Financial Debt Recovery

Please accept this acknowledgement of John Glass’ professionalism, with a personal touch, in assisting me in working through my very difficult financial issue. While having been put in a very difficult financial position, it was really helpful having someone like John on the other end listening and actually working hard to find a solution that worked for everyone. I thank you very much for your kindness and non-judgmental attitude John! I will be forever grateful for your assistance in lifting this immense load off my shoulders.

John Glass from FDR Inc. was very helpful and accommodating throughout the entire process of trying to help me find alternative sources of funds to pay my balance owing. Despite an APR higher than usual, I was glad to see my problem being brought to a successful closure. Job well done!

Review: On January 29, 2014, my 3rd letter was sent to Financial Debt Recovery Inc. regarding Acct # [redacted]. FDR fail** to respond to my letter dat** June 10, 2013. I ask** FDR to tell me the following: Prove the Statute of Limitations has not expir** on this account;Show me that YOU are licens** to collect in my state;Show me that YOUR COMPANY owns this account; andProvide me with your license numbers and Register** Agent.The letter was deliver** by US Post Office on January 30, 2014. Tracking number is [redacted]Desired Settlement: If FDR is able to provide the proper documentation as request**, I will require at least 30 days to investigate this information.If FDR fails to respond to this VALIDATION REQUEST within 30 days from the date of your receipt, all references to this account must be delet** and completely remov** from my cr**it file and a copy of such deletion request shall be sent to me imm**iately.

Business

Response:

Dear [redacted]

On 5/2/13, Customer / Debtor sent correspondence addressing the exact same information she is requesting in todays complaint. We repli** to her request and provid** the following as a courtesy.

Please note: her account was assign** to our office by [redacted]. on 6/12/09. Per FDCPA guidelines a notification was sent on 6/12/09 addressing her 30 day validation. Customer fail** to reply to our notification. therefore, another notification was generat** on 9/23/09. Once again, customer did not respond.

Customers rights for validation has long past. However in good faith we will provide this information for the very last time.

1. S of L is 4rs from the date of service to COMMUNICATION ONLY. However by sending correspondence requesting information customer waives it rights

2. Company Licens**: Is post** in our office for your review

3. We do not own this account [redacted]. Assign** the account

Lastly, now that we have provid** this information when can we expect payment from the customer to zero out her account

our office number is ###-###-####

Sincerely,

Collection Manager

Consumer

Response:

I have review** the response made by the business in reference to complaint ID [redacted], and have determin** that this propos** action would not resolve my complaint. For your reference, details of the offer I review** appear below.

First, Debt collector shows they don't own the debt, therefore they are not authoriz** to collect.

Second, I was never sent a letter with info and even now they haven't given me license number and register** agent.

Regards,

Business

Response:

2ND RESPONSE

We do not have to own the debt in order to collect on the debt. As mention** license number is post** in office for your review. lastly, regarding register** agent. this doesn't apply for the state of California.

Thank you

Collection Manager