Stellar Recovery, Inc.

I'm reporting these scammers to the FTC for fair credit report act violations. Re aging debt is illegal! No contact ever made to me by these scammers. I will sue them. I'm not playing with a fraudant debt collection agengy that claims on the false reporting they are a attorney. No attorney is this stupid! I forsee a Class action in these scammers future!

I called about a letter received August. 21, 2013. They reported it to my credit report August 9 which is not 30 days that I am guaranteed. Now they refuse to take it off my credit report. They are full of it.

Review: this not my account I have no knowlegde of this accountDesired Settlement: remove it from my credit

Business

Response:

Stellar Recovery is in receipt of an inquiry by [redacted]. On 04-28-2013, our office did receive a past due [redacted] account for services at 3[redacted] in the name of [redacted], the original account number was [redacted] and was for services ending 04-09-2009. We do not show any contact has been made with the consumer. On 07-15-2013, we received notification from the Credit Reporting Agencies of a possible Fruad regarding this file, based on that alert, our administrative department closed the file, deleted the credit reporting and sent the file back to our client with a fruad flag. If this consumer has any additional questions regarding this file, she should contact [redacted] directly at [redacted] and reference the original account number.

Consumer

Response:

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,

Review: I came across a negative item on my credit report from Stellar Recovery, Inc while trying to purchase my first home. I immediately called Stellar Recovery, Inc to inquire about the negative report, to which I never recieved a phone call or letter stating that I owed anything, which I believe is a violation of the FRCA. I was told it was from an old [redacted] bill. After calling [redacted] for further information, it turns out that [redacted] sent a final bill to an old address instead of the forwarding address that was provided to them. I then called Stellar Recovery, Inc back and explained the situation. I also informed them that I was in the middle of trying to buy my first home and would gladly do a Pay for Delete agreement with them so it doesnt affect the home purchase. Unfortunately I was told by the customer service rep that they can not do that. I called [redacted] back and asked them if they could help in some way since they were the original creditor and initially made the mistake of sending the bill to the wrong address. I was told they would contact Stellar Recovery, Inc. and ask for it to be removed from my credit report. I paid the debt, however it was never deleted from my credit report, instead it was only updated as "paid". Needless to say the home purchase fell through because of it and after a liitle more digging I found numerous instances where Stellar Recovery, Inc has done "pay for delete" agreements with others. All in all I felt lied to by [redacted], lied to by Stellar Recovery, Inc. and missed out on buying a home due to no fault of my own but rather an error by [redacted] and an untruthful Stellar Recovery, Inc. and all without ever recieving a letter or phone call from either.Desired Settlement: To remove the ngative info on my credit report as a good will gesture, so that I do not miss out a second time at home ownership.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. Mr. [redacted] indicated that when he paid this account to our client, they had indicated that they would contact our office and ask for deletion of the file to the credit reporting agencies. Our records do indicate that Mr. [redacted] paid [redacted] on 08-11-2014 and spoke with one of agents and a manager regarding the deletion of the file and was told that we do not have a "pay to delete" policy which is correct. The file was paid in full and reported correctly as such to all credit reporting agencies as of 8-11-2014. We do not show that our client made any contact with our office regarding a deletion request, however, since we are not able to confirm that [redacted] made such a statement to the consumer, we have ordered deletion to the credit profile. Our deletion request confirmation is [redacted] and is dated June 15,2015. Please allow time for the credit reporting agencies to process this deletion request.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business' response. If you wish, you may update it before sending it.]

Revdex.com,

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,

Review: I RECEIVED A COLLECTION NOTICE FROM THIS COMPANY IN REFERENCE TO A BILL SUBMITTED BY [redacted]. I HAVE NO OUTSTANDING BILLS WITH [redacted], MY LAST BILLING STATEMENT WAS PAID IN FULL IN 2012. I HAVE NOT HAD SERVICES WITH CENTURY FOR OVER 18 MONTHS AND NEVER RECEIVED ANY OTHER NOTICES FROM THE COMPANY.Desired Settlement: RESOLVE BILLING STATEMENT, NO MONIES OWED TO THIS COMPANY.

