Fairway Capital Recovery or FCR is a third-party collection agency based in Ohio. FCR has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including attempting to collect debts not owed and threatening to take actions that cannot legally be taken. If you have been contacted by Fairway Capital Recovery, understand your rights before responding.
The harassing company pays our fees.
They’re legit. According to the Better Business Bureau (BBB), Fairway Capital Recovery, LLC is a legitimate collection agency, founded in January 2012. The BBB established FCR’s profile page 4 months later, in May 2012. FCR is listed as a collection agency. Buzzfile estimates FCR’s annual revenue at $1.6 million and the size of its headquarters staff at 11 employees.
According to its website, FCR is “focused on providing services to…clients that enhance the Accounts Receivable Management process…by providing a personal touch and customizing…services…to the specific needs of each client.”
Fairway Capital Recovery appears to collect for healthcare providers. Their services are separated into three divisions—third-party collections; consulting; and call center services. FCR’s collections staff is trained to use a three-part process: assist, reveal, and monetize. The Assist team “resolves accounts that are less than 90 days past due quickly and efficiently.” Their Reveal team “conducts 72-hour processing using a proprietary analytical model to qualify existing files.” Finally, the Monetize team engages in “traditional collections utilizing a full array of tools.”
FCR’s consulting division “assist[s] in setting up…accounts receivable processes in a way that provides the greatest return on…investment” by using front-end process set-up, administration processing; form management; and “right-sized” staffing techniques. FCR’s call centers employ technology to enable call recording, higher call volumes, daily reporting, event and appointment notifications; and phone and letter campaigns.
FCR also boasts state-of-the-art technology. They utilize “the Titanium ORE platform provided by CRSoftware Inc.” to enable custom configuration of processes, including their own choice of vendors and components; enhanced workflows; customized reporting; “ironclad security,” including customized importing, exporting, and scaling; and the Mercury Predictive Dialing system.
The Fairway Capital website does not provide any information about consumer protection laws, resources, or enforcement agencies. Neither their Contact Us form nor their Consumer Portal provide the mandated disclosure that they are a bill collector engaged in efforts to collect debts.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
As of February 2018, the Better Business Bureau (BBB) has closed 7 complaints against Fairway Capital Recovery in the preceding 3 years, with 3 complaints closed in the past 12 months. All of the complaints allege problems with billing and collections. As of March 2015, the Consumer Financial Protection Bureau (CFPB) has received 6 complaints about FCR. Justia lists at least 1 case of civil litigation involving Fairway Capital Recovery.
Fairway Capital Recovery, LLC
4000 Executive Park Dr., Suite 300
Cincinnati, OH 45241
Telephone: 866-734-1615
Website: https://www.fairwaycapitalrecovery.com/
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely FCR 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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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. You can sue a debt collector. Here are some Sample Complaints
Complaints against Fairway Capital Recovery cite a tendency toward aggressive and hostile conduct by collection agents. For example, in August 2015, a complainant indicated that he had tried to contact an FCR representative to dispute a debt. He allegedly called several times, but “was hung up on by at least 2 representatives…and was also informed that [he] couldn’t dispute the charges and…[that his] account was valid.” After persisting in his efforts, he ultimately reached a manager to discuss the nature of his dispute. He “tried to speak with the manager…[but] was placed on hold for several minutes…and left a voicemail that still has not been returned.” The complainant alleged that the Fairway Capital Recovery “associates…are rude and argumentative…[and] interested only in collecting money, rather than resolving an issue.” Despite calling “several times to resolve…the issue, [he] was treated as if [he] were a number rather than a person… and was dismissed as if [he] were a deadbeat.” In response, FCR replied that the bill in question was “for charges outstanding when the complainant vacated [his] apartment.” FCR indicated that both the complainant and the original creditor “believe that they are correct, so they have returned the account to the client as…disputed.”
Similarly, in April 2015, a complainant indicated that an FCR representative had been leaving messages for him “about a gentleman that he was trying to collect a debt” from. The complainant called Fairway Capital Recovery to have his number removed from their system, and the FCR representative allegedly “became belligerent, nasty, and downright rude, and instead of asking… for the complainant’s number (which it became apparent he had on caller ID) he wanted details” about the person who owed the debt. After the call ended, the complainant called back and asked for a manger. Initially, the Fairway Capital Recovery representative hung up. The second time the complainant called back, he was placed on hold. The third time, the complainant indicated the FCR representative was “getting nastier and ruder, which was completely uncalled for and unwarranted.” When the complainant finally made contact, the manager allegedly told him to “‘Take a chill pill.’” Fairway Capital Recovery did not provide a public response to this complaint.
Federal laws protect you. The Fair Debt Collections Practices Act (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).
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you 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.
You may have a case, if…
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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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My nephew has received numerous harrassing phone calls at all hours early late regarding an unknown debt. Today he got a call from f c r for a 500.00 money mart debt he was put on hold from start of call. When the collection agent finally came on the he was hung up on. Do he called back four times the first time he was told amt of debt and when my nephew told him he was just trying to get housing because he was homeless he was hung up on he phoned back 2 or 3 times only to be transferred to the same jerk off again and was told we want our money we didn’t call you to hear a story m he got hung up on again. I have never heard or dealt with anyone so rude and nasty. When he called a different 1800 number the lady couldn’t find who he had received the original call from or who he had spoken to.
This firm has been relentlessly calling with automated voices and leaving incessant voicemails. Also, hundreds of emails. Not even sure what the debt alleged is and seems like a total scam.
Got a call from this firm today. Unclear what debt they allege.