Financial Recovery Services, Inc.

Initial Business Response /* (1000, 6, 2015/06/15) */
Re: Ms*** ***
Case : XXXXXXXX
Dear Ms***
Thank you for the opportunity to respond to Ms*** complaint
The Fair Debt Collection Practices Act prohibits debt collectors from disclosing information to third parties regarding
any debts without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdictionThe individual from whom Financial Recovery - Services, Inc(FRS) was attempting to collect a debt has not provided FRS with consent to disclose information to any third partiesHowever, since this communication is not made with a view toward collecting the debt, FRS may provide information in this matter for the purpose of responding to Ms*** complaint
In May of 2015, an account was placed with our office for collectionStarting on May 27, FRS attempted to contact the consumer at the telephone number provided when the account was placed with our officeOur attempts were answered on June 2, when someone with the same name answered and stated to take her off our calling list
In Ms*** complaint, she alleges that our office calls at all hours of the day, even after 9pm and is harassing her and states she has repeatedly asked for us to stop callingFinancial Recovery Services, Incdenies this allegationFRS employees are trained to treat all individuals in a professional mannerFRS does not condone or tolerate rude or unprofessional behaviorFRS routinely conducts training on professional telephone techniques and treating everyone in a respectful and professional mannerWe have reviewed the account notes, call logs and call recordings and believe that our representative acted appropriately when after the conversation, he noted the file, removed the number and placed a warning on the
account not to call the phone number XXX-XXX-XXXXOur call logs also indicate that all calls were placed within appropriate calling hours
Our policy is that when we receive a written or verbal communication from the consumer stating not to call a phone number, and they provide the necessary verification to prove they are or are not the consumer, we immediately update our system to remove the telephone number and/or address and document the file with a note identifying that the number and/or address is not to be used to contact the consumerUpon reviewing this file we were notified an incorrect phone number was called and the number was removed from the account at that timeHowever, in an effort to resolve this complaint, we will notate the account that a complaint was received, close the account as a cease and desist, and provide our client with a copy of the complaint and our corresponding response
Financial Recovery Services, Incacted appropriately and within the bounds of state and federal law with regard to this accountI trust the actions Financial Recovery Services, Inchas taken to notate the account that a complaint was received, close the account back to our client as a cease and desist, and forward a copy to our client is a satisfactory resolution
FRS does not have any control over the actions of our clients or any subsequent collection agencies in regards to this account
Respectfully submitted,
*** ***
Quality Assurance Director

Initial Business Response /* (1000, 5, 2015/08/20) */
Complaint Activity #: ***
Dear Ms***:
Thank you for the opportunity to respond to Ms***'s complaint
The Fair Debt Collection Practices Act prohibits debt collectors from disclosing information to third parties
regarding any debts without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdictionThe individual from whom Financial Recovery Services, Inc(FRS) was attempting to collect a debt has not provided FRS with consent to disclose information to any third partiesHowever, since this communication is not made with a view toward collecting the debt, FRS may provide information in this matter for the purpose of responding to Ms***'s complaint
In July of 2015, *** listed an account under Ms***'s name with our office for collectionOn July 10, 2015, FRS sent out an initial collection notice informing Ms*** that the account had been listed with our office and providing her with notice of her validation rights as required by the Fair Debt Collection Practices Act." It is reasonable for FRS to assume Ms*** received this collection notice as the letter was not returned as undeliverable
Our collection efforts were suspended when we received this complaintIn Ms***'s complaint, she alleges that this account is a fraudulent accountShe states she had requested documents regarding where this debt was originated and has not received the documentsThe complaint also states Ms*** would like her records removed from Financial Recovery Services, Inc., a letter stating that this account has been removed from her credit and records updated
Financial Recovery Services does not report to credit bureaus, our clients handle that aspect of the accountsFinancial Recovery Services, Incacted appropriately and within the bounds of state and federal law with regard to this accountAfter review of Ms*** complaint, it appears that we have had no prior contact with Ms*** until we received this complaintHowever, in an effort to resolve this complaint, we requested supporting documentation from our client and they advised us to close the file as fraud return with no documents provided to usWe have notated the account that a complaint was received, closed the account in our office as fraud, and provided our client with a copy of the complaint and our corresponding responseI trust the above action Financial Recovery Services, Inchas taken is a satisfactory resolution
FRS does not have any control over the actions of *** or any subsequent collection agencies in regards to this account
Respectfully submitted,
Kelli ***
Quality Assurance Director

Initial Business Response /* (1000, 5, 2015/12/21) */
We have mailed in a copy of our response and also attached our response belowThanks

Initial Business Response /* (1000, 5, 2015/12/31) */
Thank you for the opportunity to respond to Ms. [redacted]'s complaint.
The Fair Debt Collection Practices Act prohibits debt collectors from disclosing information to third parties regarding any debts without the prior consent of the consumer...

