FMR

Dear Ms. [redacted],  FMR has been contracted to collect on debt attached to your name. The phone call in question has been reviewed thoroughly. Most importantly, all of the information attached to this debt has been placed with our office. The last four digits of your social security number were...

verified to assure the correct party was on the line. This is due to federal privacy laws. Your were never told that there was a fraud case against you however you were given the lender, the address at the time of the supposed debt, the email address, and the dates of the loan. Again, all information placed with our office.  You were not asked for an updated address because you verified an email in which your documentation could be sent. When you requested the information to contact [redacted], you were told that it was an online loan and it may be easier to retrieve information from their website. You are claiming that you have never obtained this debt, and your account was promptly placed in a disputed status so that it could be returned. Your allegations that we are a scam are unfounded and libel.  We are not a credit reporting agency we are only contracted to help you resolve the matter. The second phone call you placed to this office was also reviewed, and the last four digits of your social security number were verified before you were transferred to the correct party and provided any information. Regards,  Nick W.

Dear Ms. [redacted], FMR has been contracted to collect on debt attached to your name. At the time you contacted our office and spoke with a representative you immediately disputed any debt with our office. You’re allegation that we do not provide information is unfounded seeing as during your phone...

conversation you did not ask for any information pertaining to the debt including the name of the lenders. We would like to assure you that any information you would have asked for would have been provided. Your account has been documented as paid prior and all collection efforts have been permanently discontinued. You will not be contacted again. Regards, Nick W.

Dear Mr. [redacted], FMR has been contracted to handle a personal business matter attached to your name. All calls made from this office are done so within the confines of state and federal law. Disclosing our company name or that it’s an attempt to collect a debt to an unauthorized phone number or...

individual would be against state and federal regulation. Regards, Nick W.

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

Dear Ms. [redacted], FMR has been contracted to handle a personal business matter. Our records do not indicate that you have contacted our office to inform anyone that you are being called in error. We can certainly remove a phone number from our database if requested. Please be assured that your phone...

number has been removed and that you will not receive any more phone calls from this office. We apologize for any inconvenience we may have caused. Regards, Nick W.

Dear Ms. [redacted], FMR has been contracted to handle a personal business matter attached to your name. In 2015 an account was placed with our office, after several discussions with you the account was placed in into a dispute status and returned. Unbeknownst to us, a second matter was placed with...

our office on August 2, 2017. As per this complaint the matter has been closed and returned. We apologize for the inconvenience and can assure that you will not receive any more calls from this office. Regards, Nick W.

Dear [redacted], FMR would like to apologize for any inconvenience. The debt attached to your name has been closed, documented disputed. There will be no further collection efforts. Regards, [redacted]

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.
Regards,
[redacted]

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. What I had stated is the bank account that the supposed payday loan was deposited into was closed in 2011. So there was never an actual payday loan put into said account in 2013. Therefore there was not actual debt to begin with. The complaints I stated seem to be a common theme.
Regards,
[redacted]

Dear Ms. [redacted], FMR is currently contracted to collect on a debt that is attached to your name. Due to the inconvenience caused by our location and tracing efforts, FMR will be closing the debt with monetary relief. FMR would like to apologize to you and anyone else that was inconveienced....

Regards, Nick W.

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me as long as they cease all correspondence and phone calls being placed. 
Regards,
[redacted]

Dear Ms. [redacted], FMR has been contracted to collect on a debt attached to your name. The account was marked as disputed and closed. Looking into the account and your complaint helped determine we would be relieving you of any further financial obligation from this account. All collection efforts...

have been permanently discontinued. FMR would like to apologize for any inconvenience. Regards, Nick W.

Dear Ms. [redacted], Your account with this office has been closed with monetary relief. As was stated in our previous response, all communication has been permanently discontinued. Regards, Nick W.

Dear Ms. [redacted], FMR has been contracted to collect on debt attached to your name. When you first spoke to our representative you were provided all of the details pertaining to the debt. You did dispute the debt at first and the amount owed. It was explained to you that we are only here to assist...

you in resolving the matter and you stated you would not be resolving the debt, at that time the call was ended.  The second time you contacted our office you spoke to a supervisor who you then told the debt was paid prior and also that you weren’t made aware you owed the bill.  You became upset and irate when our procedures were explained. It is apparent that you do not want to resolve this matter with our office. This matter has been closed and returned. Your will not receive any more phone calls from this office. Regards, Nick W.

Dear Ms. [redacted], Your conversation with our representative was reviewed for a second time, you were asked to verify if we were speaking with the correct party, at that time you refused. You went on to ask for our companies name and what we handle, you were provided this information. Due to the fact that we were not able to verify you were the correct person any documentation goes to the address attached to the matter. You do not know what this matter is regarding and your allegation that this not a real claim is unfounded. Again your account has been closed and returned. You have not and will not receive any more calls from this office. There is no further information to be provided here. You refused to verify. This is our final response in the matter. Regards, Nick W.

Dear Mr. [redacted], First I would like to apologize for the wrong documentation being sent. The requested documentation was a verification of debt, which would have provided the requested information. Either way, at this point, FMR has documented the account as disputed and permanently discontinued all...

collection efforts. FMR would like to apologize for any inconvenience. Regards, 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.
I have call records and my bank also called these people. They are lying and I have also received a letter from the NC Attorney general that  will look into the matter. I have already saved my call logs. These  people are crooks and liars stealing people info.
Regards,
[redacted]

Dear Ms. [redacted], As you stated here in your response you are disputing the validity of the debt. In our previous response, we had stated that all collection efforts have been permanently discontinued. We are closing the account with monetary relief, meaning there is nothing owed on this account. There has been nothing reported against your credit. Again, FMR would like to apologize for any inconvenience or miscommunication in the matter. Regards, Nick W.

Dear Mr. [redacted], FMR has been contracted to handle a personal business matter attached to your name. We were able to locate the matter that was placed with our office and you have not been into contact with anyone here. You do not know what this matter is regarding therefore your allegations are...

unfounded. This matter has been closed and returned. You will not receive any more phone calls from this office. Regards, Nick W.

Dear Mr. [redacted], Your account with FMR has been documented as disputed. There will be no further collection efforts made from FMR. We apologize for any inconvenience. Regards, [redacted]