Certified Recovery, Inc. Reviews (10)
Certified Recovery, Inc. Rating
Description: Collection Agencies, Collection Agencies (NAICS: 561440)
Address: 1280 W Clairemont Ave Ste 1, Eau Claire, Wisconsin, United States, 54701
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I have reviewed the alleged complaint from [redacted]. In May of 2014 [redacted] sent a written dispute to Certified Recovery, Inc. We validated the debt on May 28, 2014. I have attached a Transunion Account Reporting Review form dated December 31, 2014. It shows that Certified...
Recovery, Inc. is not reporting any tradelines on [redacted]'s credit report. Please let me know if you have any questions. Thank you. [redacted]
I am not referring to the reporting date. I am referring to the date of last activity. I have not made any payments or had any interaction with this company therefore there should not be an activity date of 4/15.
Review: I was not mailed a bill for a 15 month period. When I did recieve a bill and called to resolve it I was called names such as irresponsible, and told I was a rude customer to my Dr because I hadn't paid yet and was berated when I stated I would not pay that day over the phone. I then told them I had an insurance issue and had forgotten about the bill and asked her if she had ever forgotten about something after not getting a bill for well over a year. She told me I was a terrible person for letting my bill go this long. I then informed them I would be not speaking with their company again and would handle the issue with my doctor's office. I hung up and immediately called my doctor's office and offered to pay them. They called Certified Recovery and got the amount I owed. I paid the doctor's office and apologize. The doctor's office sent a fax with my payment to Certified Recovery. Over 3 months later I got another bill from Certified Recovery stating the amount was still due and I needed to pay immediately. I called them and my doctor's office again. The insurance clerk at the doctor's office stated that she had faxed and called them several times about the issue. I called the collection agent Sonya's supervisor to complain about the berating tone and names. My doctor stated they were still having issues with Certified Recovery and no longer used them.Desired Settlement: Billing needs to be done in a timely fashion. By the time I resolved my insurace injury inquiry, they quit sending bills. However, the most important issue that needs attention is they way their agent was allowed to speak to me. Either they need more training, a more respectful script to follow, or more monitoring of this agent to prevent the berating, belittling, and name calling I was subjected to due to their lack of reasonable billing cycle for older debts. I knew as soon as I got the letter after 15 months that I needed to pay this bill. I did not need to be shamed and bullied into paying. Their excuse was that they tried to call me but didn't leave a message. With all the phone scams we are advised NOT to return calls to unfamiliar numbers. Even after all of this happening in August of 2013, I received another past due bill from them in October! I have yet to recieve any receipt or paperwork from them stating it was resolved. I finally called today to ask if it was resolved before writing this complaint. I want the delay of their billing to be reflected in any credit reporting they have made. Thank you.
Business
Response:
I have reviewed the alleged complaint from the consumer. In November of 2011 my client turned the consumer over to our office for collection in the amount of $116.31.
She was mailed a Bad Debt Verification out the date of listing which was November 16, 2011. Several messages were left with no return phone call. The collector then followed with collection letters. In August of 2013 the consumer stated that she does not work during the summer time and therefore unable to pay her bill. She stated is able to pay in September and will call our client regarding this. She then hung up the phone. She did call back several time that day and explained that she gave the client a Post Dated Check for September 5, 2013 for the balance on the account.
Our office sent in several client requests to our client trying to verify the balance due. We did not get a response from our client on three differenct occassions. The consumer did call our office again on October 15, 2013 wondering why we still showed a balance owing on the account. My manager called the client and on October 18, 2013 they reported to us that the consumers account was paid in full.
Since I am uncertain on when the payment was actually made I deleted this trade from the consumers credit report on March 4, 2014. Her record should be updated in about 10 business days. I am also mailing the consumer a copy of a statement showing that the account is paid in full along wth a copy of the UDF that the item has been deleted.
Review: Recently I was made aware of a negative account on my credit report. The account is with Certified Recovery, which I have disputed several times as there is no amount due to them. I have provided proof that the account was paid in full several times yet it remains on my credit report. This affects my credit score negatively.Desired Settlement: I request that the account not be reported negatively rather it be corrected to show as not delinquent and paid in full as there was never an amount due to them from me.
Business
Response:
I have reviewed the alleged complaint from [redacted]. In May of 2014 [redacted] sent a written dispute to Certified Recovery, Inc. We validated the debt on May 28, 2014. I have attached a Transunion Account Reporting Review form dated December 31, 2014. It shows that Certified Recovery, Inc. is not reporting any tradelines on [redacted]'s credit report. Please let me know if you have any questions. Thank you. [redacted]
Consumer
Response:
Review: Certified Recovery is reporting that the last date of activity on this account was 4/2/15 which is in error and is a violation of the CFPB. Please have this account deleted because of their error and violation of law. It is making such a dramatic impact on my credit report that we are no longer approved for our first home loan.Desired Settlement: To have the account deleted.
Business
Response:
I have reviewed the alleged complaint from [redacted]. Certified Recovery, Inc reports all eligible records to [redacted] on a monthly basis. I did perform an Account Reporting Review on [redacted] and I have attached it to this e-mail. I downloaded all records on April 2, 2015 and electronically sent the file to [redacted].