Business

Response:

Stellar Recovery is in receipt of complaint filed by [redacted]. Our records do indicate that [redacted] forwarded a file to our office on 2-14-2015 for services for [redacted] at [redacted]. The file indicates that this charge was made and charged off on 9-5-2012. We do not show that we have received any correspondence from the consumer regarding this file. Based on the comments made to the Revdex.com, we have closed the file as disputed and will return this file to [redacted] with the disputed information from the consumer. Ms. [redacted] is welcome to contact [redacted] with any additional concerns regarding these charges.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business' response. If you wish, you may update it before sending it.]

Revdex.com,

I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me. I will additionally make contact with [redacted] regarding this matter. I actually had services with [redacted] in 2013 and there was no mention of any outstanding obligations when I renewed my services with [redacted] at that time and I am positive that no outstanding charges existed..

Regards,

Review: The representatives at your office were highly unprofessional in the process of me hadnling this matter. They informataion changed constantly each time that I tried to get clarification I was told that the information that I was requesting was irrelevant. This is a terrible way to do business.!!!!!!Desired Settlement: I would like to speak to a manager not a supervisor bc they were rude as well! I am trying to reach a resultion to this matter.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. We have reviewed this file, we have spoken with both the consumer and her representative, [redacted] regarding a past due debt that was purchased by our Company from First Third Bank identified as a Demand Deposit Account. It appears that Ms. [redacted] and her representative were offering a settlment amount to close out this file. There also seemed to be some confusion as to whether this was originally a loan or a Demand Deposit account with the original Creditor. We believe that the amount being offered was lower than the Owner of the debt was willing to accept. Ms. [redacted] indicated that she was in the collection industry and had a clear understanding of "how things work." We have placed this file on hold and would suggest that Ms. [redacted] make an offer of settlement directly to our compliance department for review. She can send this offer to [redacted] . She is also welcome to phone [redacted] with any questions in the future at ###-###-####, ext [redacted]

Review: I have been contacted multiple times by this agency...they are calling for a woman named [redacted]....we don't know her, she does not live her...I have spoken with management many times explaining this and telling them not to call here anymore...I still recieve calls....They leave messages for her on the answering maching...the last time they called, I pressed one as usual to speak to them, this time I said I was the person they were calling and they gave me all of her information....the bill is with comcast and is for 188.79..all I had to do to get this information was say I was her and guessed the yes or no question as to a past address....this information was given to me without any way of actually proving who I was....IE I would think a Social security number would be required for proof of identification...I requested a supervisor and explained again...that I don't want any calls for her at my number...and told him how easy it was to get info from his staff...the man was extremely rude, very rude...I talked to a steve who was supposedly a manger or supervisor.Desired Settlement: not sure....would like to see them pay a monetary punishment....Would deffinately like this affect their rating with your Revdex.com....if you read the customer reviews on your site, you would find that this behavior from them happens constantly. This company certainly does not deserve an A rating through the Revdex.com....in fact if this rating stays it is a terrible reflection on your Revdex.com.

Business

Response:

Stellar Recovery is in receipt of an inquiry made by [redacted]. on 05-11-2013, Stellar did receive a file in the name of a [redacted] with a phone number associated with the file of ###-###-####. Our records indiate that we phoned the number one time on 06-19-2013 at 2:59 and the number was ultimately removed as a bad number during tht call. We do not believe it was Stellar making any previous calls on this file, there are simply no recordings that we ever made a call to that number until today. Ms. [redacted] indicated that, when one of our agents attempted to make sure we were talking to the correct consumer, she said yes to the questions as to name and address verification that we do in compliance with requirments made under the Fair Debt Collection Practices Act. In order to attempt to make sure we are talking with the correct consumer, we get verification of name and address before we relieve the nature of our collection call. The agent was completely in compliance with all protection laws on verifcation procedures under Federal Statutes. [redacted] indeed may have gotten other calls to her number, but it was not from Stellar Recovery and we properly removed the number when [redacted] recanted his identity verifcation and told a manager that the number was a wrong number. We have also put the phone number into our do not call list in the case that the phone number appears in our data base in the future.

Consumer

Response:

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,

Funny how the name of the woman in the response was not the name I used in the complaint...and the date was for may the calls I recieved were from June...which means they have been calling my number for times other than the one in my complaint...This response only makes the situation worse...So they are calling my number for at least 2 women who do not live, not we even know...I want the calls to stop and their Revdex.com status should reflect this practise. Check the complaints about this company on your Revdex.com site and you will see that this is a common practise with this firm...I am not the only individual with this issue.

