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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:19/09/2022

    Type:Billing Issues
    Status:
    Resolved
    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 Ltd has been calling me up to 3 times per day, and even calling me after I have spoken to a customer service representative on the same day. They insist that I owe them over $7000 on a credit card that I have never had, and have never banked with the specific bank. I called the bank directly and they said they have no record of that debt. The manager at FDR has consistently threatened me with legal action but not followed through. I’ve asked for letters in writing and they continually harass me. They told me they will keep calling until I provide a police report, verification from **********, and proof of filing identity theft report with *******. This takes time and I’ve asked them to stop calling me. They continue to call several times a day from many different phone numbers. I’ve shown good faith, and have even proven that one of the addresses connected to that credit card isn’t mine, nor have I ever lived there. Whenever I try to explain myself, the manager interrupts and tells me to pay or his paralegal will send me something in the mail. I’ve said “Please send me something in the mail,” and then he says, “Have a good day, ma’am” and hangs up. I’ve called back and had to ask someone else for the email address that the manager wants me to send PDFs of police reports to. I was told they would take me off the automated calling list for 7 days. When I hung up, the automated call came again within five minutes. I do not owe this money. I need time to file reports. My mental health cannot sustain with these calls throughout the day.

    Business Response

    Date: 20/09/2022

    Good afternoon ****.

    We apologize for the ongoing phone calls. Your file has been
    placed on a temporary hold until October 3rd, that should be a
    sufficient amount of time to file what you need. Once that is complete, please
    forward us over the documentation so that we may handle this matter
    accordingly.

    Thank you. 

    Customer Answer

    Date: 20/09/2022



    Better Business Bureau:



    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.




    Sincerely,



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

  • Initial Complaint

    Date:19/09/2022

    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 LTD continues to call providing a case number and additional information regarding a different ******* ***. I have spoken with this company countless times and every time, I inform them that the SIN number they have on file is not mine and belongs to a different person. Once I speak with them, the calls stop for about a month and they continue to call again. These calls are now on the level of harassment and I am considering taking legal action against them. They call multiple times a day sometimes back to back. My family has also spoken with them on my behalf and explained the same situation, but of course, they only speak with me. The fact that it seems as though NO ONE keeps notes, information, or any indication of these conversations is appalling from a client service standpoint.

    Business Response

    Date: 21/09/2022

    Hi *******

    We are trying our best to resolve this matter as efficiently as possible. 

    We are aware that you have spoken to someone on September 16th 2022 and we are awaiting your phone call. Until we get in touch with you unfortunately the calls will continue. We are also aware that some information did not match, if you could please verify your date of birth, that would be greatly appreciated. 

    You can provide us with the information through here or you can call the manager of that department, ****** at *************

    Thank you

  • Initial Complaint

    Date:13/09/2022

    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.
    September 12, 2022 at 11:11am- I was contacted by an acquaintance advising FDR had contacted them by phone to collect a debt contracted to my name, and my name only. FDR advised they were contacting all my friends through the social media platform ********. Should the friend have a telephone number attached to their account, FDR is reaching out to them to collect a debt payment.
    I have never been contacted by FDR, by telephone, email or by mail for any collections. I do have a missed account with ***** **** so I reached out to them right away.
    September 12, 2022 at 11:14am - Upon discussions with ******* at ***** **** ****** ***** ***-***-****, the account was sent to Collections, but as I made a payment arrangement with ***** **** directly, the account would be processed through ***** **** only and no further collections would be involved.
    September 12, 2022 at 11:17am – I reached out to FDR directly requesting them to stop harassing my friends/acquaintances or I would proceed with a Harassment Cease and Desist Letter. The representative, ******* (************** *****) advised they will do anything in their power to embarrass and humiliate me into paying a debt collection FDR received from ***** ****.
    The ***** **** loan was in my name only, and no additional applicants were on the account. FDR is going above and beyond reaching out to my friends and family through social media. Therefore, I am requesting there be no further contact by the business, FDR, They are harassing parties that are not applicants of the collection, they are breaching confidentiality by releasing my personal information to third parties, and have yet to provide me with a demand letter or any written communication regarding my debt.

    Business Response

    Date: 20/09/2022

    Good afternoon, *****

    After review of this complaint,
    FDR can confirm that calls were being placed to the contact information we have
    on file, to yourself as well as your references provided at the time of the
    ***** **** application. Currently you have two separate accounts both for *****
    ****. Account ******* and account *******.  

    You had mentioned that FDR has never contacted you, however
    we did make reasonable attempts.
    April 6th, 2022 – FDR spoke to you, and you had
    advised that you cannot make any payment arrangements now due to health reasons
    and that as soon as you are able to, you will make an effort towards the
    account.
    April 13th, 2022 – FDR sent you a letter.
    June 17th, 2022 – FDR sent you a letter.
    August 23rd, 2022 – FDR contacted you and offered
    to get you in touch with a company called *********, which you were interested
    in and advised you will call FDR back.
    September 12th, 2022 – FDR had contacted you
    again.

    On September 12th when FDR had contacted you, you
    advised that you are looking to pay ***** **** directly and not FDR.
    Unfortunately, that is not how it works now that ***** **** has sent this debt
    over to our office as of April 4th, 2022. Our agency has been making
    our best efforts to resolve this account. Calls will continue until a
    reasonable agreement is reached on the account.