Review: During the week of July 1st I receive a bill in the mail from this collection agency. At this time I called the number that was listed and spoke to Emily. She told me that there was a whole bunch of bills that were turned over to her from my daughter's surgery, emergency room visits, eyes check ups and what not. At this time I pulled out all my billing receipts that showed that I had all of this paid in full and was at a $0 balance. She argued with me and argued with me. She was insistent that that they hospital and my doctor had turned all of this over to collections. At this time I called the billing department at Aurora and they told me that in fact I was at a $0 balance except for a new charge from the most recent appointment and that was not turned over to collections. Certified Recovery claims that they had been sending me statements time and time again and I was not responding to them. That simply is not true! I NEVER seen anything like this until this past week and I addressed it right away (you can check my call logs). The Aurora billing department told me not to pay anything because it was already paid. I even have a debit card receipt. Well after I told Emily this she was extremely mad, still insisting that I owed them money. She told me that my eye daughter eye doctor had turned this over to collection on the 8th of this month. They told me no such thing ever happened. I just received a bill in the mail for her last appointment and it is not even past due. I about $50.00 and I sent out a check to pay it. Certified Recovery is claiming that I owe THEM that money. Last night, on the 8th, I scanned in and emailed all my Paid In Full bills and now this morning they are coming up with a different story. She told me that her and her manager said that I owned money from something else now. She called me right at work twice. I took this call outside and told her that I was advised by Aurora not to pay this because is it not owed. At this time she started to get snippy with me and said she was going to get her manager. This company NEVER sent me anything on this until last week. I NEVER heard of anything of the such. In February, I paid off all of my doctors bills. Everything is itemized out on these bills. She was claiming that I owed for anesthetic. If you look at my bill, you can clearly see that it was all paid in full. I told them I was advised not to pay this and was going to and not to call me again. Aurora bill told me to tell them that. She started to yell at me and I told her I was at work and if he kept calling me I was going to go down to the police station. And I mean it. Then she proceeded to tell me that she was now going to be taking legal action against me. I don't need this type of harassment, especially when I have paperwork showing I paid it in full. I am not dealing with this company. They totally lied. Again, I was NEVER contacted by them, nor did they ever send anything out to me saying that I was in collections. This is 3rd day that they harassed me during work hours. I simply am not dealing with these people. I have all the paperwork showing what I paid in addition to my NEW bill showing what I owe.Desired Settlement: Being that all areas of Aurora claim that this never existed and I have my paperwork. I have proven that I do not owe this money. They advised me that they are reporting this negative activity to all the credit agencies, in addition to taking legal action. I am trying to rebuild my credit after a Bankruptcy from a job loss and I have been doing a good job so far and now they are pulling this on me. Any documentation you need from me, I can certainly supply. They need to drop these claims because Aurora as well as myself know they are untrue. I will not have someone call me a lair.
Business
Response:
Sonya with Certified Recovery Inc out of Eau Claire, WI was the rudest person I have ever dealt with in customer service. She was harassing me about why I didn't pay something and then pretty much made fun of me. I could not believe how nasty she was. No one likes having something go into collections and then to have to deal with someone like this is just pouring salt in the wound. I can't believe she's able to keep her job! NOT impressed!
I'd like to say that my experience with CRI mirrors almost word for word the three above. The specialist I spoke with was [redacted] and I believe his superior was [redacted] ... I was belittled, talked over, YELLED at, told that I was irresponsible, that my husband's doctor bills were more important than groceries or house payments.
This was in November of 2014, less than a month after I'd sent a $100 payment.
I told the manager that I wanted only to be contacted by US Mail and I have not received a billing statement since November.
On that last call I am almost positive that our balance was 102.00; [redacted] called today and said that there was an outstanding balance of $200.
I called today and left a message asking for paperwork on our account - I wait with bated breath for response.
I can't believe that a company with this type of reputation is allowed to continue to conduct themselves in this manner.
Also, why are they licensed out of Minnesota?
Conveniently, the return letter from Certified Recovery is missing information.
"[redacted] got upset and [redacted] terminated the phone conversation. [redacted] left several voicemails within five minutes. One stated she did not like the letter and the other one stated she was not going to deal with us and said “Have a good day sweetie” and hung up the phone"
I got irritated with the unprofessionalism of [redacted]. I should not be berated for not being to pay a bill at a current time, and I did explain that I would try to get money to them. I basically told that it wasn't her problem that I couldn't pay the bill at the time, but it WAS her concern that I hadn't paid a bill from 2010. I do not feel I should have to explain myself to someone who is going to disrespect me over the phone.
"She stated she was unable to pay the bill since she did not have any money. He stated she would have to make some sort of attempt or her account may be reviewed for further action. She agreed to make a payment to our office in August. "
I worked a seasonal job over the summer, which I did explain to [redacted] in my most recent call, because of the hard winter and the excessive rain, I didn't make nearly as much money as I had expected. Yes, the fact that I didn't make any money is only a little their problem, being that I can't pay them.
"On September 25, 2013 our office mailed a Final Notice to [redacted]. She has 15 business days from the date of the letter to pay the account prior to it going to the Attorney."
I find it convenient that I was sent a Final Notice two days after I tried to pay a little on my bill, which was DENIED because I refused to set up a payment plan. I explained that the season was almost over and I would no longer have a weekly income in which to PAY them. They refused the money, and "politely" forwarded to the manager's voicemail. I called back, asking to please have the manager's direct number, then I was curtly forwarded to his number instead. I left a pretty irate message stating that they're hounding me for money, yet the refuse to take any that I'm giving.
"[redacted] did call our office on September 30, 2013 and tried to arrange a payment plan. Andy explained that once the Final Notice goes out and the client signs the authorization the account proceeds to the Attorney after 15 business days. She stated she was going to call yesterday and apply $150.00 towards the account but she did not call back."
[redacted] did not call back because [redacted] has found another outlet to deal with the payment.
I would MUCH rather the conversations that "may be recorded for quality assurance" be played over some bogus attempts to avoid responsibility for poor customer service.