Fox Collection Center Inc or FCC is a third-party collection agency based in Tennessee. FCC has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including threatening to take actions that cannot legally be taken and using false or misleading information in an effort to collect a debt. If you have been contacted by Fox Collection Center, make sure you understand your rights before taking action.
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According to the BBB, Fox Collection Center, Inc. is a legitimate collection agency, founded in 1950 and incorporated in 1989. The BBB established FCC’s profile page in 1993. FCC is listed as a collection agency that uses the alternate business name, Professional Recovery Management, Inc. Buzzfile estimates FCC’s annual revenue at $1.3 million and the size of its headquarters staff at 15 employees.
According to its website, Fox Collection Center “was founded… with a guiding philosophy… to provide clients with a professional debt recovery service that would also maintain goodwill.” Since its founding, FCC has “grown in size and experience…to provide many more services in more locations while honoring our commitment to provide our clients with the levels of service, respect and results upon which…they were founded.”
As a full-service collection agency, Fox Collection Center offers a full range of accounts receivable services. FCC’s bad debt collections division offers an “unprecedented recovery rate…that is well above the national average; a high staff retention rate; on-staff trainers; small and large balance account flow; account scoring; credit bureau reporting and skip tracing; and customized client reports. Their extended business office division offers early outsourcing and pre-collection services; call campaigns and automated messaging; and insurance follow-up. Their litigation division offers garnishments, judgments, and levies.
Fox Collection Center “represents and manages… AR receivables and bad debt” for many types of businesses, including physicians, hospitals, corporate central billing offices, municipalities, utilities, financial services, telecommunication service providers, education lenders, insurance companies, and commercial accounts.
Fox Collection Center utilizes a compliance policy consisting of attorney-approved letters; FDCPA and HIPAA compliance; a professionally trained staff; quality assurance audits; licensing and bonding; a red flags policy; an identity theft protection program; and certified collectors, including continuing education in FDCPA, PCI, and FACTS compliance.
The BBB has closed 62 complaints against Fox Collection Center in the past three years, with 18 complaints closed in the past 12 months. Most of those complaints alleged problems with billing and collections. Since April 2015, the Consumer Financial Protection Bureau (CFPB) has closed 72 complaints against FCC. Justia lists at least 3 cases of civil litigation involving FCC.
Fox Collection Center, Inc.
454 Moss Trl.
Goodlettsville, TN 37072-2029
Telephone: (615) 859-2891
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely FCC would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here are some Sample Cases
Complaints against Fox Collection Center commonly cite problems resulting from failure to verify debts and disputes about the accuracy of reports to the credit reporting agencies and billing documentation. In November 2017, a complainant indicated that his debt with a medical service provider was discharged in bankruptcy in November 2013. A month later, FCC, “representing the debtor, opened a collection claim against the discharged debt.” Despite the illegality of actively pursuing collection activity on debts that have been discharged in bankruptcy, the complainant stated that the “collection item still persists… on …his credit record as of the time of … the complaint, and has caused years of undue harm… which could have been prevented with basic, due diligence in FCC’s reporting.” The complainant contacted FCC in October 2017 and had not received a response. In response, Fox Collection Center indicated they “were unaware of a bankruptcy, … so they reported it as a delinquent account.” They also indicated that “now that…they are aware it is a bankrupt account …they will report it as such and update their records.” The complainant’s rebuttal indicated that she refused to accept the attempted resolution because “no update to the collection record has been made.” She will accept the resolution only when “removal of the collection and appearance of the removal on credit reporting… is done.”
In September 2017, a complainant indicated that that Fox Collection Center had refused to validate a debt despite several months of having made requests. The complainant indicated that FCC had previously claimed to have sent “some kind of release form,” but the complainant indicated she had not received anything. As a result, FCC had sent her a letter stating, “they have no choice but to believe…she is refusing to pay.” The complainant stressed that federal law requires Fox Collection Center to provide debt verification, and that that the medical provider indicated she does not owe a balance. Her insurance provider also “indicated that the procedure was covered 100% by insurance.” In response, FCC insisted that they had sent “the release that needs to be signed and returned …so they may obtain the information the complainant is requesting but to date have not received it back.” FCC also refused to make any effort to contact the insurance provider, stating that “as far as her request for all correspondence with her insurance company, she will need to contact them to get that info.” The complainant refused to accept the attempted resolution, indicating FCC “has not sent… anything but the bill” that has been disputed; that she has “no trust in Fox collections…and will believe it when she sees it that she has a form to sign. She also doesn’t believe she should have to sign a form for them to validate the…debt.” Fox Collection Center replied by stating they had mailed another release for the complainant to sign.
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
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