Thank you for visiting Financial Claims Researcher!


1) What is an Refund Recovery Specialist?

A Refund Recovery Specialist (Financial Claims Researcher) is authorized to process refunds. That is it. We don't create or manifest a refund for you, We only process existing refunds, based on businesses, from worker compensation to insurance policies, being unable to find the original owner. Understand, one cannot operate as an Refund Recovery Specialist unless you are authorized by the participating government agencies.


2) What is Fund 1 Independent Foreclosure Review?

In 2013, "15" mortgage servicing companies, subject to enforcement actions for deficient practices in mortgage loan servicing and foreclosure processing reached an agreement in principle with the Office of the Comptroller of the Currency and the Board of Governors of the Federal Reserve System to provide approximately $10 billion in cash payments and other assistance to help borrowers. The sum included $3.9 billion in direct cash payments to eligible borrowers and $6.1 billion in other foreclosure prevention assistance, such as loan modifications and forgiveness of deficiency judgments. The servicers that participated in the Payment Agreement included Aurora Bank, Bank of America, Citibank, EverBank, GMAC Mortgage, Goldman Sachs, HSBC, JPMorgan Chase, MetLife Bank, Morgan Stanley, PNC, Sovereign, SunTrust, U.S. Bank, and Wells Fargo and certain of their affiliated mortgage companies. For more information please go to; More information about Fund 1 Foreclosure Review


3) What is 99%, in customer satisfaction?

I was recently rated by my former customers and the result came back as a 99% in customer satisfaction, with my former customers. They felt that I was; 1) always abled to be reached. 2) returned phone calls. 3) honest about the process. 4) efficient in the process, and 5) I wasn't misleading about the refund. 

4) How did you get my information to contact me, about a refund?

Customer's information is supplied by different government agencies, that are holding the money. If you're authorixed by that government, as we are, you can look up that particular customer to process their refund. Once we get the customer's information to research their whereabouts, we contact them by email. mail. or phone call, once we find them. 


5) Why do I have an unclaimed refund? 

A check was issued to the "original owner" by the "original holder" of the money; as a refund, a settlement, a payout, or as a credit. After the "original holder" repeatedly "attempted", unsuccessfully, to contact the "original owner" at their "last known address"; the refund check was turned over to the government. The most common refunds are; unclaimed insurance policies, stocks, bonds, old bank accounts, mutual funds, and many other accounts. 


6) Is this some kind of scam? 

No, most people who receive these type of letters, calls, or emails automatically think that this is some kind of scam. Unfortunately, our society is inudated with different types of scam, that people don't know what is real or fake, anymore. The sad part is that thousands of people are rejecting our phone calls, letters, and email, because they don't believe that the money is true, or real. I've been processing refunds for over 18 years. The refunds are real and most people don't know that they have money that is unclaimed. I have testimonial that proves that the money is real. The saddest part that I have to convince "you", to claim your own money. Please go to, to view testimonials of customer from the past. For further testimonials please visit the Better Business Bureau site at;, and the Business Consumer Alliance site at; Also, to prove that we're not scammers;  

          Top eleven reasons why this is "not" a scam;

  1. We don't get paid, upfront (We ask for no money upfront)
  2. You mail you own claim forms to the government agency (This allow for 100% security and privacy)
  3. We do not see your social security number, at all. (Everything is mailed to the government agency)
  4. We don't get paid, until after you get paid. (Once your check is sent out, we receive a check after that. If you don't receive a check, we don't receive a   check)
  5. The refund check is mailed directly to you. (A check will be mailed to the you, and a separate check will mail to us, for our agreed upon processing fee) 
  6. We've been processing claims for over 18 years. (I doubt that a scammer can last that long)
  7. We have a A+ rating with the Better Business Bureau. (Customer testimonies, and no complaints)
  8. We have a AAA rating with Business Consumer Alliance. (Customer testimonies, and no complaints) 
  9. We have testimonials from Facebook customers, who used our service. Click here to check it out;                   
  10. We have video testimonial of former customers. Click "testimonials" at the top of the page.   
  11. 99% honesty rating                                                                    
7Why didn’t the government agency contact me themselves?