given directly to the debt collector or the express permission of a court of competent jurisdiction.' The individual from whom Financial Recovery Services, Inc. (FRS) was attempting to collect a debt has not provided FRS with consent to disclose information to any third parties. However, since this communication is not made with a view toward collecting the debt, FRS may provide information in this matter for the purpose of responding to Ms. [redacted]'s complaint."
In November of 2015, an account under Ms. [redacted]'s name was placed with our office for collection. On November 17, 2015, FRS sent out an initial collection notice informing Ms. [redacted] that the account had been listed with our office and providing her with notice of her validation rights as required by the Fair Debt Collection Practices Act." It is reasonable for FRS to assume Ms. [redacted] received this collection notice as the letter was not returned as undeliverable.
Starting in November of 2015, FRS attempted to contact Ms. [redacted] at the telephone number provided when the account was placed in our office, Our attempts were answered on November 18th, when a third party picked up and stated Ms. [redacted] was in the hospital. FRS attempted to contact Ms. [redacted] again and on December 3, 2015 our representative reached a third party who stated Ms. [redacted] was in the hospital and should be available next week. On December 28, 2015 our representative reached a third party who stated the consumer wouldn't know our representative by name and if it is a marketing call we are not supposed to call her cell phone and the third party stated she would block our call. At this time our representative moved the account to a closed unit in our office and the account was returned back to our client on December 29, 2015.
In Ms. [redacted]'s complaint, she alleges that she gets rude calls on her cell phone number and would not like harassment calls on her cell phone. Financial Recovery Services, Inc. denies this allegation, FRS employees are trained to treat all individuals in a professional manner. FRS does not condone or tolerate rude or unprofessional behavior, FRS routinely conducts training on professional telephone techniques and treating everyone in a respectful and professional 1T13lI1?1G1".
Also, our policy is that when we receive a written or verbal communication from the consumer stating not to call a phone number, and they provide the necessary verification to prove they are the consumer, we immediately update our system to remove the telephone number and document the file with a note identifying that the number is not to be used to contact the consumer. Upon reviewing this file we were never notified to stop calling Ms. [redacted], so our efforts continued. However, in an effort to resolve this complaint, the account has been returned back to our client, we have notated the account that a complaint was received, removed the phone number from the account and forwarded a copy of the complaint to our client.
Financial Recovery Services, Inc. acted appropriately and within the bounds of State and federal law with regard to this account, I trust the actions Financial Recovery Services, Inc. has taken to return the account back to our client, notate the account that a complaint was received, remove the phone number from the account and forward a copy of the complaint to our client is a satisfactory resolution.
FRS does not have any control over the actions of our client or any subsequent collection agencies in regards to this account.
Respectfully submitted,
Kelli [redacted]
Quality Assurance Director
Initial Consumer Rebuttal /* (2000, 7, 2016/01/13) */

Initial Business Response /* (1000, 8, 2015/10/30) */
FRS sent our response by mail on 10/27/2015. Attached is the response letter we sent.

Initial Business Response /* (1000, 5, 2016/02/12) */
Re: Ms. [redacted]
Case #: XXXXXXXX
Dear Ms. [redacted]
Thank you for the opportunity to respond to Ms. [redacted] complaint.
The Fair Debt Collection Practices Act prohibits debt collectors from disclosing information to third parties...

