Foster and Monroe LLC is contacting you because a creditor sold or assigned your account to this West Seneca, New York agency for collection. According to the Better Business Bureau, Foster and Monroe holds an F rating and reportedly failed to obtain a required out-of-state collection agency license. The agency has accumulated 39 complaints in the last 3 years. If the agency reported a debt to your credit file before ever sending a validation notice, that sequence may already support a federal claim. Call +1-844-638-1122 for a free case review.
Key Takeaways
- Foster and Monroe LLC is located at PO Box 1031, West Seneca, NY 14224-8031. It has operated since approximately mid-2012 and collects on consumer loans, lines of credit, and rent-to-own agreements.
- The BBB rates Foster and Monroe F, citing failure to respond to 38 complaints and failure to obtain a required out-of-state collection agency license. The agency is not BBB accredited.
- Most common complaint pattern: consumers allege the agency reported debts to credit bureaus without first sending a written validation notice, in alleged violation of the FDCPA and FCRA.
- Consumers have also reported re-aged or zombie debts: accounts past the 7-year credit reporting window allegedly reported as current.
- FDCPA violations can result in up to $1,000 in statutory damages plus attorney fees. FCRA violations add potential actual and punitive damages.
- The Wood Firm PLLC handles these cases on contingency: no upfront fees, and if they violate federal law, they pay.
Free Case Review: +1-844-638-1122
Who Is Foster and Monroe LLC?
Foster and Monroe LLC is a third-party debt collection agency and debt buyer based in West Seneca, New York. The agency collects on consumer loans, lines of credit, and rent-to-own agreements, including accounts tied to Pagaya and WebBank, according to Edelman Combs.
In our practice, we check the chain-of-title documentation on every Foster and Monroe file we open. The agency operates as a debt buyer, meaning it purchases portfolios of charged-off accounts, often alongside partners like Spring Oaks Capital. A broken or undocumented chain of title is the most common defect we find in these files, and it may mean the agency lacks legal standing to collect.
- Address: PO Box 1031, West Seneca, NY 14224-8031
- Phone: 855-463-2233 | (855) 463-2233 | +1-855-463-2233 | 8554632233
- In Business Since: Approximately mid-2012 (BBB file opened September 2013)
- Compliance Manager: Dan Frederick
- Complaint Contact: Allison Watson
- BBB Profile: Foster and Monroe LLC BBB listing
- BBB Rating: F (not accredited)
- BBB Alert: Business believed to be possibly out of business; listed address is a UPS Store mail drop
- Debt types: Consumer loans, lines of credit, rent-to-own agreements
Phone Numbers Foster and Monroe Use
Foster and Monroe contact consumers primarily from its main West Seneca line. If any of these numbers appeared on your caller ID, the agency is most likely calling about a consumer debt account.
- 855-463-2233
- (855) 463-2233
- +1-855-463-2233
- +1 855 463-2233
- 8554632233
Consumer complaint trackers, including the Agress Law Firm complaint tracker, document Foster and Monroe contact numbers alongside FDCPA complaint reports. The BBB alert notes that the agency’s listed address is a UPS Store mail drop, which consumers have reported makes it difficult to confirm the agency’s physical location.
Also read: Credit Bureau Collection Services harassment
Why Is Foster and Monroe Calling You
Foster and Monroe are calling you because a creditor assigned or sold your account to them for collection. The agency typically purchases portfolios of charged-off consumer loans, lines of credit, and rent-to-own agreements from original creditors or intermediary debt buyers.
If you do not recognize the debt, the FDCPA gives you the right to dispute in writing within 30 days of first contact. Once Foster and Monroe receive your written dispute, all collection activity must stop. Verification must include documentation connecting you to the original creditor and an itemized balance.
What Foster and Monroe Consumers Are Alleging
Foster and Monroe have accumulated 39 complaints in the past 3 years, with 38 left unanswered, per the BBB profile. The F rating reflects both the volume of unanswered complaints and the agency’s failure to obtain a required collection agency license.
Complaint patterns from BBB filings and consumer reports include:
- Reporting debts to credit bureaus without first sending a written validation notice allegedly denies consumers their right to dispute before any credit impact.
