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:09/10/2024

  Type:Service or Repair 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.

  Unfortunately my husband and I have had the displeasure of trying to work with this company. Somehow after 15 years this company, and a past property management company have filed a wage garnishment against me. In the last few years this debt has not showed up on our credit reports, which is very interesting as we bought our house last year, and this was not a judgement we had to satisfy then.Last week my workplace finally got an Earnings Garnishment statement, yet I didn't receive anything until 09/07/2024, in which that was dated 08/26/2024. Aside from notices not getting to us in a timely manner or at all, it has been absolutely dreadful trying to contact this company to TRY and work with them. After multiple calls through the weekend, into yesterday, I finally spoke to a human at the end of the day. When I called earlier I was not able to speak with anyone so I left messages for call back that never got returned; I also did email, in which the first response was to call again, and then no response to my other email advising that I can not get ahold of anyone and need to. When I was able to connect with someone I still did not get the answers to the questions I was asking, and was told multiple times by *** that "I don't have that information", or "I can't provide that information to you, the County Court is where you need to go". Upon calling again today 09/10/2024 to speak to another **** and hopefully a supervisor, I got *** again who gave me the same answers, and is also is supposedly the supervisor. How is it possible that a collections agency can not advise you on the debt they hold?? Denying validation of the debt multiple times I know is predatory collection tactics, and this needs to stop! Aside from not verifying the debt, *** has refused to try and settle this old, almost 15 year old debt. It's insane, the company is terrible, and something should be done about their tactics.

  Business Response

  Date: 09/12/2024

  To whom it may concern,

  We have reviewed Mrs. ******* comments and respectfully submit the following response. We understand the collection process can elicit many different reactions from debtors, this range can be anywhere from acceptance of the debt to anger and hostility however, every effort is made to work with a debtor. Regarding Mrs. ******** comments, our client obtained a judgment against *** and Mrs. ******* on 4/28/10 and listed the judgment with our agency for collection on 1/10/12. The proper validation notifications were sent to ***and Mrs. ******* at that time. Our agency has also had several communications with both *** ******* and Mrs. ******* throughout the years. We cannot speak to her comments regarding the credit bureaus nor their bank not identifying the judgment. They would need to speak directly with them. In fact, during their call to us on 9/9/24, they even acknowledged receiving our previous communication(s).
  We did receive a communication from Mrs. ******* on Saturday 9/7/24, when our office was closed, indicating she would like someone to contact her as soon as possible to get the judgment taken care of but would like to discuss the balance and a potential settlement on the balance. She also indicated that email communication was preferred given her work schedule during the week.  We responded to her contact as soon as possible on Monday 9/9/24 and since some of the questions simply could not be answered via email, we requested she contact us to discuss them. *** and Mrs. ******* called later that day inquiring about the balance on the judgment,whether there were any settlement options available as well payment options.Their questions were answered, resulting in *** and Mrs. ******* promising to pay the account in full via a certified check from their bank.   
  
  Thank you,
  *** ***** -FRI

• Initial Complaint

  Date:06/28/2023

  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 woke up one morning a few weeks ago and noticed that my paycheck was smaller than normal. When I went to check my paystub I noticed that unknown to me I was being garnished by this company. When I looked myself up on ********* circuit court there was nothing. When I looked up myself in my former(maiden) name there was a civil case taken out by this company in my maiden name that I was never notified of and a judgment was already awarded because of course the paperwork was sent to a previous address so I never had the chance to contest anything. This is the 21st century and you can literally ****** anyone for their current address. This company did not verify the debt as they had the wrong name and also wrong address. I called this company numerous times and left voicemails as no one would answer. Not a single call back from a verified phone number and not a single voicemail calling me back on my concerns. Today I was lucky enough to get ahold of a live person who was demeaning, and rude when I told her the circumstances and that I needed the paperwork sent to my actual address. I then asked to speak with a member of the legal team and there is so many legal issues here and she hung up. When trying to call back I continued to be ignored and got voicemail of theres without any call back. Also it is listed on my credit file that I owe over $900 more then I actually owe. This company is predatory and unlawful.

  Business Response

  Date: 07/05/2023

  To whom it may concern,

  
  We have reviewed the comments made by ************** however in order to identify and complete a review for a response, we
  ask that ************** provide us with an account number and/or identification information.
  
  Respectfully,
  *****************
  FRI

  Customer Answer

  Date: 07/05/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  I do not have the account number or any information regarding the account because as stated originally, the paperwork was sent to a previous address never returned to sender. When I contacted this company to send all the paperwork the woman I spoke with said they had already sent it and refused to have it sent out again. I also requested the garnishment paper work as this was also sent to the wrong address. She stated she didnt have to send it to me but she would. I still have not received any paperwork regarding the account to this date. 
  
  Regards,
  
  *********************

  Business Response

  Date: 07/10/2023

  To whom it may concern,
  
  We have reviewed the comments made by **************, however without some type of identification or account information we are unable to complete a review or provide any further response.  
  
  Respectfully,
  *****************
  FRI

• Initial Complaint

  Date:04/21/2023

  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.

  Financial Recoveries *** is calling and threatening me for a debt I do not owe.I need them to stop calling with threats and stop reporting a fraudulent account to credit bureaus.

