Complaints

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.

• Initial Complaint

  Date:18/12/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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 not liable with this debt with ***** ****, furthermore, i do not have a contract with Financial Debt Recovery Ltd,. Neither of these 2 institutions have provided me with the original contract i requested.

  Business Response

  Date: 03/01/2024

  Hello and thank you for your inquiry. 

  Please be advised I have placed the account on hold and I have requested required backup documents. 

  We will be in touch once we have obtained them from the original creditor. 

  Thanks, 

  Customer Answer

  Date: 11/01/2024

  I will no longer need to work on this file.  I went directly to ******* myself with all documentation as evidence and ******* was professional to remove these ***** ******* and ********** collections from my account.   Basically they solved this problem.  *** ** *** *** * ** **** ****** *** *** ***** ***** ***** **** **** ** ***** ** ******* *** **** *** **********   Because they can't.    So I will no longer need you to pursue this file  

• Initial Complaint

  Date:12/12/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 has repeatedly called me looking for a ***** ***********. I have informed them via a telephone conversation and email that I am not the person that they are looking for.
  The phone call occurred on Dec 7, 2023 @ 10:26 EST.
  
  I also indicated I find their phone calls to be ********** ******** *** *********** to my life. * **** ***** * ********* ** *** ***** *** *** **** * ****** ** **** ******** ** **** *****.
  
  I asked FDR to stop communicating with me using phone, email, ****** **** or any other forms of written or electronic communications.
  
  I sent this email to ****************** at 11:58 Dec 7, 2023
  
  FDR management,
  
  Your company has repeatedly called me looking for a ***** ***********. I have informed you via a telephone conversation and via this email that I am not the person that you are looking for.
  The phone call occurred on Dec 7, 2023 @ 10:26 EST.
  
  I find your phone calls to be ********** ******** *** *********** to my life.
  
  Other than acknowlgement of this email, stop communicating with me using phone, email, ****** **** or any other forms of written or electronic communications.
  
  Remove my telephone number from your records.
  
  
  ***** *********** ************ 

  Business Response

  Date: 03/01/2024

  Hello and Thank you for your inquiry. 

  I sincerely apologize for the inconvenience. Please be advised the number has been removed and added to the do not call list. 

  If this continues to become an issue, you can reach out directly at ****************

  Customer Answer

  Date: 04/01/2024

   
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

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

  It seems that if one company has no success in collecting they simply pass the file to another agency.

  What guarantee is there that I will not be contacted from any other agency? 
  
  
  
  Sincerely,
  
  
  
  ***** ***********

  Business Response

  Date: 08/01/2024

  Hello and Thank you for your response. 

  Respectfully, I cannot control the action of other agencies/companies. Perhaps, your number might be associated with the individual's credit report. 

  I can control what FDR Ltd. and associated companies can do, however, once again, I cannot control other companies' actions. 

  If I can help by any means, please advise. Otherwise, I believe I have addressed as far as FDR Ltd. is concerned. 

  Thank you and have a great day. 

  Customer Answer

  Date: 23/07/2024

  To follow up on your email, Yes FDR is still trying to contact me.
  As I have said in previous emails I find that their calls are ********* and disruptive to my life.
  The history of this file is clear. The commitment of the company not to call was also clear.
  ******* ** ** *** ****** *** ** *** ******* *** ******* ** ***** *** ********* *** ***** ***** ************* *** *********
  
  I am available to answer any of your questions should you need more information.
  
  Kind regards,
  ***** ***********
  

  
  

  Business Response

  Date: 12/08/2024

  I wanted to confirm that the number you provided has been successfully removed and added to our Do Not Call list. We trust this will resolve the issue.
  Should you experience any further problems or if the issue persists, please do not hesitate to contact us through the same portal. We’re here to assist you.
  Thank you for your understanding and cooperation.

• Initial Complaint

  Date:08/12/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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.

  Finacial Debit Recovery Ltd. has sent a claim from **** ** ******* to collections from a date that was posted 32 years ago (1991). Ticket #******************* on May 4, 2023 for the amount of $66 now accumualted to $82.00 without notice. There is a statue of limitation as to when they can collect under ******* of the POA and are in violation. Ontario statute of limitations has its term set after 2 years which is well beyond, I would like them to remove this from collection and remove it from my credit history.