Business

Response:

Stellar Recovery called the number ###-###-#### one time, according to our records, the number was asssociated with a consumer named [redacted], the phone number was removed. We are showing no other history of this phone number being assoicated with any other file in our office. We still believe the calls came from some other entitiy other than Stellar Recovery. We also contend that we removed the phone number once we were informed it was a wrong number.

Review: September 29, 2013Stellar Recovery, Inc. and affiliates[redacted]Reference: [redacted]Whom It May Concern:This is to notify you that the phone call from your organization, Stellar Recovery, Inc. regarding a debt from Shop NBC has expired many, many years ago under the statutes of limitations. This is a Zombie Debt and if you continue to harass me, I will take appropriate actions against you under the Fair Debt Collections Practices Act and report you to the Revdex.com, the Office of the Attorney General from your state, the Federal Trade Commission, and sue you.[redacted]Desired Settlement: Statutes of limitations have expired MANY years ago and do not wish to be harassed by Stellar Recovery and affiliates ever again.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. On 05-06-2013, our office did receive a "aged" file in the name of [redacted]. This debt was charged off in 2005 and was originally a "Shop NBC" account. These aged files are not reported to the Credit reporting agencies as the Statute of Limitations has expired, however, under the FDCPA debt buyers and their agencies can still attempt collection efforts but no legal action can be taken on the files. Stellar Recovery attempts to make a contact with these consumers to see if they would pay the files, if they decline, the accounts are closed and returned to the debt buyer. We spoke with this consumer on 09-26-2013 and he indicated that he would not pay this account, the file was closed and returned to the client based on this conversation.

Review: [redacted] RECEIVED FULL PAYMENT AND EQUIPMENT ON JANUARY 18 BY CERTIFIED MAIL. *.[redacted] SIGNED FOR THE PACKAGE.

ABOUT A WEEK AGO, STELLAR STARTED HARRASSING ME. I HAVE REPEATEDLY TRIED TO FAX THEM THE PROOF AND HAVE TOLD

THEM I HAVE PROOF OF DELIVERY, YET THEY DO NOT HAVE A FUNCTIONING FAX MACHINE. I HAVE REPEATEDLY ASKED TO SPEAK

WITH THE CEO AND ALSO THE MANAGER, AND THEY REFUSE. THEY HAVE THREATENED TO RUIN MY CREDIT AND CAUSE OTHER

HARDSHIPS TO ME DESPITE THE FACT THAT I AM DESPERATELY TRYING TO PROVE THAT [redacted] HAS EVERYTHING!! I WOULD

LIKE TO SEND THIS PROOF OF R.[redacted]'S SIGNATURE TO [redacted], AND I WAS PROMISED CONTACT BY [redacted], BUT

HE HAS NEVER CONTACTED ME. I AM SICK OF DEALING WITH THIS!!

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received, your complaint will be closed Administratively Resolved]

Revdex.com,

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.

Your form would not allow me to type anything. You notice that

Stellar Recovery does not admit to receiving PROOF that the

[redacted] facility received everything??? Later in the day I was

able to get several faxed pages to them PROVING that [redacted]

received the package. I faxed the USPS signature for receipt of

the package by *. [redacted] on January 18.

[To assist us in bringing this matter to a close, we would like to know your view on the matter.]

Regards,

Business

Response:

Stellar Recovery has received a complaint filed by J. [redacted]. On 12-20-2013, our office did receive a past due billing from [redacted] in the name of [redacted] for services at [redacted]. Our records indicate that we first spoke with the consumer regarding this file on 03-10-2014, and the consumer indicated that she disputes the balance and said she has paid this file in full, returned the equipment and has a receipt from [redacted]. She further indicated to our agent that she would fax over the information. We spoke later with the consumer and she indicated our fax was "not working", she spoke with one of our senior managers and he indicated that he would close the file as disputed and forward her information to [redacted], which he did. Once the file was closed as disputed, the credit reporting would be requested to be deleted to all credit reporting agencies. At 1:39 pm, we did receive a fax from the consumer (all Caps) that sd she is disputing and that she had sent the equipment to a [redacted] facility months ago and gave tracking information, this was also forwarded to [redacted]. Later we received another fax (All Caps) that just said "STOP HARRASSING ME." The file was properly closed as disputed when Stellar was notified and we attempted to assure the consumer that we have done everything we can to assist her on this file, she just continued to be difficult. She indicated that she was waiting for a call from [redacted], we beleive this individual is a [redacted] Representative, not a Stellar employee. The file has been returned to [redacted] and she can continue to contact them regarding this file.

