FDR was authorized to settle debts with my approval. One of my creditors was paid off minus one payment in 2016. They sent another proposed settlement offer which I instructed FDR to deny. Against my verbal instruction and in spite of no written permission FDR paid off the creditor for the 2nd time by paying them the entire amount they proposed. This action which was done without my consent paid the creditor more than was owed. No notification was made to me about this transaction. I only fond out when I called them to once again reiterate that I DID NOT accept the proposal from the creditor. I spoke to three employees from FDR and two of them said they would look into the case and rectify it. The 1st one named BOB never called me back and after leaving in excess of 10 voicemail messages I stopped asking for him. Elena tried to help initially and promised me that she would take care of it after she read the case info, and she agreed with me that a mistake was made by FDR. I want FDR to refund my money that they paid to the creditor against my wishes. Please advise Thank you