  Business Response

  Date: 05/03/2023

  To whom it may concern,
  

  We have reviewed the comments made by **************** and strongly dispute and absolutely deny his allegations. We have no record of any calls being made to the phone number he indicates or to anyone named *********************. *************** has also indicated he is disputing a debt. We request he send ** information regarding the account he is indicating he is disputing so we can complete a dispute investigation. We also request he include any documents or information outlining why he states he does not owe whatever debt he is referring to. Our mailing address is: FRI PO Box ****************************************

  Respectfully,

  ***************** - FRI
  

  Customer Answer

  Date: 05/05/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  

  Financial Recoveries *** is indicating that they didnt call me and they have no idea about this debt. Attached is a screenshot of the debt on my credit report.

  
  

  Financial Recoveries is being dishonest.

  see attached

  
  

  
  
  Regards,
  
  *********************

  Business Response

  Date: 05/17/2023

  To whom it may concern,

  We have reviewed the information sent by ****************. We again, strongly dispute and absolutely deny his allegations. We have no record of any calls being made to the phone number he indicates or to him regarding the account he is indicating. Our records also indicate we have already responded to a previous dispute submitted by **************** regarding the account.Because **************** does not include any new information on which to form the basis for a new investigation, we will not be conducting another investigation of the dispute. We have already marked the account as disputed in acknowledgment of his previous dispute. If **************** has proof of payment or new and/or additional information or documentation which outlines or supports his dispute we request he send it to ** via postal mail to our office for review. Our mailing address is: FRI PO Box ****************************************

  Respectfully, ***************** FRI

  Customer Answer

  Date: 05/18/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  [Please type your response here.]

  Hi,

  I've requested documentation from ***************** and the company to prove that the account they are harassing me about is mine, they have not sent anything. They have not uploaded any proof to the BBB either.

  I'm attempting to settle this matter before being forced to move forward with legal action.
  
  Regards,
  
  *********************

  Business Response

  Date: 05/22/2023

  I hope you are doing well. Im reaching out since we have received yet another complaint from ****************. This is a never-ending cycle. Our attorney recommended we contact you directly to help get this resolved since **************** is quite frankly, trying to trap ** by threatening and harassing **. We have sent the Federally required information several times to ****************. We have never called him. He had placed a cease and desist order on his account. Hes even contacted our client, who he owes the debt to, a couple of times acknowledging he owes the account!  

   

  The Better Business Bureaus mission, per your website is BBB sees trust as a function of two primary factors integrity and performance. Integrity includes respect, ethics, intent, and working toward a diverse, inclusive and equitable marketplace. Performance speaks to a businesss track record of delivering results in accordance with BBB standards and/or addressing customer concerns in a timely, satisfactory manner.

   

  Its vision is An ethical marketplace where buyers and sellers trust each other

   

  We are a business that prides itself in following the requirements and working with consumers respectfully, ethically and within the State and Federally required mandates. Shouldnt the BBB also hold a consumer to similar standards? Where is the protection for Businesses that are trying to do the right thing but find themselves in a situation where they are the ones harassed and lied about? We do not see anyway to stop ****************** continual abuse other than reaching out to you for your help.

   

   

  Thanks!

• Initial Complaint

  Date:11/11/2022

  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.

  Financial Recovery has started posting some account on my credit report without sending notification that is legally required. I also requested Validation and Disputed this debt but have not had a response from the company.

  Business Response

  Date: 11/14/2022

  To whom it may concern,

  We have reviewed the comments made by ****************. In order to identify and complete a review for a response, we ask that **************** provide us with an account number and/or additional information regarding the account he is questioning.

  Respectfully,

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

  FRI

   

   

  Customer Answer

  Date: 11/15/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  [ Hi, This account doesn't belong to me so I do not have any information on it. I have attached proof that they are reporting it to my credit report. Numerous times I've let Financial Recoveries *** know that the account doesn't belong to me and informed them that i dispute and request sufficient verification but no response. They need to immediately stop reporting this account to the credit bureaus under my name] 
  
  Regards,
  
  *********************

  Business Response

  Date: 11/15/2022

  We have received and reviewed the additional information **************** submitted for review. Our records indicate proper notice was sent to **************** 7/25/22. Our records also indicate, **************** did not respond to the notice, nor did he dispute or request validation information until now. Based on our investigation, we have determined **************** is the correct consumer for the account and our client indicates that the account is still outstanding. We have mailed the results of the dispute investigation to **************** via postal mail. We have also marked the account as disputed in acknowledgement of his dispute.   Please note, consumer reporting agencies may take up to 30 days or longer to update reports and this is beyond our control. If **************** has proof of payment or any documents which support his dispute, we ask that he send them to us for review.
  Respectfully,
  *****************
  FRI
  This communication is from a debt collector.
  This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose.
  This collection agency is licensed by the ******** of ******* in the ********* Department of Financial Institutions, www.wdfi.org.

  Customer Answer

  Date: 11/17/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  [I've reached out to the credit bureaus and they said that Financial Recoveries *** verified an account reporting on my credit reports. I have no recollection of an account with the balance that Financial Recoveries *** is reporting so I will like to submit a dispute under Section 623 of the ***** Documents I want to request are: The signed agreement between Financial Recoveries *** and for the claimed account. All the statements for the claimed account that shows all the transactions, including each charge and payment that accumulated the balance. I expect you to follow the law and provide these documents so I can have my attorney to review them to see how are you able substantiate and be able to continue reporting the information you have. Thank you
  

  My Complaint is above. Financial Recoveries *** has not shared the legally required documents that i requested to verify this debt and how the balance was accumulated.

  
  Regards,
  
  *********************

  Business Response

  Date: 11/23/2022

  what he requested we have mailed. he got notfication - business states sent proper orig listed in july- we sent the documents