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Business Profile

Collections Agencies

Financial Debt Recovery Ltd

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Important information

  • Customer Complaint:
    Due to the volume of complaints received, BBB is publishing the details (text) of 25% of complaints as a representative sample.

Complaints

Customer Complaints Summary

  • 326 total complaints in the last 3 years.
  • 121 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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Complaint status

Complaint type

  • Initial Complaint

    Date:11/06/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    the date of the communications was may 26 2025 as an email between *** ****** and CC'd to **** ********. The email confirms that the outstanding debt was paid in full May 30th 2025 and a letter of discharge will be sent to me. The email also says "thereafter have this updated on your credit bureau to reflect the account being paid in full and for it to no longer reflect as a derogatory account."
    I have checked with both ********** and ******* and *** ******* **** ******** have not updated my file when the final payment was sent May 27th, they have not sent a letter of Discharge, nor have they contacted ********** or ******* to purge the account from my credit report. As *** ****** says "it will no longer reflect as a derogatory account" implies that FDR will purge the account from the collections section on my report. As derogatory is defined as showing "critical or disprectful" implies he would purge the account.
    I expect *** ****** to maintain his stated intentions as I have continually made my payments on time, including when an FDR manager changed the agreement that I would pay $250 to $253.91 and I honoured that change, even though as written in the email "that they apologize for the mis-understanding"
    FDR has changed the terms of the agreed payment amounts, not provided a letter of discharge, and has not purged my credit report of the derogatory account which was specifically written in the email as an action FDR will take.
    ***** ******* ******** ****** **** ******* *** **** ************

    Business Response

    Date: 12/06/2025

    Hello ******** *******,

     

    Thank you for reaching out to us.

    We acknowledge receipt of your complaint and confirm that the updates have been made with the credit bureaus.

    A release letter has been prepared and will be sent to you as soon as possible.

    We appreciate your patience and understanding in this matter.

     

    Regards,

  • Initial Complaint

    Date:05/06/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    This company is ********* me with calls over a debt I am not liable for. I am not under contract with them and when I ask them to remove this file from their records they refuse

    Business Response

    Date: 10/06/2025

    Hello ******* ******,


    Thank you for contacting us.


    To provide you with further details, we first need to verify your identity. You can reach us at *********** for verification.

    If you have proof that the account does not belong to you, please provide the supporting documentation (police complaint report) by sending it to us at ************** .


    Regards,

  • Initial Complaint

    Date:04/06/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I am filing a complaint against *** ********* *** FDR Financial Debt Recovery. I used to have a *** ********* Credit card. On June 7,2024 - I called and reported fraudulent transaction in my card/unauthorized used amounting to $5196.74 with *** then called again on June 15, June 20 spoke ******, just to make sure they cut my credit card but they did not do anything about my complain on July 30 at 11:30 I received a call from *** telling me they have closed the account for my ********** but they are asking me to pay the amount that I did not purschased. I have been receiving phone calls and emails from both companies telling me to pay even if I already reported it to them also I have reported this to Calgary Police **** ********* ****** **********.
    * ** * *** ******* ******* *** **** *** ******** **** ******** *** ******* **. Yesterday I have received an email from FDR stating that I need to pay $5,872.64. I have emailed them but the email keeps bouncing back. **** ********* *** ***** ********** **** ** ***** ********** ******* * *** ** ******** ******* ******* **** ********** * **** ** ***** ** *** **** **** ****** *** ***** * **** ** *** ******** **** **** **** ******* **** ** * ******** ** ***** ****** **** ** ****

    Business Response

    Date: 06/06/2025

    Hello ******* **,

    Thank you for reaching out to us.

    We have already investigated this matter and provided a response. Due to privacy regulations, we are unable to share further details. 

    Please feel free to contact us at ************* **** ****, and a member of our team will be glad to assist you further.

    We appreciate your understanding.


    Best regards,

    Customer Answer

    Date: 06/06/2025

     

    Complaint: ********



    I am rejecting this response because: I will not pay anything  not even a cent, I did not purchased. All transactions was unauthorized used of my credit card and has been reported to *** ********* several times and with the Calgary Police. 



    Sincerely,



    ******* **

    Business Response

    Date: 10/06/2025

    Hello ******* **,


    Thank you for your response.

    As previously mentioned, for further discussion of this matter, you may contact us at ************* **** ****. We will be happy to assist you and discuss more on this matter.

    We appreciate your understanding.


    Regards,

  • Initial Complaint

    Date:30/05/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I made a payment by online banking I am still waiting for a release letter to be sent to me I have called and emailed no luck this payment was made on April 9th 2025.

    Business Response

    Date: 02/06/2025

    Hello *** *****,


    Thank you for contacting us.