Business

Response:

Stellar Recovery did state that we received the faxes from this consumer. We will forward these to [redacted], as we said, we have closed the file and returned it to [redacted] will need to verify the information for this consumer and close the file on their end.

Review: Stellar Recovery [redacted] RE:Collection for [redacted] in the amount of $705.00

I am filing this complaint because this is a zombie debt that Stellar Recovery is trying to collect on and re-age. I have never been a customer for [redacted]. I have disputed this debt three times since approximately 2007-2008. Each time the different collections company could not furnish documentation proving this is my debt. It cant be. I never had [redacted]. Stellar Recovery has listed this alleged debt on my credit report as a June 2014 as first defaulted payment. This is a false reporting. And it is effecting my credit rating which will effect by career in law enforcement.

Please ask Stellar Recovery to provide me and you with the following:

A copy of the original contract between myself and the [redacted] for services;

A copy of the original contract between Stellar Recovery and the [redacted] verifying that you are authorized to collect the alleged debt;

Detailed description on what the money you say I owe is for;

Explain and show me how you calculated what you say I owe;

Provide me with copies of any papers that show I agreed to pay what you say I owe;

Provide a verification or copy of any judgment if applicable;

Identify the original creditor;

Prove the Statute of Limitations has not expired on this account;

Show me that you are licensed to collect in my state of Hawaii;

Provide me with your license numbers and Registered Agent.

Thank you for your help in this matterDesired Settlement: Stellar Recovery should remove this alleged debt from my credit report immediately from all 3 credit bureaus. As well as seize all attempts to collect and to not sell this debt to another collection agency.

As I mentioned this is effecting my credit which effects my livelihood as a law enforcement officer. Stellar Recovery should be investigated for breaking the law and reprimanded for such actions. This is an unjust business practice that can not be tolerated. It effects peoples lives!!!

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. On 06-17-2014, our office received a complaint filed with the CFPB regarding the same issues as expressed in this Revdex.com complaint. We had no contact with Mr. Cantiberos prior to receiving this complaint and investigated his concern. We also received an e mail on 06-17 thanking us for responding to his concern with the CFPB. We responded to the e mail on 06-18 and indicated that we had closed the file, deleted the credit reporting and also e mailed him a copy of the closure letter that was mailed on todays date. We received a response from Mr. Cantiberos that indicated "thank you very much for your timely response and swift investigation, ask us to disregard a letter of validation that he also sent to our office, " We believe we have respnded to his concerns and closed the file and deleted the credit reporting. We also forwarded information on possible fraud associated with this file from [redacted] for his review.

Review: I paid the company 130$ and I was promised a receipt by mail which I never received. I was also promised boxes to be sent to my address. Instead of receiving boxes I am now told that I am being further reported because I still owe money for the equipment and that I still have to wait for boxes. Even though the boxes haven't been sent and it's been a month, they are reporting me further. I was given incorrect and misleading information from this company. I asked a supervisor for an email to make a formal complaint and she would not provide me any means of formally complaining. She tried to give me a fax number to the Montana office where my information would could be out in the open to all at the office. She would not give me a phone number or email for anyone else.Desired Settlement: I would like the boxes sent to me and no marks on my credit. Any marks against my credit from stellar recovery need to be removed. I would also like a receipt mailed to me.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. Ms. [redacted] sent our compliance department an email on Friday March 20th with her concerns. [redacted], the Chief Compliance Officer reviewed the file and called this consumer yesterday. It has been verfied that the boxes have been ordered from [redacted] for the consumer, it often doesn take 30-45 days for these to be processed by our client. Mr. [redacted] also delted the credit report for the equipment for the consumer and e mailed a receipt letter for the payment that was made for the Services on this file. Ms. [redacted] was instructed to, once the boes arrive to ship the equipment to [redacted] and notify our office when completed. In the interim, we have put the file on hold and will not report the file to the credit reporting agencies.

Review: I have no contractual obligation with this company, and no intent exists to do business with them. They are attempting to use an obvious error on their alleged client, using false, misleading and deceptive attempts to collect an alleged debt (which is a violation of Federal Law).

They were unable to supply validation of the debt or their ownership. Stellar Recovery, Inc. also made reports to the 3 Credit reporting agencies of the alleged debt despite no validation with a wrong date as to make it seem more recent.