  Business Response

  Date: 12/12/2023

  Hello and Thank you for the communication. 

  Please be advised that "unless
  the creditor or the creditor’s agent confirms that the debt or collection is
  not barred by statute and the confirmation appears in the file"

  Also be advised that according to the Limitations Act (Ontario) 16(1), There is no limitation period 

  No
  limitation period
  16 (1)
  There is no limitation period in respect of,
  
  (i) a
  proceeding to recover money owing to the Crown in respect of,
  
  (i)
  fines, taxes and penalties, or
  
  (ii)
  interest that may be added to a tax or penalty under an Act;

   Kindly contact our office to discuss and resolve the matter and we can certainly find a mutual ground to rectify this issue. 

  Thank you and have a great day. 

  Customer Answer

  Date: 12/12/2023

   

   Complaint: ********

  I am rejecting this response because:
  
  Does the Crown not need to give notice of the claim and discolse this information in writting before filing a claim?
  
  Sincerely,
  
  
  
  ******** *******

  Business Response

  Date: 13/12/2023

  Hello Again - I can see a response was rejected, however, I have been provided no justification/reasoning for the rejection. 

  As mentioned earlier, we have a team eager and more than willing to assist you resolve the matter. Once the item is resolved, we are happy to send updates as to the status of the account. 

  Thanks and looking forward to hearing from you. 

  Customer Answer

  Date: 20/12/2023

  
  
  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. The matter has been resolved and paid in full to the **** ** *******.
  
  
  
  Sincerely,
  
  
  
  I******* *******

• Initial Complaint

  Date:01/12/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 keeps calling over 10 times everyday wanting to talk to an employee despite having their personal number. It is taking up the phone lines with valid customer calls and have continued to call after management, reception and the person they are trying to reach. This is getting out of control and is taking up to much of the companies time, this NEEDS TO STOP!

  Business Response

  Date: 08/12/2023

  Hello and thank you for reaching out. 

  Please be advised the number has been removed and added to the do not call list. 

  We apologize for the inconvenience we may have caused. 

  Thanks, 

• Initial Complaint

  Date:21/11/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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 calls every day from FDR. When I answer, it’s an automated recording but the name of the person they’re looking to speak with is always blank. I do not have any debts. If they need to speak to me about something specific to me, they need to call with a real person and leave a message with real information.

  Business Response

  Date: 08/12/2023

  Hello and Thank you for reaching out. 

  I would like to confirm the number has been removed from the file and added to our do not call list. 

  I sincerely apologize for the inconvenience and please feel free to reach out if any questions. 

  Customer Answer

  Date: 08/12/2023

  
  
  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:26/10/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 constantly getting automated calls from FDR Ltd but I have no bad credit (gold credit status) and believe they are trying to get a hold of another person whom I have no contact with and feel this is harassment and want them to cease calling me immediately.

  Business Response

  Date: 20/11/2023

  Hello and thank you for your inquiry.
  I apologize for the inconvenience we may have caused;
  however, please be advised the number has now been removed and added to the do
  not call list.
  
  Regards,
  FDR Ltd. 

• Initial Complaint

  Date:26/10/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 not liable for this debt with Financial Debt Recovery. I do not have a contract with Financial Debt Recovery, and they did not provide with with an original contract as I requested.

  Of the many repeated phone call s I have received from this company I have repeatedly asked for the original contract and have not once had my request acknowledged in any way, despite the company having my home address and email address. I have no contract with this company and am not liable for any suggestion that I do. I want this removed immediately. 
  
  Respectfully,

  Business Response

  Date: 20/11/2023

  Hello and thank you for your inquiry. Please be advised that I have requested the copy of the original contract and will forward it to you as soon as I receive it. 

  I have placed the file on hold in the meantime and will be in touch. 

