Financial Business Consumer Solutions Phone Harassment
Are you receiving relentless phone calls from Financial Business Consumer Solutions (FBCS)? You are not alone. As a legitimate third-party debt collector, FBCS has the right to contact consumers about debts, but their tactics frequently cross the line into illegal harassment, leaving individuals feeling overwhelmed and intimidated. This guide cuts through the confusion to provide you with specific, authoritative, and actionable steps to identify, document, and stop Financial Business Consumer Solutions phone harassment while protecting your rights under federal law. The trusted authority, Consumer Rights Law Firm PLLC, helps consumers stop illegal debt collection calls and hold abusive collectors accountable.
Understanding FBCS Debt Collection
Financial Business Consumer Solutions (FBCS) is a legitimate, third-party debt collection agency. While they have the right to contact you about a debt, their methods can sometimes cross the line into illegal harassment. This guide provides specific, actionable information for dealing with Financial Business Consumer Solutions phone harassment.
What is Financial Business Consumer Solutions (FBCS)?
Financial Business Consumer Solutions is a nationwide debt collector based in Hatboro, Pennsylvania, collecting various debts like medical bills, credit cards, and student loans. Founded in 1982, they are a legitimate business, but legitimacy does not permit illegal tactics. According to the Better Business Bureau, dozens of complaints have been filed against them for their practices.
FBCS Contact Information:
| Department / Purpose | Phone Number |
|---|---|
| General Collections & Inquiries | (800) 220-2018 |
| Dispute & Validation Requests | (800) 220-2018 |
| Corporate Headquarters | (215) 672-4100 |
When FBCS Debt Collection Turns to Harassment
Many consumers report persistent, intrusive calls from FBCS numbers like (800) 220-2018. Real-life harassment includes:
Call Examples: Multiple daily calls, calls before 8 a.m. or after 9 p.m., and calls even after you’ve requested they stop.
Voicemail Patterns: Vague, threatening messages that don’t clearly state the caller’s identity or your right to dispute.
Intimidation Tactics: Implying immediate legal action, wage garnishment, or arrest, which often violates the law.
FBCS harassment often involves excessive calls and misleading threats.
Your Legal Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is the federal law that protects you. It prohibits debt collectors like FBCS from engaging in abusive, unfair, or deceptive practices. Under the FDCPA, you have the right to sue a collector who violates these rules. The (CFPB) enforces this law.
Common FDCPA Violations by Collectors
| Violation Type | Is It Legal? | FDCPA Law Reference |
|---|---|---|
| Calling you repeatedly all day | No | § 806(5) – Harassment by telephone |
| Threatening arrest or jail time | No | § 807(4) – False threats of legal action |
| Calling before 8 a.m. or after 9 p.m. | No (unless you agree) | § 806(5) |
| Using profane or abusive language | No | § 806(2) – Use of obscene language |
| Failing to identify as a debt collector | No | § 807(11) – Required disclosures |
| Discussing your debt with unauthorized third parties | No | § 805(b) – Communication with third parties |
If FBCS has violated your rights, you may have a legal claim. Consumer Rights Law Firm PLLC helps consumers stop illegal debt collection calls and hold abusive collectors accountable under federal law.
Active 2026 Updates
The debt collection landscape is evolving. Here’s what’s new and critical to know in 2026:
Rise in “Spoofed” Local Numbers: FBCS and other agencies increasingly use local area codes to trick you into answering.
Increased CFPB Scrutiny: The CFPB has ramped up enforcement on “phantom debt” collection and harassing call frequency.
Data Breach Fallout: Following a significant 2023 FBCS data breach, be wary of scammers impersonating FBCS using stolen personal data. Always verify the caller.
New Litigation Patterns: Recent lawsuits focus on collectors using pre-recorded voice messages (“robocalls”) without proper consent.
Modern harassment involves digital deception and is met with stronger regulatory action.
Signs You Are Experiencing Illegal FBCS Phone Harassment
Multiple Calls Daily: More than a handful of calls in a short period.
Calls at Odd Hours: Contact before 8 a.m. or after 9 p.m. in your time zone.
Abusive Language: The collector uses profanity, insults, or yells.
False Threats: They threaten actions they cannot take, like immediate arrest.
Ignoring a Cease Request: They continue calling after you’ve sent a written request to stop.
Misrepresentation: They pretend to be attorneys, government agents, or law enforcement.
Debt Disclosure: They discuss the details of your debt with your family, friends, or coworkers.
Robocalls: Using an artificial or pre-recorded voice without your permission.
Vague Communication: Voicemails that don’t state they are from a debt collector.
Continuous Ringing: Calling you repeatedly with the intent to annoy.
If you recognize these signs, your rights are likely being violated.
Financial Business Consumer Solutions Phone Harassment
Are you receiving any harassing phone calls from any of the following numbers?
| Raw Phone Number | Standard Format | Digits Only |
|---|---|---|
| 215-320-5761 | (215) 320-5761 | 2153205761 |
| (215) 320-5761 | (215) 320-5761 | 2153205761 |
| 2153205761 | (215) 320-5761 | 2153205761 |
| 800-220-2018 | (800) 220-2018 | 8002202018 |
| (800) 220-2018 | (800) 220-2018 | 8002202018 |
| 8002202018 | (800) 220-2018 | 8002202018 |
What to Do If FBCS is Harassing You
Do Not Panic. You have rights and control in this situation.
Request Validation. Within 30 days of first contact, send a debt validation letter via certified mail. This forces them to prove you owe the debt and who owns it.
Formally Demand Calls Stop. Send a cease and desist letter demanding all communication stop. They can only contact you after this to confirm they will stop or to notify you of specific legal action.
Document EVERYTHING. (See next section).
