FBCS: Who They Are and Your Rights

Type

Collection agency

Also known as

Financial Business and Consumer Solutions, Inc.; FBCS, Incorporated

Headquarters

Hatboro, PA

33 debt collection complaints were sent to the Consumer Financial Protection Bureau about Financial Business and Consumer Solutions. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is FBCS?

FBCS, Incorporated, which also does business as Financial Business and Consumer Solutions, Inc., is a collection agency listed by the BBB at 330 S Warminster Road, Suite 353, in Hatboro, Pennsylvania. The BBB gives a start date of 1982 and an incorporation date of May 1986, and names Michael Sacco as senior vice president. The CFPB complaint database lists the company as "Financial Business and Consumer Solutions."

When we checked in November 2026, the web address listed for FBCS on its BBB profile did not lead to a collection agency website, so we don't link one here. Use the phone number and address printed on your own letter, and confirm them before you pay.

Why FBCS May Be Contacting You

FBCS collects for other companies. We could not verify a current client list from a primary source, so look at your letter for the name of the creditor that placed the account.

You may also have received a letter from FBCS that isn't a collection notice at all. In April 2024, Security Affairs reported that FBCS discovered unauthorized access to its network on February 26, 2024, that the access ran from February 14 to February 26, and that about 1.96 million people were affected in its initial filing with the Maine Attorney General. The exposed information included names, dates of birth, Social Security numbers and account information, and the company offered 12 months of credit monitoring. If you got that notice, consider a credit freeze and review your reports at AnnualCreditReport.com. Watch for anyone contacting you about a debt you don't recognize; see What if the debt came from identity theft?

How to Check a Debt FBCS Says You Owe

• Confirm it's really FBCS. After a data breach, scammers sometimes pose as the real collector. Don't pay by gift card or wire, and don't give account numbers to someone who called you. Ask for everything in writing.
• Use the validation notice. It must name the current creditor, itemize the balance and give your dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). Dispute in writing within that window and FBCS must stop collecting until it sends verification.
• Ask who owns the account. If a debt buyer now owns it, ask for the name of the original creditor too.
• Match the amount to your last statement from the original company.
• Check the age. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Pennsylvania and other states set their own periods.

What FBCS Can and Can't Do

As a third-party agency, FBCS is a "debt collector" under 15 U.S.C. § 1692a(6). Under the FDCPA and Regulation F:

• It must identify itself as a debt collector in its communications (15 U.S.C. § 1692e(11)).
• It may not misstate the character, amount or legal status of a debt (15 U.S.C. § 1692e(2)), which matters if the account was opened by an identity thief.
• It must stop contacting you if you ask in writing, except for limited notices (15 U.S.C. § 1692c(c)).
• It may not call more than the Reg F seven-in-seven presumption allows (12 C.F.R. § 1006.14(b)(2)).

We did not find a CFPB enforcement action against FBCS. For questions about a collection letter, see our FDCPA attorneys page.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If FBCS or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• BBB business profile: FBCS, Incorporated (business facts only)
• Security Affairs: FBCS data breach impacted 2M individuals (Apr. 29, 2024)
• CFPB enforcement actions (full list reviewed)
• CFPB Consumer Complaint Database: Financial Business and Consumer Solutions., debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that FBCS has violated any law. Company details change; tell us if something here is out of date.