regarding any debts without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction.' The individual from whom Financial Recovery Services, Inc. (FRS) was attempting to collect a debt has not provided FRS with consent to disclose information to any third parties. However, since this communication is not made with a view toward collecting the debt, FRS may provide information in this matter for the purpose of responding to Ms. [redacted] complaint."
In November of 2015, our client listed an account under Ms. [redacted] name with our office for collection. On November 3, 2015 FRS sent out an initial collection notice informing Ms. [redacted] that the account had been listed with our office and providing her with notice of her validation rights as required by the Fair Debt Collection Practices Act." It is reasonable for FRS to assume Ms. [redacted] received this collection notice as the letter was not returned as deliverable, Starting on November 4, 2015, FRS attempted to contact Ms. [redacted] at the telephone number provided when the account was placed with our office. The telephone number we attempted was identified as an incorrect number and FRS did not have any other telephone numbers to contact Ms. [redacted] at, FRS sent three additional letters to Ms. [redacted] and out attempts were answered on February 1, 2015, when Ms. [redacted] logged on to our website and made a payment. At this point, FRS did not have a valid telephone number to reach Ms. [redacted]
In an effort to locate consumers on accounts that phone numbers and/or address became incorrect, we do a process called skip tracing. On February 1, 2015 one of our representatives began to do a skip trace on the account. In attempting to locate consumers, Financial Recovery Services, Inc. occasionally reaches individuals who have a former telephone number of a consumer we are attempting to locate, are related individuals, or have similar names, which appears to be the case in this situation. On February 6" we reached an individual who stated the number we called was not the consumers telephone number. Also, our policy is that when we receive a written or verbal communication from a consumer or any third party stating a telephone number is incorrect or no longer associated to the consumer, we immediately update or system to remove the telephone number and document the file with a note identifying that the number is not to be used to contact the consumer which is what our representative did when it was identified the number he attempted to reach Ms. [redacted] at was incorrect,
In Ms. [redacted] complaint, she alleges that we contacted a family member and our business practices are unethical, poorly executed and downright despicable. Financial Recovery Services, Inc. denies this allegation. When we attempted to contact a telephone number associated to Ms. [redacted] and it was identified that it was an incorrect telephone number, our representative immediately removed the telephone number and noted the account that it was not a correct telephone number for Ms. [redacted]
Financial Recovery Services, Inc. acted appropriately and within the bounds of state and federal law with regard to this account. However, in an effort to resolve this complaint, we have updated the account with the telephone number provided by the Ms. [redacted] on this complaint and have removed all other telephone numbers. We have notated the account that a complaint was received, and provided our client with a copy of the complaint and our corresponding response. I trust that the actions we have taken to resolve this complaint will be a satisfactory resolution,
FRS does not have any control over the actions of our clients or any subsequent collection agencies in regards to this account.
Respectfully submitted,
Kelli [redacted]
Quality Assurance Director
Initial Consumer Rebuttal /* (2000, 7, 2016/02/18) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 5, 2016/03/14) */
Re: Ms. Jana [redacted]
Case #: XXXXXXXX
Dear Ms. [redacted]
Thank you for the opportunity to respond to Ms. [redacted]'s complaint.
The Fair Debt Collection Practices Act prohibits debt collectors from disclosing information to third parties...

regarding any debts without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction.' The individual from whom Financial Recovery Services, Inc. (FRS) was attempting to collect a debt has not provided FRS with consent to disclose information to any third parties. However, since this communication is not made with a view toward collecting the debt, FRS may provide information in this matter for the purpose of responding to Ms. [redacted]'s complaint."
In November of 2015, Discover listed an account under Ms. [redacted]'s name with our office for collection. On November 6, 2015, FRS sent out an initial collection notice informing Ms. [redacted] that the account had been listed with our office and providing her with notice of her validation rights as required by the Fair Debt Collection Practices Act." It is reasonable for FRS to assume Ms. [redacted] received this collection notice as the letter was not returned as undeliverable. Starting in November of 2015, FRS attempted to contact the Ms. [redacted] at the telephone number provided when the account was placed in our office. Our attempts to contact Ms. [redacted] went unanswered.
In his complaint, Ms. [redacted] does not convey a specific complaint but rather states her situation and hardship. We also received an email from Ms. [redacted] on March 10, 2016 which stated her situation and asked for us to leave her alone. At that time we notated the account as a cease and desist and closed it back to our client, Discover, as such.
Financial Recovery Services, Inc. acted appropriately and within the bounds of state and federal law with regard to this account. I trust the action Financial Recovery Services, Inc. has taken to note the account that a complaint was received, close the file in our office and forward a copy of the complaint to our client is a satisfactory resolution.
FRS does not have any control over the actions of our client or any subsequent collection agencies in regards to this account.
Respectfully submitted,
Kelli [redacted]
Quality Assurance Director

We acknowledge receipt of this complaint and have already provided an accurate response in the first letter we responded to. In Mr. [redacted]’s response, he indicates that Financial Recovery either owns or is an entity of [redacted] and also states that Financial Recovery is the parent company of [redacted]. This is inaccurate information.  Financial Recovery Services, Inc. is a third party debt collection agency and our clients place accounts with our office for debt collection. FRS does not report to the credit bureaus.  We have no control over the reporting that occurs by our clients.  The attached documents that Mr. [redacted] has provided shows [redacted] as the company on his credit report, not Financial Recovery Services, Inc. Financial Recovery Services, Inc. has acted appropriately and within the bounds of state and federal law with regard to these accounts. Mr. [redacted]’s accounts are no longer being handled in our office and have been returned back to our client.  Any further questions regarding these accounts or credit reporting would need to be made directly to our client [redacted]s.

Please see our attached response. We have also mailed you a copy of our response to the address listed on the complaint.

I am rejecting this response because:
In The attachment letter it states:That Financial Recovery Systems does not report to any credit reporting agencies. As you can see...

here in my attachments by the letter Financial Recovery sent me via Revdex.com attachment that is not accurate. Financial Recovery either owns or is an entity of [redacted]. (See attachments)Also attached is a copy of my credit report where [redacted] reported me to Experian.  Again Financial Recovery Systems is the parent company of [redacted].[redacted]Cc: Donald G. Crestman Atty