Know Your State Laws. Statutes of limitations may bar them from suing on old debt.
Taking controlled, documented steps is your first line of defense.
The Critical “Verify the Caller” Guide
With rising impersonation scams, verification is essential.
Ask Directly: “Please provide your company’s full name, address, and a callback number.”
Request Written Notice: Say, “Send me a written validation notice for this debt.”
Do Not Confirm Personal Data: Never give or confirm your SSN, full bank details, or primary address during an inbound call.
Hang Up and Call Back: Use the official FBCS number from their website (800) 220-2018 to verify the call’s legitimacy.
Check Your Credit Report: See if the debt appears there under FBCS or the original creditor.
Legitimate collectors will provide verifiable information; scammers will pressure you.
How to Document and Collect Proof
Solid evidence is key for complaints or lawsuits.
Call Logs: Screenshot your phone log showing the frequency of calls from numbers like 800-220-2018.
Recorded Conversations: If your state is a “one-party consent” state, you may legally record calls. Inform the caller you are recording for your records.
Save Voicemails: Do not delete them.
Keep All Letters: Maintain copies of all mailed correspondence.
Create a Harassment Log: Note the date, time, caller ID, name of rep, and a summary of each conversation.
Meticulous documentation builds a strong case against the collector.
Complaints Against Financial Business Consumer Solutions
The following is a sample list of complaints filed against Financial Business Consumer Solutions in the past year and can be found on Pacer.gov. Each case is identified by its case number for easy reference:
| Case Number | Case Name | Defendant |
|---|---|---|
| 3:17-cv-00733-FLW-TJB | Brown v. Financial Business and Consumer Solutions, Inc. | Financial Business and Consumer Solutions, Inc. |
| 3:18-cv-01242-B | Peterson v. FBCS Inc et al | FBCS Inc et al |
| 8:18-cv-02128-TMC | Goldson v. FBCS Inc et al | FBCS Inc et al |
| 3:18-cv-00281-DB | Medellin v. Financial Business and Consumer Solutions, Inc. | Financial Business and Consumer Solutions, Inc. |
| 2:16-cv-02738-JCM-CWH | Patton v. Financial Business and Consumer Solutions, Inc. | Financial Business and Consumer Solutions, Inc. |
Where to Get Help and File Official Complaints
You can and should report harassment to government regulators.
File a Complaint with the CFPB: The accepts online complaints that are forwarded to the company.
Report to the FTC: File a complaint with the Federal Trade Commission about unfair debt collection practices.
Notify Your State Attorney General: Your state’s AG office has a consumer protection division.
The government complaint process can be complicated and time-consuming. For guided assistance, consider contacting a specialist firm like Consumer Rights Law Firm PLLC.
Get Legal Help with FBCS Harassment
If the harassment from Financial Business Consumer Solutions is overwhelming or clearly unlawful, you do not have to handle it alone. Consumer Rights Law Firm PLLC specializes in helping consumers stop illegal debt collection calls and hold agencies accountable under the FDCPA.
Our firm can help you understand your rights, manage communication with FBCS, and pursue legal action if your rights have been violated. You may be entitled to damages and attorney’s fees. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Success Stories
- Words can’t express how incredibly grateful we are for the work that Consumer Rights Law Firm did for us. It was a case of stolen identity that had turned into a 2 year nightmare. Our contact Scott was very supportive and went to bat for us without asking for a dime. In less than 6 months they were able to get fraudulent credit card charges dropped and get our credit restored. I would HIGHLY recommend them to anyone facing similar circumstances. Reach out to them now. You won’t regret it.
- Working with Matthew was quick and easy. He explained everything very well and got the things done and now I don’t have to worry about debt collectors coming to threaten me. He was able to get me a debt waiver and they’re taking it off my credit report, thank you so much for that. And I recommend him to anyone else looking for help!
- Scott was amazing and very professional! He was very knowledgeable and took the time to explain everything and answer my questions. We were dealing with a very unprofessional debt collector. Im thankful I looked into our rights and what we could do and found Consumer Rights Law Firm. Dont ever let a debt collector try to bully you and tell you that you have no rights because you do!
Frequently Asked Questions (FAQs)
1. Is Financial Business Consumer Solutions a scam?
No, FBCS is a legitimate, licensed debt collection agency, not a scam operation.
2. Can FBCS garnish my wages?
FBCS can only garnish wages if they sue you and obtain a court judgment, or if the debt is a federal student loan in default.
3. Can FBCS sue me or have me arrested?
They can sue if the debt is within the statute of limitations. They cannot have you arrested for a consumer debt. Threats of arrest are illegal.
4. What should I say when FBCS calls?
You can request they send a debt validation letter in writing. You are not obligated to discuss the debt immediately on the phone.
5. How many calls from FBCS are considered harassment?
There is no fixed number, but repeated calls over a short period, especially after you’ve asked them to stop, can constitute harassment under the FDCPA.
6. Can I tell FBCS to stop calling me?
Yes. Sending a written cease and desist letter demands they stop all communication, except to notify you of specific legal actions.
7. Will FBCS go away if I ignore them?
Ignoring them is not advisable. They may escalate to a lawsuit. It’s better to respond proactively with a debt validation request.
8. What is the FBCS data breach, and am I at risk?
In 2023, FBCS experienced a data breach exposing nearly 2 million consumers. If contacted, you should verify the caller is legitimate and monitor your credit reports.
9. Can FBCS report the debt to credit bureaus?
Yes, they can report the collection account to the three major credit bureaus (Experian, Equifax, TransUnion), which will impact your credit score.
10. Do I need a lawyer for FBCS phone harassment?
While not always required, a lawyer experienced with the FDCPA can effectively stop the harassment, handle communication, and potentially recover damages for you at no upfront cost.