My records indicate all accounts with their alleged client, past and present, have and are in good standing (Paid and paying on as agreed)Desired Settlement: Cease and desist all collection activity, including any credit bureau reporting and delete that which they have erroneously reported already

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. Our records indicate that on 11-19-2014, we received a Past Due billing from Comcast for a [redacted] (SS # ending in [redacted]) for services at [redacted]. We show that a demand letter was sent on 11-21-2014 to the address provided by our client, which was [redacted]. We also show that we spoke with a [redacted] on 11-21-2014, the agent noted that the consumer was "difficult, cutting off agent, cursed and Hung up." The agent removed the phone number called and restricted calls to the consumer. We consider the notification to the Revdex.com as a written demand for validation of this debt. We have ordered and received the validation which includes invoices from Comcast dated 10-13-2013, 10-02-2013, 09-02-2013 and 07-02-2013. We have forwarded these documents to address provided to the Revdex.com of [redacted]. The consumer is welcome to review these documents and contact Comcast in the future, per the Revdex.com complaint, we have closed this file as "Cease and Desist". Credit reporting has been ordered to be deleted during the validation period. Again, we have sent validation documents for the file, we have closed the file as Cease and Desist , we have ordered deletion of the credit reporting and we returned the file to Comcast as we can no longer contact the consumer per his request.

Review: I discovered on my credit report that Stellar shows a collection of $395 for Dish Networks. I have never heard from this company by mail ( which I would have thought they could have sent a notice).

A few years ago I had a satellite modem ONLY from the company of WILD BLUE which had satellite services for the Internet. I have NEVER had any TV service from Dish Networks....only this SATELLITE MODEM!! When I cancelled my account after a few years, I returned the modem to Dish Networks in Englewood Colorado.

I see that other people have had problems with Stellar in regards to Dish Networks. The ONLY equipment I had was that satellite modem and it was returned. Not only that, it was returned in their own box!!Desired Settlement: I would appreciate this being removed from my credit report as I returned that modem years ago.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. Our records do show that a file from Dish Network was placed in our office on 9-8-2014 from Dish Network, the address of [redacted] was given as the address of record. We do show that a letter was sent out on 01-04-2015 and 02-24-2015 to the address on this file. We also show that phone contact was attempted to [redacted], but were informed on 4-23-2015 that this was a wrong number being called and it was removed from our system. Stellar Recovery has requested validation documents for this file from Dish Network. We will attempt to retrieve these documents within 30 days and forward them to the consumer for review, if documents are not available, we will also send out a letter of closure and return on the file. All Credit reporting has been ordered deleted during the validation period.

I was just called by this company for the first time by [redacted] who was asking for my mailing address and for me to verify my name. I didn't understand where she was calling from so I asked her to repeat the company name, she told me the company name then gave me part of "my" mailing address and asked if this was where I was receiving mail. I was confused because I never told her I was the person she was calling for.
I didn't understand why she was calling so I asked and she told me she wouldn't tell me why she was calling me until I verified my address.
I explained to her that I wasnt going to give my address out without an explanation. She then told me she had my social and could give me that instead, I said "ok" (just to see if she would give me my whole social security number) and she proceded to give me my full social while already had given me part of my address!
I was almost speechless! I could not believe that this woman was giving out my personal Information when I had never even verified who I was! I asked to speak to her supervisor and she hung up on me!

Review: I recieved a collection notice in August 2013 from Stellar Recovery, which they had listed Crown Asset Managment(another collection agency), as the original creditor. On 08/20/2013, I sent Stellar Recovery a debt validation letter, I sent the letter USPS certified letter. As of 09/22/2013, I have not recieved validation of this debt from Stellar Recovery, but they began reporting this collection to credit bureaus around 09/17/2013.Desired Settlement: I want this debt validated with original creditor, like it was suppose to be, and removed from all credit reporting agencies.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. On 08-09-2013, our office did receive a past due billing in the name of [redacted]. The original Creditor we are showing is [redacted] and the current creditor is a debt buyer by the name of [redacted]. We did send a valdation Demand letter to the consumer on 8-09-2013. Mr. [redacted] indicates that he sent a validation request via USPS certified mail on 08-20-2013. Our administravtive department has not indicated that this letter was received. Based on the request notification provided by the Revdex.com, we have placed this file in validation status and have ordered the validation documents from the creditor. During ths period, under the the FDPA, collection is suspended and credit reporting has been ordered to be deleted. If validation documents are received, we will forward them to Mr. [redacted], if documents are not available, the file will be closed and returned to the current creditor. If Mr. [redacted] has any additional questions, he is welcome to call our office at ###-###-####.

