Stellar Recovery, Inc.

Review: On the morning of 4/24/2015 I decided to check my credit on Credit Karma. I was shocked to see that my credit report contained a collection account from Stellar Recovery for the amount of $122 as this was the first time I had been made aware of the outstanding debt. Stellar Recovery, Inc never once made contact with me through US mail, not even a single phone call. The status of the collection account on my report reads "open" with an open date of Feb 14, 2015. Had I not logged onto Credit Karma, I would have never known that this debt even existed. I contacted Stellar immediately and spoke with a representative. I told her that I would need to contact Centurylink before paying anything as I did not realize that there was a balance on my account at the time it closed. She informed me that "Centurylink has nothing to do with this account anymore and that Centurylink does not have record of it", I also asked her what account # to use in reference to this debt and did not receive an answer. The REAL problem here is that I was not informed of the debt before they reported it to the credit bureaus.Desired Settlement: I would like this business to delete the collection account from all credit accounts as I was not informed of the debt before they reported to the credit bureaus.

Business

Response:

Stellar Recovery has received a complaint filed by [redacted]. Our records do show that a file was placed in our office on 2-14-2015 for a [redacted] from Century Link for services. The address provided by the client was incomplete (Street address shows only [redacted]) and a letter was not generated due to an incomplete address. On Friday, April 24th, we did receive an E mail inquiry from this consumer and she indicated that she had not been notified of this debt and thought that was a violation and was told by an agent that the original creditor no longer has the file. Our adminstrative staff did update the E mail address for this file and ordered validation documents from the client to be sent to the client. The file was put on validation hold on Friday and this would delete the credit reporting during this process. When validation documents are received, they will be sent to the address given in the Revdex.com complaint. If validation documents are not avialable within 30 days, the file is closed and returned to our client.

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.

Under FDCPA, you are required to send out a validation demand letter, which you clearly stated you were unable to do since the original creditor did not provide a complete address. I want this debt removed from all 3 credit reports immediately.

Regards,

Business

Response:

Stellar Recovery is in receipt of additional concerns for this consumer. As stated in the orginal response, we have deleted this entry from all credit reporting agencies.

Review: never been contacted by them but they have deeply impacted my credit score.

I signed up to get my credit score after being denyed a credit card they told me to check my credit scores so I did and seen this I am asking for solid proof of this debit I owe them listed as

STELLAR REC $472 In CollectionsDesired Settlement: I seek them to remove the negative report from my credit score and to cease further destroying my credit

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. On 01-26-2013, we did receive a past due billing from [redacted] in the name of [redacted], ss # assoicated was [redacted]. This billing was for services at [redacted]. The amount due was $471.93. We have closed this file as dispute, if Mr. [redacted] would like us to provide him with validation, he can do so in writting. Deletion of the credit reporting has been requested during the dispute process. Mr. [redacted] is welcome to call us with further information. ###-###-####. [redacted]

Review: Reported on my Credit Report with no Mail Or Phone Notice! on a balance that has been paid off And all the could say was they are a third party collection. On a account they've only had since April 2013. How can they affect my credit without contacting me and on top of it a invalid balance of 71 DollarsDesired Settlement: I dunno what compensation I desire for this But I've paid for this and took time to resolve this multiple times if the balance was more severe I would look for a more serious course of action

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. On 04-24-2013, we did receive a past due billing from [redacted] for services at [redacted], North Hollywood CA 91605. We show that we spoke with Mr. [redacted] on 06-03-2013, he had indicated to our Agent that this file had been paid and had proof of the payment. He indicated that he was going to call the client and would call back to our office. On 06-10-13, We received an Attorney General Complaint in California from Mr. [redacted], the file was put on hold and placed as a dispute. Credit reporting was deleted for this disputed account and it was sent back to our client with the information provided. We are showing that notification by mail was sent out to Mr. [redacted] on 06-04-2013 after contact was made regarding this debt. We have not been in contact with Mr. [redacted] since we spoke with him on 06-03-2013 and attempted to resolve his dispute or prior payment.