    Please do not hesitate to contact us. If in fact there was
    an agreement made with ***** **** Directly, please forward us over the agreement
    so that we may put a hold on both accounts in our office.

    Thank you.

  • Initial Complaint

    Date:13/09/2022

    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 being called constantly by a Company FDR Limited claiming I owe money. I found out this is a collection agency. It is a recorded message for someone not my name. I have called FDR directly 2 times and was assured that they understand that it is not me and that they will remove my number from the call list. They also said the person they are looking for is in Vancouver, I am in Toronto and have a *** area code. I am not sure how to stop them calling and I am hoping that you can handle this. The name of the person they are trying to reach is ******* ******, which is not me and I do not know them.

    Business Response

    Date: 21/09/2022

    Good afternoon. 

    Your phone number has been removed from out systems, we do apologize for the phone calls. There are rare instances where the same phone number is listed on multiple files. We have made sure on our end that your phone number is removed across our systems. 

    Please allow up to 48 hours for the changes to take into effect. 

     Thank you. 

  • Initial Complaint

    Date:08/09/2022

    Type:Billing Issues
    Status:
    Resolved
    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 is constantly calling my home phone looking for a person who has an outstanding debt.
    Her alleged name is ****** *******
    I do not know of this person and have never heard of them but assume on her credit application she used my number which did not belong to her.
    If FDR did their research by going to ****** *** and punching in this phone number they would have found out that this number does not belong to a " ****** ******".
    Please have FDR remove my number from their File and cease and desist from harassing me.

    Business Response

    Date: 21/09/2022

    Good afternoon. 

    Your phone number has been removed from our systems. Please allow up to 48 hours for any changes to take into effect. 

     

    Thank you. 

    Customer Answer

    Date: 22/09/2022



    Better Business Bureau:



    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.




    Sincerely,



    *** ********

  • Initial Complaint

    Date:08/09/2022

    Type:Billing Issues
    Status:
    Resolved
    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 bought a new cell phone 2 months ago and since then have been getting calls from FDR/*********** debt recovery. I spoke to someone the first time and told them I had no idea who they were looking for and that I had a new number. I've told them to remove me from their call list, I've blocked their number but I keep getting calls. It concerns me that when they sell this debt, I'll start seeing the calls again. I've had calls at 6:30 a.m., the latest today was 9:00 a.m. Pacific time.

    Business Response

    Date: 21/09/2022

    Good afternoon. 

    We apologize for the on going phone calls. At times there are multiples of the same phone number listed on different files. We have made sure that phone number ending in **** is removed across our system. Please allow 48 hours for the changes to take into effect. 

     

    Thank you.

    Customer Answer

    Date: 21/09/2022



    Better Business Bureau:



    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.




    Sincerely,



    ***** ****

  • Initial Complaint

    Date:01/09/2022

    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.
    These people call our office number almost EVERY DAY looking for someone who either worked here many years ago or never worked here. I have told them countless times (different people each time) that the person they are asking for NO LONGER WORKS or NEVER WORKED at my company (**** ****** ***) and if they did work here previously they haven't in YEARS. They say ok thank you, we'll update our file...and then they call again and again and again and again (you get the picture). Can these people not understand plain english? We have stopped answering these annoying calls. We are a business and fdrs daily calls are a complete nuisance tying up our limited phone lines.

    Business Response

    Date: 13/09/2022

    Good morning. 

    The phone number provided, ************, is not currently listed in our system. 

    We have done a thorough search and can confirm it is no longer being called by Financial Debt Recovery Ltd. 

     

    Thank you. 

  • Initial Complaint

    Date:01/09/2022

    Type:Billing Issues
    Status:
    Resolved
    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.
    F D R i(Financial Debt Recovery) is endlessly calling our number. We are retired and have lived at our current address since 2002. There were 2 other owners before us but we have no knowledge of them. We have no outstanding debts. We get at least 2 nuisance calls a day and hang up every time.

    Business Response

    Date: 13/09/2022

    Good morning, 

    We have successfully located the phone number and removed it from our systems.

    Going forward, no calls will be made. 

     

    Thank you. 

    Customer Answer

    Date: 19/09/2022



    Better Business Bureau:



    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.




    Sincerely,



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

  • Initial Complaint

    Date:01/09/2022

    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.
    Business is repeatedly phoning my number looking for someone else. I have asked to be removed from their list multiple times as I am not the person they are looking to speak with but am still receiving calls.

    Business Response

    Date: 21/09/2022

    Good afternoon. 

     

    The phone number ending in **** was removed from out systems on August 30th 2022. 

    Please be advised that no further calls have been made since. 

     

    Thank you. 

  • Initial Complaint

    Date:31/08/2022

    Type:Billing Issues
    Status:
    Resolved
    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 harassing my wife and I while I have never had/owed any sort of loan. They have my name and phone number from somewhere, but after I gave them my birthday information and they said it did not match their file and they refused to believe it and threatened to keep calling us. So they are still calling my wife and I 2-3 times per week.

Financial Debt Recovery Ltd is NOT a BBB Accredited Business.

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