Consumer

Response:

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,

Review: This company has left several messages on my work line. They person they are trying to reach is not at this number. I called the number back several times to inform them that they had an incorrect number, and each time I was instructed to hold. After 20 minutes each time I finally hung up. I tried numerous times to get a hold of a real person and was put on hold again for 20 minutes before I finally hung up. These calls keep coming but I cannot reach anyone to ask them to stop. This is truly upsetting because any co-worker that picks up my line or checks the voicemail will believe that I have a collection agency calling me!!!! These people need to use humans to initiate calls so these issues can be cleared up immediately rather than continuing to harrass and slander innocent individuals!Desired Settlement: They need to revise their collection policies so real people call rather than being repeatedly harrassed with automated and inflammatory messages with no chance to correct their error!

Business

Response:

Stellar Recovery is in receipt of a complaint filed [redacted]. Ms. [redacted] indicates that Stellar Recovery has been calling her work line, the phone number of ###-###-#### was located in our system and has been removed. We apologize for the calls but the number has now been removed. We do not know why Ms. [redacted] would be put on hold for long periods of time for removal of a wrong number, we have a staff of over 100 agents that take inbound and outbound calls during the day and we do remove hundreds of wrong numbers everyday. Once again we apologize for the calls and there should be no further contact on the phone number of ###-###-####. If calls persist, Ms. [redacted] is welcome to call my personal extension at ###-###-####.

Consumer

Response:

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,

Review: Stellar Recovery has posted an erroneous collection of $365 from [redacted] to my credit report ([redacted]) on July 24, 2014 placed for collection on 6/20/14. I have never had a [redacted] account and it is not available at my residence address where I have lived since 2010--I have [redacted]. How is it that this company can lower my credit score with no proof of any debt owed? This has happened once before (about 4 years ago) and the SS number was not a match nor was the name the same as mine, yet it lowered my credit score? There is only a partial account number on my credit report--[redacted] so I don't know how this could be reported as a good debt.Desired Settlement: I want proof of this debt which isn't possible, and I want the negative "in collection" information removed from my credit report.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted] S [redacted]. We have attempted to research and locate the file in our office that is reporting on Ms. [redacted]'s credit profile. Based on the information received from Ms. [redacted], we have been unable to locate the file. We would like to be able to continue our investigation but would need Ms. [redacted] to give our office a call to obtain further information in order to locate the file and verify information provided in order for us to assist her in making this correction if necessary. She can call [redacted], the chief compliance officer at ###-###-####, ext [redacted]. We believe this may have been an error by the credit reporting agencies based on information supplied on the questioned file in our office. We do not show any files under the name of [redacted]. We apologize for this and would be happy to continue our investigation when Ms. [redacted] phones our office.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business' response. If you wish, you may update it before sending it.]

Revdex.com,

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,

Manual Removal #[redacted] of erroneous collections

Belongs to [redacted]

