CFPB Consumer Complaint Profile
Fair Collections & Outsourcing, Inc.
Behind the 5,525 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-05-15
- 5,525
- Total complaints
- 1,738
- Last 12 months
- 98.1%
- Timely response
- 54
- States affected
The verdict
Fair Collections & Outsourcing, Inc. ranks #96 of 3,848 financial companies by CFPB complaint volume, with 5,525 complaints on record. Its on-time response rate is 98.1%, ahead of the 93% median among companies with 100+ complaints.
- #96
- of 3,848 companies by volume
- 98.1%
- answered on time
- Debt collection
- most-complained product
- 54
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 35 |
| 2014 | 123 |
| 2015 | 133 |
| 2016 | 169 |
| 2017 | 238 |
| 2018 | 259 |
| 2019 | 156 |
| 2020 | 203 |
| 2021 | 328 |
| 2022 | 351 |
| 2023 | 496 |
| 2024 | 954 |
| 2025 | 1,666 |
| 2026 | 414 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Fair Collections & Outsourcing, Inc.
5,525 complaints against Fair Collections & Outsourcing, Inc. appear in the CFPB record, including 1,738 from the trailing year. The 54 states and territories represented put this footprint in nationwide territory. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.
98.1% of CFPB-forwarded complaints against Fair Collections & Outsourcing, Inc. get a reply inside the Bureau's 15-day window. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. In 26.1% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. 0.1% of resolved complaints ended with some monetary or non-monetary relief for the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Fair Collections & Outsourcing, Inc. have?
The CFPB has logged 5,525 complaints against Fair Collections & Outsourcing, Inc. to date, of which 1,738 came in over the last 12 months.
Does Fair Collections & Outsourcing, Inc. respond to complaints on time?
Fair Collections & Outsourcing, Inc.'s CFPB timely-response rate is 98.1%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Fair Collections & Outsourcing, Inc.?
"Debt collection" draws more CFPB complaints against Fair Collections & Outsourcing, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Fair Collections & Outsourcing, Inc.?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Fair Collections & Outsourcing, Inc.; the full issue list with counts is above.
How do I file a complaint against Fair Collections & Outsourcing, Inc.?
You can file a complaint against Fair Collections & Outsourcing, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Fair Collections & Outsourcing, Inc.?
The CFPB has recorded complaints against Fair Collections & Outsourcing, Inc. from 54 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~5,525)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.