Certain government agencies do not have the manpower to directly service the millions of people that are owed money, so they authorize; Refund Recovery Specialist to find people. Additionally, they may be gaining interest on your money, or covering their budget with your money, which benefits the agency, but not you.


8) Why are you allowing us to mail our own claim forms?

With the alarming rate of identity theft, we want our customers to be in complete control of submitting their claim, and protecting their pertinent information. In the    18 years of doing this business, we have never had an issue with identify fraud, but we understand that it is a major concern in our society, and with our potential new customers. Now, you can submit your own claim, and be in complete control of your submission. We will never see your pertinent information. Only the government agency will have access to your pertinent information. We will only receive basic information. Once a document is signed, initialed, or notarized, you put them in the mailing envelope yourself, seal the envelope, and mail it off, yourself, or have the notary mail it off. A pre-addressed envelope will be given to you, by the notary, with the name and address of the government agency on it. A tracking number will be provided to you.


9) How does the "mailing your own claim" work?

The program was set up to help people who are apprehensive about sending their pertinent information to a third party. In this case, you submit your information directly to the government agency, that is holding the refund, yourself. Financial Claims Researcher never sees your pertinent information like; social security number.

How does it work?

  1.  Return the authorization voucher, or call us with your intentions
  2.   If you qualify, we'll dispatch a notary to home, work, or place of business. You can also meet a local notary, at their office, near your home.
  3.  The notary will show you how to fill out the claim form(s), correctly.
  4.  As you sign each form and the notary notarizes certain forms, you place each completed form into the enclosed large bronze envelope, yourself.
  5.  The large bronze envelope will already be pre-addressed with the address of the government agency, with a tracking number.
  6.  Once the notary complete all of the form, you mail the claims forms to the government agency, yourself.
  7.  Once your claim forms are received at the government agency, we will finish the processing of your claim, by contacting our resources within the government     agency, never seeing your pertinent information
  8.  If you're the actual owner or an heir, and you provide all of the requested information, you'll receive your check

The only information that you will need to provide to the notary is your identification. The identification is to prove that you are the person, you claim to be. Financial Claims Researcher will receive a processing fee of 10%, after you receive your check.


10) Why do I need a notary?

If your claim is $1000.00 or over, a notary signature is required. The certified and bonded notary is also responsible for helping you fill out the claim forms, so that the claim can be processed in an expeditious manner. If eligible, we will send a notary, for free, otherwise, the paperwork will be mailed directly to you. The notary is an independent agent of Financial Claims Researcher. On occasions, we may send a notary, if the total claim(s) are under $1000.00.

11) Why do I have to pay a percentage?

The percentage is mandated by the government agencies. It covers the cost in locating the original owner(s) or heir(s), the cost of a notary, and the cost of helping you process your claim. When you think about it, isn't it worth the percentage to be reconciled with your money in an expeditious manner?


12) Why is it that only 85-90% of claims submitted, are paid? Why not 100%?

In most cases, the people who are not paid on their claims, are people who did not submit all of the required documents. In some cases, they cannot find certain documents. The government will not pay out your claim, unless you have the proper documents. That is why it is important to allow a notary to show you how the fill out forms.  


13) How can I verify if your company is real?

Financial Claims Researcher, is registered with the Better Business Bureau and Business Consumer Alliance, which are consumer reporting agencies. Please click the icon, below, for former customer's testimonies, and company reviews;. We have no complaints, a AAA rating, and we’ve been in business for over 14 years. We also offer video testimonies on this website, on the "Testimonial" tab.

                                                                                   Better Business Bureau            
14) Do I have to pay taxes on this money?

Please consult your with your tax profession.

15) Will I receive any interest?

The government no longer pays interest to the original owner(s) or heirs of the money, but they are collecting interest. As long as your money remains unclaimed, they can hold your money, collect interest, and never pay you interest. Submit for your money and collect your own interest, buy a car, go on a vacation, pay a college tuition, or donate it.