Review: Stellar Recovery has listed a collection of $40 on my credit report. I would have never known about this collection if it wasn't for Free Credit Report's monthly service. According to my credit report, the collection, which originated with [redacted] was opened on 2/12/2015. The report date to the credit bureaus is 2/14/2015. The last time I had an account with [redacted] was in 2010. That account was closed and paid in full when we moved to North Carolina. We never received any notices in the mail from [redacted] regarding any further bills. This claim is fraudulent. Stellar Recovery has not contacted me to request payment at any point, nor did I receive a letter stating my right to dispute this claim within 30 days. I called Stellar Recovery multiple times today, and the customer service was extremely rude and condescending. They admit to not attempting to contact me but refuse to delete this from my credit report. This Collection agency is representing [redacted]. When I cancelled my service when we moved in 2010, I returned all equipment and requested a final bill from [redacted], which they failed to provide. Stellar placed this collection in my credit report without providing a letter to me, AS REQUIRED BY LAW, indicating the charges and explaining my consumer rights. I am happy to pay any balance I may owe, however, I would like a detailed bill in addition to a letter from the collection agency (as required by law). I would like this to be removed from my credit report immediately as my rights as a consumer have clearly been violated.Desired Settlement: I would like a detailed bill as well in addition to an appropriate letter from the collection agency explaining this $40 delinquent account. I also wish that this be removed from my credit report, effective immediately ,as my consumer rights have been violated by Stellar Recovery.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. Our records do indicate that on 12-03-2014, we received a past due billing from [redacted] for an [redacted] for services at [redacted] in the amount of $40.37. We do show that contact was attempted by telephone numbers given to Stellar by [redacted]. Our records further indicate that yesterday, 03-03-2015, there were several conversations between Agents with Stellar and the consumer and [redacted] who stated he was the spouse. During the earlier calls made, it appears [redacted] paid the account in full. Later, our agents were informed that [redacted] had paid the bill directly to [redacted] and demanded a refund for the payment made to Stellar. [redacted] also spoke with different agents and demanded that this be taken off the credit reporting for [redacted], said he would report to the Revdex.com, and threatened to have his attorney get involved. Our agents, according to the notes, indicated that we or [redacted] would refund one of the payments after verification was made of multiple payments made on the account. Agents with Stellar also indicated that the credit reporting would be updated as paid in full, but not deleted, which is our standard policy with [redacted] accounts. We will continue to monitor with [redacted] if multiple payments have been made and will have [redacted] refund any payment back to the consumer. In order to respect the consumer, we have also ordered deletion of the credit reporting for this file, confirmation for the deletion request is [redacted]. We have requested copies of all calls made yesterday and will review them with the agents involved to see if any actions by our agents were questionable in the handling of this file. The file is paid in full and deletion of the credit reporting has been ordered.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business' response. If you wish, you may update it before sending it.]

Revdex.com,

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 it is deleted from my credit report as this company was unethical with the manner in which they proceeded.

Regards,

Review: This company somehow attained a copy of my information somehow and old accounts that have long since been closed and is systematically going through it and claiming that KNOWN CLOSED and settled accounts are still open for nominal amounts (in my case Century Link for $100) but there have been others in the past.

Operating out of their Florida location and others out of Montana as a way to get around the ongoing lawsuit in Montana, when contacted on the phone for a request to send the documentation they have that they are basing their credit entry on, the customer service agent abruptly hangs up and any attempts to call back go to a voice mailbox that is not monitored. This sets up a situation where unsuspecting callers either PAY or are systematically blocked.

I am aware of the lawsuit against this organization that was awarded last year, however it appears they are continuing to prey on unsuspecting consumers. If I wasn't so on top of my credit I might have paid this over the phone and they would have stolen money from me. However, I did not as I KNOW that my account is closed and they cannot produce any evidence that shows otherwise.

This organization is a sham, a scam and is illegally reporting items to credit agencies.Desired Settlement: This agency needs to be IMMEDIATELY COMPELLED to remove their negative credit reporting on me as they have nothing of empirical value that shows I am responsible for the debt they say I am. I am in close contact with Century Link who report that I have a zero balance.

This organization needs to ANSWER THEIR PHONE and allow consumers to advocate for their cause.

I wish to be added to any and all ongoing lawsuits against this organization as their fraudulent credit reporting tactics have damaged my credit and violated my civil rights.

This business is COMPLETELY FRAUDULENT and when it is not being prosecuted in Montana it is shifting it's underhanded and violating tactics down to Florida Shut them down, in Montana AND Florida! Put the people behind this fraudulent activity in prison!

Review: My complaint involves a 20 or so dollar charge under my maiden name [redacted]. They sent me a bill for something from [redacted] YEARS ago, and when I tried to pay it they said the account number on that was listed on the bill was not valid. I attempted to pay this bill and was not allowed to. They then put a hard credit inquiry onto my credit report and I am VERY upset about this. They had no right, especially after repeated attempts from me to pay this bill.Desired Settlement: Remove the credit check from my history and get rid of the bill. I tried to pay, you wouldn't let me. If not resolved I will also be going to the attorney general.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. We have been unable to locate a file in the name of [redacted] as indicated by Ms. [redacted], we have never done collection work for [redacted]. At the end of April, in cooperation with [redacted] Credit Repoting, we ran a collection Data Report that included appoximately 400,000 accounts in our system. The information obtained by [redacted] was suppose to be a "soft inquiry", however, [redacted], in error, ran a "hard inquiry." They are currently in the process of correcting this "hard inquiry" and if a credit report was added, it will be taken off her credit report. If Ms. [redacted] has any additional questions, she can contact me at ###-###-####, ext 120 or e mail me a[redacted]