- Refusing to provide original creditor documentation, signed agreements, or itemized account histories when debts are disputed.
- Reporting accounts that consumers allege do not belong to them, with no supporting documentation produced after certified-mail dispute letters.
- Allegedly re-aging debts past the 7-year credit reporting window, causing accounts to appear current when they may be time-barred.
- Continuing to report accounts to credit bureaus after receiving formal FCRA disputes, without conducting a reasonable investigation.
One April 2026 BBB complaint alleges Foster and Monroe reported a $984 account to Experian without ever sending a validation notice. The account had already been removed from Equifax and TransUnion following a dispute. The complaint remains unanswered. The complaint remains unanswered.
Also read: Best Service Company debt collection harassment
Is Foster and Monroe a Scam?
Foster and Monroe LLC is a real, licensed debt collection agency, but licensed does not mean every tactic is legal. The agency has collected consumer debts since approximately 2012 and operates across New York and nationally, according to the BBB.
The BBB also issued an alert that the business may be out of business. Its listed address is a UPS Store mail drop box. The agency also failed to obtain a required collection agency license, per the BBB. Consumers who do not recognize a reported debt should request written validation before acknowledging the account.
In our practice, we treat any Foster and Monroe credit entry as disputed until the agency produces a signed original creditor agreement and a documented chain of title. Failure to produce that documentation after a written dispute may support both FDCPA and FCRA claims.
Also read: Action Collection Agency debt harassment
Is Foster and Monroe Banned by the FTC?
No. Foster and Monroe has not been banned by the FTC. No public record documents a formal FTC enforcement action against this agency.
The agency does face documented regulatory issues. The BBB confirmed that Foster and Monroe failed to obtain a required out-of-state collection agency license. Consumers have filed CFPB complaints, including Complaint No. 250923-24352092, documented in one October 2025 BBB filing. We check the CFPB complaint database and state licensing records on every Foster and Monroe file. A licensing gap may affect the agency’s legal authority to collect.
Also read: Action Financial Services debt collection harassment
Have Foster and Monroe Been Sued
Yes. Foster and Monroe LLC has been named in consumer protection lawsuits, primarily involving FDCPA and FCRA claims. Cases are searchable through multiple channels:
- Edelman Combs Latturner and Goodwin tracks Foster and Monroe in connection with consumer protection claims.
- PACER (Public Access to Court Electronic Records) lists any federal FDCPA or FCRA lawsuits filed against the agency in federal district courts.
- The BBB complaint database documents 39 consumer grievances, with 38 left unanswered.
- The Avvo legal resource includes consumer questions about filing complaints against Foster and Monroe.
When we open a Foster and Monroe file, we specifically request the validation timeline. The agency’s documented pattern of reporting to credit bureaus before sending validation notices is one of the most actionable FDCPA defects we examine in these cases.
Also read: First Credit Services debt collection harassment
Can Foster and Monroe Report to Your Credit
Yes, Foster and Monroe can report unpaid accounts to the major credit bureaus, but that reporting must comply with the FCRA. The FCRA requires accurate, timely, and verifiable information. A collector cannot report a debt before sending a written validation notice. It cannot continue reporting a disputed account without conducting a reasonable investigation.
Multiple BBB complaints allege that Foster and Monroe reported accounts to Experian, Equifax, and TransUnion before providing any written notice to the consumer. That sequence may violate both the FDCPA’s validation requirements and the FCRA’s accuracy obligations. In our practice, we pull the credit reporting timeline and compare the first reporting date against any documented first communication. That gap is often the most direct FDCPA evidence in Foster and Monroe files. If that gap exists in your file, the credit entry itself may be the basis of a federal claim.
Can Foster and Monroe Sue You
Yes, Foster and Monroe can file a civil lawsuit to collect a valid, in-statute debt. The agency works with debt buyers like Spring Oaks Capital, which may initiate litigation on the underlying loan, per Edelman Combs.
If you receive a court summons, respond. Ignoring it results in a default judgment and initiates wage garnishment as a collection tool. Before responding to any lawsuit, request proof of the original creditor agreement and the complete chain of title. A buyer who cannot document ownership may lack standing.