16) Is the check made out to your company, or to me?

90% of the payouts will be made out to the "claimant", which can be the original owner(s), the heir(s), beneficiary, conservator, guardian, custodian, or trustee. The original owner's spouse and children are consider the most important claimants, and will have first rights, if the original owner(s) are deceased. A separate check will be made out to; Financial Claims Researcher, for the agreed upon percentage. We don't get paid until; you do. The check will be mailed directly to your address on file. 10% of the payout will be made out to; Financial Claims Researcher, and they will cut a separate check. 


17) This claim has more than one name on it. I don't know the other person or people, or I'm not associated with that person anymore, what can I do?

If you don't know the other person or persons, then more than likely, it was a personal or business transaction that involved you and other people. In most cases, it applies to a real estate transaction, escrow issues, car accidents, insurance claim, or some type of transaction that involved the payout or transfer of funds or property. You do not need to find the other person to claim the money. Depending on the claim, the government agency will divide the money based on the allotted percentages. For example; you are not married to your ex-wife anymore, but your claim is based on an insurance policy that you both purchased 10 years ago. You are unable to contact your ex-wife. You can submit the claim on your own, and collect your percentage of the claim. If there are only two people on the claim, you will receive 50% of the claim. If there are four people on the claim, you will only receive 25% of the claim, and so on. The outcome of these types of claims will vary. In some cases, there will be two names on a claim, because the beneficiary was a minor at the time, and the custodian was managing the minor's account. If the minor is legally an adult, the minor is entitled to 100% of the money, regardless if there are two names on the claim. If all of the original owners are in the same household, then you all can sign the same form. If one original owner or heir is in one state and other is in another state; Financial Claims Researcher can send separate forms to each person.

18) Can I release my money to a relative, friend, or charity?

Yes, you can fill out a; "Property Relinquish Form", and transfer all funds to a designated person, or entity. Any person or entity that you transfer your money to; will need to submit their personal, or charible information, along with yours. This is also good if you're on a fixed income, and you don't want the Social Security administration or Uncle Sam to find out that you received extra money this year. You can transfer your refund to a son, daughter, brother, etc. 

19) How does the process work?

Mail, fax, or email the Authorization Voucher “Authorization Voucher”, or call us. Once we receive your “Authorization Voucher”, or your authorization, by mail, fax or email, we’ll send a notary, along with your claims form, to your home, place of work, or business (if eligible). The notary will notarize the claim form (that requires a notary signature) and show you how to fill out any additional paperwork. The notary is an independent agent of Financial Claims Researcher. Any claims that are $1000.00 or more, require a notary signature. We’ll send the notary to you, for free, if eligible. Fill out, sign, and complete the necessary forms and provide all of the essential documents and that is it! Please note; The information that we request is the information that is needed to receive your money. We will not ask for more than what is needed, so please don't think that; by not sending some pertinent information, that was requested, you will still receive your check. Trust me, you won't.

Once your information is verified through the government agency, you’ll be approved for your funds. (The entire process, with the notary, will take less than 20 minutes). Any checks made payable will be made out to the claimant, with the exception of the 10%, finder's fee, made out to Financial Claims Researcher. Visit the "contact us" page for fax number, email, and mailing address.If you want to contact us, please call (866) 203-3751, and ask for Keith Gibson 

20) Why did you change the name of your company?

Originally, our company was started under the name of Unclaimed Solutions. After revisiting our marketing strategy, it was decided to change the name of the company to; Financial Claims Researcher, which better explains the services, that we provide.


Original Owner(s) - The name of the person or people who originally owned the money.

Claimant - Any authorized person(s) who is claiming the money. This can be the original owner, spouse, heir, beneficiary, executor, and/or relatives.

Heir - Anyone who is directly related to the original claimant, or who is legally or through bloodline, authorized as an heir. Original owner’s spouse and children have the highest priority.

Original Holder – The name of the company who initially had the money, and escheated it to the government.

Stated Address – The address where the original owner(s) once lived or did business, and was stated as the address that was on the old account