FMR

Forward Movement Recovery (“FMR”) is in receipt of Ms [redacted] ’s complaint and appreciated the opportunity to respond FMR is a collection agency and owner and current creditor of a loan in Ms [redacted] ’s name The original creditor of the loan Ms [redacted] took out is [redacted] Holdings LLCThe last four account digits are ***We are not sure why she did not receive the documentation that was sent and encourage her to contact us and ensure we have her proper address on fileOur representatives did place calls to Ms [redacted] ’s references in an attempt to locate her and obtain current contact information All skip-tracing efforts are done in compliance with federal law, specifically the Fair Debt Collection Practices Act We respectfully disagree with Ms [redacted] that we continued to call her references after we spoke with her Calls were only placed on this account for day, on October 16, Ms [redacted] asked our representatives to cease contacting her references when she called in the same day, at which point all calls stopped In fact, no further contact to Ms [redacted] ’s references or Ms [redacted] personally took place after this time We can assure Ms [redacted] that our company is not a “scam.” We are a legitimate company, registered with the Secretary of State In any event, we will continue to treat Ms [redacted] ’s complaint as a cease and desist and not contact her or her references again regarding this account Please contact the undersigned if we can be of any additional help in this matter Sincerely, Nick W Authorized Representative of Forward Movement Recovery

I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear belowI am not sure what kind of circus show these guys are running, but I have notified the FBI, TBI and the AGs of NY and TennesseeMoreover, per federal law, if you were a "licensed debt collector” as they assert (they offer us no proof of license IDs to verify), they are now in violation of the; Fair Debt Collection Practices Act (FDCPA) (b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collectorTheir corrupt operation never gave me the right to dispute any debt using the legal mandate under the FDCPA of sending me a written notice (commonly referred to a dunning notice) - not a phone callI have the call recorded and it has been be given to the NY-AG, the TN-AG, the FBI and the FTC to help shut down this scam down –for good While I doubt these scammers know how to follow the FDCPA as they are well known scammers, I am asking that the Revdex.com tell them to send me the following to resolve the complaint I filed with youI however reserve all my legal rights and remedies They write me at my home address and provide the following information: · (1) the amount of the debt; · (2) the name of the creditor to whom the debt is owed; · (3) Provide a verification or copy of any judgment (if applicable); · (4) Proof that you are licensed to collect debts in (insert name of your state) · (5) Finally, they admit to you I do not owe this debtTherefore I demand under the Fair Debt Collection Practices Act that they immediately PURGE ALL of my information from their “system” and send me a letter stating they have completed these steps within days Let them be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act, Fair Credit Reporting Act and other consumer protection statutesAnd I have taken steps to report your scam to the authorities Regards, ***

Forward Movement Recovery (“FMR”) has received the above complaint and appreciates the opportunity to respond in kind FMR is a collection agency and the current creditor and owner of an unpaid personal loan in Ms [redacted] ’s name The personal loan Ms [redacted] took out, originated with [redacted] LTDThe last four account number digits are *** We are attaching the verification of debt letter with our response for Ms [redacted] ’s convenience As Ms [redacted] indicates, FMR did speak with her on August 13, when she called into FMR As she called into FMR, we were not aware that she was at work After verifying all of her necessary information, we informed Ms [redacted] of the above information regarding her person loan She explained that she would like to satisfy the loan in full and set up a payment date to do soFMR spoke with the representative that spoke with Ms [redacted] and they vehemently deny telling her that there was a case or judgment against her, or threaten her in any way These types of actions against consumers are strictly prohibited and against FMR’s policies and procedures If there is evidence that these actions took place, please send them to us and we will handle the situation accordingly However, we have reviewed this complaint with the representative and a note has been placed in their file We are not sure why Ms [redacted] ’s email service provider flagged our correspondence to her as spam, this is the first we have heard of this happening We can assure Mr [redacted] and your office that FMR is a legitimate company and not a scam We are registered with the Secretary of State and take those types of allegations seriously We are working with our internet provider to determine if there is an issue to prevent any future correspondence obtaining the same results We are not sure how else we can assist Ms [redacted] , but we assure that FMR will not contact her regarding this account again unless she calls back into FMR to resolve the issue herself Please contact the undersigned if we can be of any additional help in this matter Sincerely, Nick W Authorized Representative of Forward Movement Recovery

I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meThey will no longer contact me Regards, [redacted]

Dear Ms [redacted] ***, FMR has been contracted to handle a personal business matter attached to your nameForemost, any recorded message that you may have received does not disclose the nature of our business due to federal privacy lawIn addition, when you did contact our office you told the representative you were not the correct partyAgain, due to federal privacy law we cannot disclose the nature of the phone call unless the correct party has been verified The representative remained professional and followed protocol At this time we have closed and returned this matterYou will not receive any more phone calls from this officeRegards, Nick W

Dear Ms***, FMR would like to apologize for any inconvenienceUnfortunately in this industry loans that have been previously paid or settled are sometimes sold in errorAs for the representative you spoke with, they have been sent for continued training and their file has been documented regarding this instanceYour account has been placed in a paid prior statusYou will not receive any further communication from this officeRegards, Nick W

Dear Ms***, We apologize as we were unaware that your identity had been compromisedFMR has permanently discontinued all collection activity and again, would like to apologize for any inconvenienceRegards, Nick W