Review: on 5.20.2013 I was contacted by Mr. [redacted] from Stellar Recovery. After much discussion about a debt and haggling over what resolution we could come to, the debt collector offered a settlement in the amount of $746.86 which is 40% of the total debt of $1867.17 I was pleased with this offer and he mentioned he had to process paperwork and give him 24 hours and call back. I got the money ready to submit and called in the morning of 5.21.2013 to verify that this was ok. He stated the paperwork was in processing. He mentioned it has to be approved but that he knew it would be. It was just a matter of formality. A few hours later I got a call from Mr. [redacted] stating that the settlement offered was not "approved" and that we now owe $1213. THis is unacceptable. I demand that they honor the settlement offered.Desired Settlement: I want the settlement amount of $746.86 to be honored by this company.

Business

Response:

Stellar Recovery is in receipt of an inquiry made by [redacted]. We have investigated the claim and found that the agent indeed felt the settlement could be approved by the client based on the information provided by the consumer. The client, however, did not approve the 40% settlement and counter offered a 65% settlement. Our client relations agent did approach the client to day and expressed again the situation in this case (which includes the death of one of the consumer on this file) and personally ask for the settlement to be approved, which they did agree to acceptance of 40% or $746.86. Ms. [redacted] is welcome to call into our office, she will be routed to the agent in charge of her file, the settlement approval has been noted on her file.

Review: I was notified by my Credit Monitoring Service, that this collection agency placed a derogatory item on my credit reports. The outstanding debt is dated June 2013 in the amount if $337. I have not been contacted by this company prior to marring my credit report in clear violation of Federal Law. I have no information regarding this alleged debt nor was I given an opportunity to state so prior to them violating my rights.Desired Settlement: I would like the information that they illegally placed on my credit report removed immediately. Letter to such sent to my address to confirm said deletion.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. On 05-06-2013, our office did receive a file from a Debt Buyer, [redacted] Management for a past due billing from original creditor "Shop NBC." We had no contact with this consumer until today, 06-19-2013. The notes indicate that at 12:34 our agent talked with the consumer and Ms. [redacted] indicated that she had never lived at the address we have, she also indicated that someone broke into her home in 2006 and thought maybe somethings were taken at thiat time, the consumer was ask to send us any informtion she may have to identify this file may be fraud. They did close the file as fraud. At 2:59 toady we also received a letter from consumer claiming this was faud, and attached a police report # [redacted] and other information relative to a possible fraud. We have closed the file as fraud, returned it to the client, ordered deletion to the credit reporting agencies and forwarded all fraud documents to our client.

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 have contacted this company numerous times to dispute a debt in the amount of $78 for [redacted]. They refuse to provide me with information. This debt does not belong to me.Desired Settlement: For communication to cease and removal from all 3 credit bureaus.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. On 10-23-2012, Stellar did receive a [redacted] file in the name of [redacted]. This was for services provided at 1[redacted]. It had a billing address attached of [redacted]. The ss # attached ended in [redacted]. The charge off date for this file was 07-23-2012. In review of the file history, we do show that we attempted to call ###-###-#### 9 times. We do not show any contact made with [redacted] or being advised of a dispute by mail or direct communication. Based on the Revdex.com complaint, we have closed the file as disputed and returned to [redacted] with information provided. We have also notified the Credit Reporting Agencies to delete all information on Reports, this was done by AUD deletion, confirmation number is [redacted].

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.

Review: I need a invoice mailed to my postal address so that the chairity organization will pay the balance of $269 comcast bill with stellar collections. I tried with bob peterson. He said he can't mail to st vincent depaul and re requesting home address devliery of the bill. thank youDesired Settlement: receive the invoice & st vincent to pay bill in full, have negative info removed from credit report. Thank you

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. On 04-14-2014, our office did receive a past due Comcast file in our office for servies at [redacted]. Beginning on 8-21-2014, our office received an e mail requesting a placement letter regarding this file, we have attempted to respond and have sent a placement letter to his e mail address on 8-21 and have mailed the hard copy to the address we have on file. On 09-02-2014, I received another e mail saying that he had received the letter, but lost it and requested we send a letter to [redacted] but didnt provide any address to so. I again responded to his e mail and indicated that we were unable to send the letter to a third party, even if we had an address provided. and we again attempted to send a placement letter to his e mail address and also sent the hard copy to his mailing address on file, once again. We have tried to explain to [redacted] that once this file is paid, it will be reported as paid in full to the credit reporting agencies. We have enclosed another placement letter with this complaint. It will be the responsibility of the consumer to give this letter to a third party, we will not provide the letter to anyone except the consumer. Once again, the hard copy of todays letter, will be mailed to the consumer for his records.