    We can confirm that the release letter has been sent, and the updates have been made to the credit bureaus on our end.

    Please note that it may take some time for these changes to reflect on your end.


    Thank you for your understanding.


    Best regards,

  • Initial Complaint

    Date:29/05/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    They keep calling me. I have no debt with them, I have requested they stop calling multiple times and refuse. Even though I am not the debtor they are looking for

    Business Response

    Date: 29/05/2025

    Hello ***** *****,


    Thank you for bringing this to our attention.

    In order to investigate and resolve this matter, please provide the phone number where you are receiving the calls, as well as the file number associated with the calls.


    Once we have this information, we’ll ensure it’s reviewed and addressed promptly.


    Thank you for your patience.


    Regards,

    Customer Answer

    Date: 29/05/2025



    Complaint: ********


    My phone number is ###-###-####. I do not have a reference number as it’s not my file.  I contacted the phone number back and spoke with someone who said I had to alert my ******* and make him call you back or your company would just keep calling me *** ********* ** and my only way to end the calls was to make him phone. 



    Sincerely,



    ***** *****

    Business Response

    Date: 30/05/2025

    Hello ***** *****,

     

    Thank you for your response.

    As you mentioned, you are receiving calls on the phone number provided. However, you also noted that you reached someone who then informed their husband.

    For the purpose of clarifying the matter, could you kindly confirm which phone number was dialed in that instance.

    We would greatly appreciate it if you could provide a few more details to help us better understand the situation.

    Thank you for your time and understanding.


    Kind regards,

    Customer Answer

    Date: 30/05/2025



    Complaint: ********



    I am rejecting this response because:

    The phone number that I am being contacted on is **********

     

     


    Sincerely,



    ***** *****

    Business Response

    Date: 30/05/2025

    Hello ****** *****

    We appreciate your patience.
    Your number has now been removed from our records.
    Please feel free to reach out if you have any other questions or concerns.

    Best regards,

  • Initial Complaint

    Date:28/04/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    * *** ****** * ********* *** *** ******* * **** ********* ******** * **** ******** * *** **** ** *** **** ** ** **********.

    I do not have a contract with this company and I have not been provided a copy of the contract when I requested it.

    I want the removed from my credit report

    This company has called me after 10 pm called my employer and even went so far as to call my children to contact me

    Business Response

    Date: 28/04/2025

     

    Hello ****** ********,


    Thank you for reaching out to us.


    We have thoroughly reviewed your file and have now closed it on our end.

    Please note that the necessary updates will be reflected on your credit report accordingly.

     

    Thank you,


  • Initial Complaint

    Date:11/04/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    April 7, 2025, Financial Debt Recovery Limited had contacted me about a “debt” and was informed over the phone the “debt” was included in bankruptcy. The representative asked for my trustee information and was provided. ********* **** ******** ******* ** ********** ** ** ****** ** * ****** **** ** ** ****** * **** ********* *** **** ** **********. ************* *** ********* *** ******** ***** ************ ******** **********.

    April 8, 9, and 10 Financial Debt Recovery Limited contacted me about a uncollectible debt after they have been informed it was included into bankruptcy. ********* **** ******** ******* ** ****** ******* *** *** *** ********* * ****** ** *** ****** *** ******** *******.

    Financial Debt Recovery Limited received a copy of the bankruptcy documents by the trustee.

    *** ****** ******** ** ************ *** ****** ******* *** ********.

    I am seeking removal of credit reporting and immediately cease all calls. ************ ** ***** ******* **** ******* **** * ******* ** *** **** ** ******** ** ********** **** ** *********.

    Business Response

    Date: 11/04/2025

     Hello ******* ****,

    Thank you for reaching out to us.

    We have received your complaint and taken the appropriate steps to address it.

    Upon reviewing your account, we have confirmed that the debt was included in your bankruptcy.

    The account has been updated accordingly, and no further contacts will be made.

    Thank you,

    Customer Answer

    Date: 11/04/2025



    Complaint: ********



    I am rejecting this response because: there is no proof of them following through. I would like confirmation that it is in their file it’s included in bankruptcy and no more actions will be taken on their end.



    Sincerely,



    ******* ****

    Business Response

    Date: 14/04/2025

     

    Good day, ******* ****,

    Thank you for your response.

    Kindly be advised that the account is currently undergoing verification and will remain on hold throughout this process.

    Once the review and verification are complete, the account will be closed on our end.


    Thank you for your understanding,

    Customer Answer

    Date: 14/04/2025



    Complaint: ********



    I am rejecting this response because: the company has 10 business day to provide proof that the account is closed and no further action is being taken ** **** **** **** * *******. The trustee has provided the information of bankruptcy and so have I through the BBB. 