What to Do If Foster and Monroe Are on Your Credit Report
Pull your full credit report from AnnualCreditReport.com and note the original delinquency date. Collection accounts may only remain on your credit file for 7 years from the original delinquency. That clock does not restart when Foster and Monroe acquire the account. Re-aging advances the reported date to extend the reporting window, and it is an FCRA violation.
Send a written dispute via certified mail with a return receipt. Keep a copy of everything. Non-response within 30 days, or continued reporting without verification, may support additional claims. File a complaint with the CFPB at consumerfinance.gov or with the Federal Trade Commission.
How The Wood Firm PLLC Helps Stop Foster and Monroe Debt Harassment
When we open a Foster and Monroe file, we start with two documents: the credit reporting history and the validation timeline. The credit reporting history shows whether the account appeared on your file before any written notice was sent. The validation timeline shows whether the agency produced documentation after your dispute or went silent. Either gap can support a federal FDCPA or FCRA claim. The Wood Firm PLLC represents consumers only: we have never represented a creditor or collector.
Our firm handles these cases on contingency. You pay nothing upfront. If Foster and Monroe violated the FDCPA or FCRA, the agency pays our fees under the statute. After you call, we review your documents, identify any violations, and explain your options. Reach us at +1-844-638-1122.
If Foster and Monroe has reported a debt to your credit file without sending a validation notice, or has continued reporting after a written dispute, visit our contact page for a free case review. The Wood Firm PLLC handles these cases on contingency: if they violated federal law, they pay our fees.
Frequently Asked Questions
Is Foster and Monroe LLC a legitimate company
Yes, Foster and Monroe is a real debt collection agency that has operated since approximately 2012. The BBB rates it F, however, citing failure to respond to 38 complaints and failure to obtain a required out-of-state collection agency license. Legitimate status does not mean every collection tactic is lawful.
Can Foster and Monroe sue me
Yes, if the debt is valid and within the statute of limitations. The agency also works with debt buyers like Spring Oaks Capital that may initiate litigation on the underlying account. If you receive a summons, respond and request proof of the original creditor agreement and chain of title before taking any other action.
Can Foster and Monroe garnish my wages
Not without a court judgment. The agency must file a lawsuit, win, and obtain a court order before garnishing wages. Default judgments are the most common path to garnishment in these cases.
Why did Foster and Monroe appear on my credit report without warning
Multiple BBB complaints allege the agency reports accounts to credit bureaus before sending a written validation notice. The FDCPA requires a validation notice within 5 days of first contact. Reporting before that notice may be an FDCPA violation and may also violate FCRA accuracy requirements.
What is Foster and Monroe’s BBB rating
Foster and Monroe holds an F rating with the Better Business Bureau. The BBB cites failure to respond to 38 complaints and failure to obtain a required collection agency license. The agency is not BBB accredited, and the BBB has issued an alert that it may be out of business.
Can Foster and Monroe re-age a debt on my credit report
No. The FCRA requires collection accounts to report from the original delinquency date, not from the date the debt was purchased or assigned. Re-aging, which advances the reported date to extend the 7-year reporting window, is an FCRA violation and may support a claim for actual and statutory damages.
What do I do if Foster and Monroe won’t provide validation
Send a written dispute via certified mail with return receipt. If the agency does not respond within 30 days or continues reporting without verification, that non-response may support additional FDCPA and FCRA claims. Document everything and consult a consumer protection attorney.
Is Foster and Monroe banned by the FTC?
No. No FTC enforcement action documents a ban against Foster and Monroe. The agency has faced documented licensing violations and an F BBB rating. Consumers can file complaints with the CFPB and their state attorney general regardless of FTC status.
Your Next Step If Foster and Monroe Has Contacted You
If Foster and Monroe appeared on your credit report before sending a validation notice, or failed to produce documentation after a written dispute, those facts may already support a federal claim. The Wood Firm PLLC reviews Foster and Monroe files at no cost, and we collect nothing unless the agency violated the law. Call +1-844-638-1122 to start that review today.
Jeff Wood represents consumers exclusively. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