  Thanks and regards, 

   

  Customer Answer

  Date: 21/11/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:it has not met the statute of limitations the BBB has in place with specific respect to timelines. **** ** ******* * ******** ****** **** * ******** ******* **** *** *** **** ****** ****** **** ** ** ** ****** ** ****** ** *** *** ******** ****. I ask that you have this company removed from. my report immediately as this has taken an emotional and monetary toll on my life. 
  
  
  
  Sincerely,
  
  
  
  **** ******

• Initial Complaint

  Date:23/10/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 continues to ****** me for a debt that has been included in my bankruptcy, I have emailed Maggi S. to advise her or him of this. My trustee has sent over all révélant information. This collection agency continues to ****** me over email on top of constantly calling my old number that no longer belongs to me; causing the current owner to get annoyed and mad at me.
  
  A complaint has been filed with the office of the superintendent of bankruptcy and they have advised me to filed a complaint here as well and to contact the policy to file a ********** report. Before any of these actions, the below contacts were emailed directly by myself to let them know of the ongoing ********** and violation of bankruptcy laws in multiple occasions.
  
  Maggi S., Vishal T., Aashiq K., and Michael F.

  Business Response

  Date: 20/11/2023

  Hello and thank you for the inquiry. 

  I certainly apologize for the inconvenience that you have experienced. I can see the file was previously not notified and the team was not aware of the situation. 

  Please be advised the matter is now closed on our end and you should not have been receiving any correspondence from our office. 

  If this is still an ongoing issue, please advise and I will personally escalate it to a higher level. 

  Thanks. 

  Customer Answer

  Date: 20/11/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: ** **** ** *** **********, ive clearly communicated that directly to Maggi by email and she replied with ane mail for my trustee to send the info over to. The info were sent and instead of the info being updated, you ignored you till now and are claiming no one from your side was told?
  
  
  
  Sincerely,
  
  
  
  **** ******

  Business Response

  Date: 29/12/2023

  Hi **** and Thank you for your response. 

  There must be a communication and I should have been more clear. with "Team" I meant our insolvency team was not notified, not our collection team. 

  Again, the matter is closed in our office and no pending file here on our end. 

  Thank you and take care. 

• Initial Complaint

  Date:16/10/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 have been receiving calls at my phone number, ************, which I have had since approximately June of 2015. It was previously used by ******* ******* ****) I believe, as I have been getting phone calls regarding her past debts, and now, apparently, current ones. I have advised a number of people who I was able to talk to on answering the calls about the issue that I am not and never have been ******* *******, and we do not know her or where she lives. Now we are getting calls from FDR (Financial Debt Recovery on a daily basis, but they do not allow us to pick up and answer as the phone does not ring nor allow return calls. Since we do not owe anyone any outstanding debts, other than **** *** ******* ***** ******** ************ ***** *** **** ** * ******* ****** we would like the calls to stop, as we cannot help with locating dear *******.

  Business Response

  Date: 16/10/2023

  Hello and thank you for your inquiry. I apologize for the inconvenience that we may have caused.

  Please be advised that I was not able to locate any file under the phone number you have provided below; however, I have added the number to the do not call list and hopefully that can assist us with resolving the issue. 

  Looking forward to hearing from you. 

• Initial Complaint

  Date:16/10/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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.

  Agency: FINAN. DEBT REC.
  Creditor: ****** **** Account ID: ******* 
  This collection item DOES NOT belong to me. I did reach out to the both creditor and the agency and they have confirmed that they could NOT find MY name under their system. They advice me to contact ***** ***** and have this item remove by them. Did reach out to ***** ***** but they are telling me to go back to the creditor. I am going back and forth but no one is willing to fix this issue.
  
  Please have a look at this and asked them to remove it.
  Please Remove this item.

  Business Response

  Date: 16/10/2023

  Hello and thank you for your inquiry. 

  I apologize for the inconvenience, however, I was able to locate the file and have asked a manger to reach out to you directly to discuss the matter. 

  The only reason for the confusion could be perhaps because you have reached out a different department as we have many in our firm. 

  Thanks

  Customer Answer

  Date: 16/10/2023

   
  
  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.
  
  

  however I want someone to reach out to me asap to have this collection items removed from ***** ***** 
  
  
  
  Sincerely,
  
  
  
  ******* ***************