    Additionally, the information is public accessible of individuals who filed for bankruptcy. *** *********** **** *** ** ** ****** ****** ** ******* *** ***. *** ******* ** ********** *** **** **** *** ******* *********** ** **** *** ****** ******* *** ***. They must remove any claims on my credit reports with the 10 business day with proof and stop all actions immediately and further proof that the account is closed on their end.



    Sincerely,



    ******* ****

    Business Response

    Date: 15/04/2025

     

    Good day ******* ****,

    After a thorough investigation by ******, they have determined that the bankruptcy was filed before the adjustments were made.

    As a result, you are still responsible for the remaining balance on the account. For more information feel free to contact us. 

    Thank you,

     

    Customer Answer

    Date: 16/04/2025



    Complaint: ********



    I am rejecting this response because: the information is incorrect. The account was cancelled prior to filing for bankruptcy. * **** *** *** ******* ** *****. 



    Sincerely,



    ******* ****

  • Initial Complaint

    Date:31/03/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    FDR keeps on contacting me again and again about an alleged collection account with FDR Account **** *******, original creditor ****** ******** and Amount Owing as $1352.69. I have disputed this account with them and requested them to validate it multiple times through registered mails. However, they have continued their collection activities without responding to my debt validation letter. They keep calling me even though I had sent them with cease and desist letters. Recently, they emailed me threatening to sue me in the court if I didn't pay the account due to which I got afraid and agreed to pay. However, they can't collect an alleged debt from me without validating it properly. I want FDR to kindly provide me with the following -
    • Competent documentation bearing my signature showing that I have (or ever had) any contractual obligation to pay them;
    • What the money they say I owe is for;
    • Explain and show me how FDR calculated what it says I owe;
    • Prove the Statute of Limitations has not expired on this account;
    • Show me that they are licensed to collect in my province;
    • Provide me with their license numbers and Registered Agent number.

    If they can't provide me with this proper documentation, I request that FDR immediately stops its collection activities on this account and compensate by paying me $5000 for the unnecessary trouble and harrasment they have caused me by threatening to sue me and calling me hundreds of times to strong arm me into paying this account.

    Business Response

    Date: 01/04/2025

     

    Hello ********* *****,

    We have received your complaint and have taken the necessary actions. We are in the process of gathering the required information.

    Additionally, we will send you the requested documentation to the address you provided.

    In the meantime, your account will be placed on hold, and I can assure you that no calls will be made.


    Thank you.


  • Initial Complaint

    Date:25/03/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I keep getting emails from FDR requesting to settle a payment **** ** ****** ****. I've previously explained to this company via phone that my account has been closed long ago due to some fraudulent activity and that the amount they are asking is even larger than what was owed, also, the number used in contacting me keeps being flagged as fraud. I recently got an email stating that the company will take legal actions if I do not pay by march 27th. I have been to ****** **** and they said my account is closed so I do not know why FDR keeps contacting me claiming that I owe some money with different names with same role or same individual with different roles. I'd like this to be resolved immediately, thank you.

    Business Response

    Date: 07/04/2025

     

    Hello ******** *****,

    We have received your complaint and have taken the
    necessary actions. We are in the process of gathering the required information.

    In the meantime, your account will be placed on hold, and we can assure you that no calls will be made.


    Thank you.


  • Initial Complaint

    Date:03/03/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I received two phone calls back to back from a man from FDR ltd at my work, he said i owed money from **** , but i never ever had an account with ****. ever! ** ** ***** *** * **** *** ** *** ******
    The phone number was*********8
    Please tell him and his company to quit ********* me a work and making up lies to try to collect money that I do not owe.

    Business Response

    Date: 07/04/2025

     

    Hello ******* *********,

    We have received your complaint and have taken the
    necessary actions. We are in the process of gathering the required information.

    In the meantime, your account will be placed on hold, and I
    can assure you that no calls will be made.

    Thank you,

    Customer Answer

    Date: 08/04/2025



    Complaint: ********



    I am rejecting this response because:  * **** * ******** ******** **** ****** * ******** *** *** ** ****** ***** *** ***** ***** ****.  I want FDR to quit bothering me and to take my name off their books.  I shouldn't have any account to be put on hold, ***** ****** *** ********* **** *** **** ** ** *******  * ** ****** ** ******* ** ****** *** **** *** ****** ** **** ** ****.  Please make them stop.  Thank you



    Sincerely,



    ******* *********

    Business Response

    Date: 08/04/2025

     

    Good day ******* *********,


    We would like to inform you that your account has been closed
    on our end. As a result, no further calls will be made to you.
    If you have any questions or require further
    assistance, please feel free to reach out.


    Thank you,


Financial Debt Recovery Ltd is NOT a BBB Accredited Business.

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