Stellar Recovery keeps harassing my mother. The automated calls keep calling for my father who died 17 years ago. I have called on behalf of my mother and confirmed with the last 4 digits of my father's ss # that he is not the person they are trying to call. When I ask to speak to a supervisor/manger they hang up! They repeatedly say that my mother's telephone # has been removed but they continue to call! POOR BUSINESS PRACTICES!!! How can I stop them from harassing my 80 year old mother??!!!

Review: I recently decided to review my credit report and I noticed that there was a collection account open with Stella Recovery, Inc. I was absolutely astounded because this came out of left field and I had no idea what this was about. For someone is extremely peculiar about paying bills on time and maintaining an excellent credit report it was important for me to get to the bottom of this.

When looking at the report date on my credit it was marked as 3/2015, when this account was closed in 2014. I do not even live in that particular state anymore. I have yet to receive any statement of bill about this whatsoever nor have they tried to call me. I decided to take matters into my own hands and contact them to see what this matter was about.

If I didn't check my credit I would have never not known about it. I asked them what this was about and they said it's from a bill from [redacted] in 2014. This account was closed out and paid for in 2014 when the equipment was returned. Apparently there was a bill sent and I never received anything !!!

They proceeded to say they tried to contact me several times and once again I did not receive any contact via phone or mail. Clearly they did not contact me or try to settle this matter. The collection is from a [redacted] bill in 2014, but they are reporting it as 2015, which is something they are not suppose to do. My credit score dropped significantly because of this as it has been up on my credit as a recent collection. Once again where did this bill come from? I have no idea! I did however feel pressured to pay because I wanted this matter settled. They stated they would provide me with a receipt and bill confirmation in 48 hrs and well ? it is 48 hours and I have not received anything regarding this debt collection. I spoke with them several times and asked them to remove this from my credit report because one there is a mistake on the reporting date and 2 their failure to communicate or even try to contact me.

So that along with the open/report date is completely inaccurate along with not even trying to contact me is just wrong. Every time I try to speak with them about deleting this from my report they state they do not do that. Well from the looks of reading the reviews on the this Revdex.com it seems as though they do. They took it upon themselves to contact all 3 credit bureaus to report this but made no attempts to contact with me. How can you expect someone to pay something if you do not contact them and then proceed to put it on their credit report as if many attempts were made? When I asked to a record log of the number of attempts they tried to make to contact me they refused and stated they will not release their phone log. Clearly they are lying as they did not make any attempts to contact me !!

They refuse to take into account their lack of communication with me. With that as well as their failure to provide me with any proof or a billing statement. This is absolutely unprofessional and absurd!!Desired Settlement: I would like this deleted off of my credit report due to their reporting mistakes and lack of communication.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. Our records do show that a file from [redacted] was placed into our office for services for a [redacted] at an address of [redacted] on 02-03-2015. We show a letter was mailed to this address on 02-10-2015. We also show 2 calls were placed to the home number supplied to the Revdex.com of ###-###-####. Our records show that we did report this to the credit Bureaus 03-08-2015, we have checked the posting and it is correctly reported as to the service date 10-31-2014 and the reporting date of 03-08-2015. Our records also show that we spoke with this consumer on 04-03-2015 and the file was paid in full. We also show that a receipt letter was ordered on that date and sent to the e mail address of [redacted] on 04-06-2015. As a courtesy, we have also ordered deletion of this paid file to all credit reporting agencies, the confirmation # is [redacted].

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.