I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below Forward movement recovery is not an accredited business for the Revdex.com, nor are they licensed in the State of NY to conduct skip tracing transactions [redacted] ***, is my brotherWe do not speak, nor have heard from in yearsNot that it's any of your businessYou are not allowed contact anyone else on your so-called CONTACT LIST, because you're not legally allowed to do so, as per the FDCAI also have filed a complaint with the FTC, this group was formerly known as ***, [redacted] groupThey do NOT have a license to conduct any business, let alone skip-tracing efforts on behalf of Forward Movement RecoveryI have the voice mail that states, you claim by law, that you can contact anyone else on this list that you CLAIM you haveYou can attempt to do so, but not at my expenseYou're not allowed to contact meI don't give a hoot about anyone else on your so-called listyou also told me to contact you per the voice mail message left by your automatic voice robot, that stated I needed to contact you regardlessI don't have to do anythingI don't owe the bill You're nothing but a bottom-feeder debt collection agency, posing as a skip-tracing company and I hope that the Revdex.com shuts down you down, as well as the FTC, you'll be hearing from the [redacted] attorney general, as wellGood dayRegards, [redacted] ***

Dear Mr***, FMR was contracted on a personal business matter attached to your nameAfter reviewing our file and call records, it is not possible for you to know the reason you were being called as you had never spoke with a representative of this companyFurthermore, we were not contracted on this matter until 06/07/2016, so we are not sure who was calling you for months on end but it was not FMRAll calls made from this office are done so within the confines of state and federal lawWe are not sure if you are confusing us with another office, but we assure you there will be no further communication from this officeRegards, Nick W

Dear Mr***, FMR has been contacted to handle a personal matterUnfortunately your phone number was contacted in error and we were unaware of this due to the fact that you did not inform anyone in our officeWe can assure that we have made sure your phone number is removed from our database as of March 27, We apologize for any incovonenience; you will not receive any more phone calls from this officeRegards, Nick W

Dear Ms [redacted] , FMR would like to apologize for any inconvenienceYour account with our office has been closed with monetary reliefThere will be no further collection efforts from this officeRegards, Nick W

Dear Ms [redacted] , FMR has been contracted to collect on a debt attached to your nameAfter reviewing the information provided, it would appear that one of your previously paid accounts was sold mistakenly by the original creditorFMR would like to apologize for any inconvenienceYour account in this office has been closed, and all collection efforts discontinuedRegards, Nick W

Dear Mr***, FMR has been contracted to handle a personal business matter of yoursWe have sent documentation to [redacted] ** [redacted] ***, FL***Please contact the office upon receipt of said documentationRegards, Nick W

I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below We requested VALIDATION of this debt via US Mail and have yet to receive said validation I have not received anything other than this person's word that this is a legitimate debt Which it is not! The voicemail left on our personal cell phone was threatening and I have yet to hear an apology Both my wife and I deserve that much Regards, [redacted]

Dear Ms [redacted] , FMR has been contacted to collect on debt attached to your nameOn July 28, you spoke with a representative who explained to you that we are attempting to locate you in an effort to resolve this matterYou were at this time provided the name of the creditor, the origination date, and the amount owedRather than wanting to resolve this matter when offered, you remained irate that a relative was contacted in errorYour allegation that this company is a scam is unfounded and untrueWhen you contacted our office for a second time you were provided our business information including the address as per your requestAt this time we have made the decision to discontinue collection effortsYour account has been returned and you will not receive any more calls from this officeRegards, Nick W

Dear Ms***, FMR has been contracted to on collect on debt attached to your nameOn November 29, you were provided all of the information pertaining to the debt via phoneIn addition you were emailed a validation of debt letter on November 30, to [redacted] @ [redacted] .com, as per your requestOur company is not provided the contact information for the original creditor, we are only contracted to help you resolve the matterUltimately we have provided you all of the information that we can in regarding the debtIf this debt was paid off prior it would have been advised for you provide proof of suchIt is apparent that at this time we can longer assist and we have made the decision to discontinue collection effortsYou will not receive anymore communication from this officeRegards, Nick W

Dear Mr***, On 02-01-you spoke with a representative of FMRThe representative informed you of the account that we had been contracted to collect onYou are stating here that any loan you had taken out was paid backUnfortunately this sort thing happens quite frequentlySomeone that you have paid does not properly close or status the account and then it is soldFMR would like to apologize for any inconvenienceAll collection efforts have been permanently discontinuedRegards, Nick W

Dear Mr [redacted] , FMR has been contracted to collect on a debt attached to your nameYou spoke with a representative on 01/26/16, at no time did you dispute the debtYou had stated you were going to "speak with your wife because she handles the finances"This account is being closed with no further collection activity from this officeWe apologize for any inconvenienceRegards, Nick W

Dear Ms***, FMR has been contracted to collect on a debt attached to your nameFMR will honor your request to discontinue collection effortsThe account is now closed and you will have no further correspondence from FMRFMR would like to apologize for any inconvenienceRegards, Nick W

Dear Mr***, FMR has been contracted to handle a personal business matter attached to your nameIt is to our knowledge that the consumer we are attempting locate has not been into contact with our officeWe have been unable to verify that you in fact are the correct party but would like to notify you that any documentation pertaining to this matter has been sent to the consumer’s address that we have on fileThe account has been closed and sent back and we can assure you that no more phones calls will be made to your phone number or any other contact numbers that were provided to usRegards, Nick W