Review: I moved from Hendersonville TN and provided Comcast with my updated address. I left in early September and notified the Comcast of my Oregon address. I spoke with a customer service representative when moving and they could not provide me with an amount due. They stated they would call or mail me a bill. I have not received a bill from Comcast and the account was assigned to Stellar collections. I have not received any correspondence from this company directly. I called when it showed up on my credit report. I did state the issues with billing and no notification, and asked if they would remove the report and accept payment. They stated they would not remove the report from my credit services and it is not their concern that I was not properly notified. In addition to no notification of the debt, the initial creditor did not have it for a full 30 days even prior to assigning to a credit agency.Desired Settlement: I [redacted] be calling Comcast directly to deal with this debt, and I would like the collections report removed from my credit history.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. Our records do show that a file was placed in our office in the name of [redacted] on 9-22-2015 for services from Comcast at [redacted]. We do show that a letter was mailed to that address on 9-25-2015. Based on the comments made by Mr. [redacted], we believe there may have been some miscommunication between Comcast and the consumer as we do not show a forwarding or billing address given by the client to Stellar and he may have not received a final billing notice from Comcast. For that reason, we have ordered deletion of the credit reporting and as Mr. [redacted] has indicated, he is welcome to call and pay this invoice directly to Comcast, we have put the file on hold pending resolution by the consumer and Comcast for this file. We have updated the address we have to the new address in Oregon.

Review: I see a amount owed for something on my credit report. I don't know what this is about. I don't want to contact this agency as they will think I am guilty of owing them something. how may I find out what this is about?Desired Settlement: have this removed from my credit report.

Business

Response:

Stellar Recovery is in receipt of an inquiry made by [redacted]. On 07-01-2013, our office was forwarded a past due billing from [redacted] for [redacted] for services at [redacted] in the amount of $85.22. We do show a letter was sent to the address on file on 08-17-2013. No contact with the consumer has been made. The original account number was [redacted] and the file was charged off on 11-26-2011. We have mailed out today, copies of final invoices for Sept 2011, Oct 2011 and final invoice for Nove 2011 to the address on [redacted]. Mr. [redacted] is welcome to review the validation documents and let our office know if there are any concerns. He is welcome to call our office at ###-###-####, ext 120 or e mail our office complaint officer at [redacted].

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,

[redacted] and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

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

I sent this to Mr. [redacted] and have not heard back.

Mr. [redacted],

I found this debt owed to your company on my credit report. I recall having the service in question and I recall that the issue was settled at that time.

In an effort to have this removed from my credit report I request that we meet in the middle and settle this matter for 1/2 the amount requested by your company.

The other issue is that I need a confirmation that the full amount on my credit report be removed and how that will happen.

I have been retired for over 8 years, on a fixed income. I have never been late for a payment or not paid my debt's. I do recall that this matter had been resolved a long time ago, but I do also wish this removed from my credit report.

Thanks,

Review: I received a phone call from a debt collector names [redacted] trying to collect a debt on behalf of Comcast. They said when I closed my account that I was billed an additional month that I did not pay. Comcast charges in advance not after 30 days. when I went to Comcast to close my account 4 years ago they said I did not owe anything. according to this collection company I went delinquent on July 11th 2009. 4 years ago. I have never received a bill for 4 years from Comcast and now they are trying to collect something that was considered closed. I would be more than willing to pay this but I know for a fact I owed nothing and this matter was 4 years ago.Desired Settlement: I would like this debt removed because I do not want my account in collections or this to affect my credit score.

Business

Response:

Stellar Recovery has received a complaint filed by a [redacted]. In order to open an investigation of this complaint, we first need to identify the correct file. We have not been able to confirm the correct file in this matter based on the information provided by the consumer. We do not find a [redacted] in our data base. The found a [redacted] for services at [redacted] with a slightly different balance showing on the file. If Mr. [redacted] could assist in identifying the file, we will be happy to continue our investigation of the matter.

Their attempts to collect all [redacted] bill is excessive. I settled with [redacted] yet they still call even after being asked not to and after I sent confirmation of paying the cable bill

Review: I don't understand why I was getting 2,000 calls from Stella Recovery (blocked harassing calls). I have NO DEBT. They said it was because of a $90.00 [redacted] equipment bill (totaling $198.00 with their added fees). I keep hanging up on the because I think they are trying to fraud me! So I even called [redacted] and they said I owe them NOTHING and that their equipment only cost $5.99, $8.99, & $9.99 and that there is no way I would have something that expensive of theirs. Now Stella Recovery is sending me bills in the mail. I don't know how to handle this because I don't owe anything and I don't to give this (obviously crappy) business my credit card information. I also don't want them to send anything to Creditors saying I don't pay my bills. THIS IS CRIMINAL and should be shut down. If I owed anything why hasn't [redacted] let me know the charges? Stella Recovery how are you still in business? You are trying to ruin people's lives who have done NOTHING wrong.Desired Settlement: PLEASE CONTACT [redacted] AND GET YOUR STORY STRAIGHT. QUIT BILLING ME.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. On 03-14-2014, our office did receive a past due billing from [redacted] for services at [redacted] in the name of [redacted] (ss# ending in [redacted])n. The amount showing due was $182.47, [redacted] shows that $92.47 was for services and $90.00 was unreturned equipment, the original account number with [redacted] was [redacted]. Ms. [redacted] indicated that we had made 2000 calls, our records indicate that 5 calls were made to the phone number of ###-###-####. Our records further indicate that we did speak with the consumer on 03-24-2014, she indicated that she "was not aware of this [redacted] billing." She indicated that she would call [redacted] and give our office a call back, we show that no return call was made on the file. The agent had put the file on "hold" pending more information from the consumer. Based on the Revdex.com complaint, we have closed the file as disputed and will return the file to [redacted] with the information obtained. Ms. [redacted] is welcome to discuss this information with [redacted], we have closed the file in our office. There was no credit reporting done on this file.

Review: Have checked credit report and see that Stellar Recovery Inc has reported that have a negative balance of $50 and they have never notified me of any debt to [redacted].Desired Settlement: Remove Collection from Credit Reports

Business

Response:

Stellar Recovery is in receipt of an inquiry received from [redacted]. Our records indicate that we did receive a past due billing from [redacted] on 11-03-2012 for a Lillian [redacted] (SS # ending in [redacted]) , for services at [redacted]. We do show that a letter was sent to the address provided by our client on 01-11-2013. We do not show any contact has been made regarding this file. Based on the Revdex.com inquiry, we have ask for and received Validation documents that appear to validate the amount owed by the consumer. We have mailed a copy of these validation documents to the address provided by consumer to the Revdex.com. The consumer is welcome to review the documents sent and contact our office. The file # in our office is [redacted].

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. I would like them to remove this collection from my credit reports it is affecting my credit.

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

Regards,

Consumer

Response:

I do not accept offer because this debt has been reported to my credit reports without knowledge and they should have notified me of any solutions.

Business

Response:

Stellar Recovery is in receipt of an inquiry received from [redacted]. We show that we received and responded to an inquiry from this consumer on 04-20-2015.

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: Operating a Debt recovery scam , invalid contact information, they move around a lot,Desired Settlement: No funds to hire a lawyer and chase them down. want to make people aware

Business

Response:

Stellar recovery is in receipt of an inquiry made by [redacted]. Our records indicate that on 2-8-2015, our office did receive a past due billing from [redacted] for a [redacted], for services at [redacted] for $338.87 from 8-15-2008. We do show that a demand letter was sent to the address provided by [redacted] on 03-16-2015. We show that Mr. [redacted] spoke with one of our agents on 4-10-2015, he indicated to the agent that " wants to dispute this billing as he has no knowledge of the debt." The Stellar agent noted the file and closed it on 4-10-2015 as disputed. The file was then closed and will be returned to [redacted] as disputed. Mr [redacted] is welcome to contact [redacted] direct with any future inquiry regarding this debt. Because Mr. [redacted] did file a complaint with the Revdex.com, we have ordered and received validation documents from [redacted] for this file. These validation documents are being mailed to the address provided in the Revdex.com complaint. Mr. [redacted] is welcome to review these documents and contact [redacted]. Stellar has closed the file and returned it to [redacted], any credit reporting has been ordred deleted. Mr. [redacted] indicated in this complaint that "Stellar moves around alot." Stellar Recovery has been in Kalispell Montana since December of 1999, we opened our Jacksonville office in February of 2010, the only move we have made since 1999 was in 2010 in Kalispell when we relocated into a building that the company purchased.

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.

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

Regards,

[redacted] Hi , I did not contact them first as they say, They are predators with access to invalid debt, and attempt to extort money from their victims. As far as them moving around from place to place the links to their website are void .And Most the links can't be displayed . The first phone call was from 313 that's Detroit ,Every time and different address from every letter I get from them.. They have many complaints on the web warning people about their tactics . They are Organized and probably get a percentage of the invalid debts settled . they offered me a settlement as well. I informed them I will spend time and money to expose them , but never Pay that fake debt. I gave then knowledge and a copy of rules in Michigan , one of which is Time limitations on ledged debt. [redacted] This alone is enough . I have far more . What I want is for them to stay off my credit reports, and never contact me again. I seek no monetary Damages. and an apology would be appropriate. Lets see What this information does. I am in good standing with [redacted] at this Time. And they want to be my Service provider to this day. Thanks for your Mediation . Sincerely [redacted].. PS If Stellar continues to harass me I will continue to supply even more evidence to support my case.

Business

Response:

Stellar Recovery has received "additional concerns" regarding an inquiry made by [redacted]. First, our statement did not say he contacted us, we said "contact was made" with the consumer. We are not sure why Mr. [redacted] insists we move around or why that would be an issue, but we can stand by our statement that we have locations in Kalispell Montana and Jacksonville FL. Debt collection is not the most popular industry in our country, we attempt to collect valid debts on behalf of our National clients with respect and dignity given to consumers and know and respect the laws that govern our industry. We are certainly aware of all statutes of debt collection and statute of limitations when it comes to legally collecting time barred debt. As stated in our reply, we have mailed a copy of the validation documents provided by our client regarding this so called "fake debt" We have closed Mr. [redacted]s file, as we indicated and all credit reporting has been ordered deleted.

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,

[redacted] Being that the file was closed and all negative statements were deleted, to me is an admission of a mistake . It is my hope that they learned from their error and not cause others distress. Regards [redacted]

Review: This company does collections for [redacted] TV SERVICES and they had a account of mines I called in to make a payment plan to satisfy my debts but on one condition they would have to remove my negative file from all three credit agency the [redacted] agreed that this would been done when last payment was made and I said okay lets set it up then. We set up the payment plan/contract and a made a series of payments to paid off my balance. Account is now paid in full no settlement full payment was made I waited at least 15 to 30 days to check my credit report for corrected/deleted info but my credit report only states account paid in full so I called Stellar Recovery to see what was the delay to delete this item 2 rep one a manager stated that they do not delete accounts after payment and that I was missed informed so they reps stated they will pull his call and see if he stated that and if so they would honor what he said fully the information was confirmed that the rep indeed stated my account would be deleted but till this day its still on my report I feel that this company is agreeing with whatever the consumer says just to get there money then say we will not honor the contract that was stated in the beginning I would like them to go thru with there end of the bargain or refund my money fully.Desired Settlement: I would like them to go thru with there end of the bargain by deleting the account or refund my money fully.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. At the time this file was placed in our office, we did have an option to "pay to delete" on [redacted] accounts. In this case, one of our managers received the original recording and we did agree to delete the credit reporting at the end of the payment period. The manager did order the deletion on February 27, 2014. Confirmation # is [redacted]. Please allow time for the credit reporting agencies to process this request. Stellar Recovery no longer has a "Pay to Delete" policy.

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.

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

Regards,

Review: Will not remove paid debt off credit reportDesired Settlement: To have this account removed from my credit report.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. Our records indicate that we did receive a Dish Network account in our office on 6-22-2015 for a [redacted] for Services at [redacted]. Our investigation shows that the account in our office from Dish Network was placed with a delinquency date of 9-17-2013. Mr. [redacted]s spouse made contact with our office on 8-7-2015 advising she needed to resolve the account and have it removed from their credit. Our Stellar Representative advised Mrs. [redacted] that the account could be settled and that it would be updated as settled in full on the credit report. Mr. [redacted]s spouse made contact with our office again on 1-26-2016 advising she needed to have the trade line deleted from their credit. Our Stellar Representative and Manager both advised the consumer that it is not our policy to offer a deletion and that the account has already been reported as a settled in full account. Stellar is regulated by the FCRA to report accurate information, the account has been settled in full and reported as such.

Review: I received a collection notice from Stellar in May of this year. Without admitting liability I chose to pay the amount in full. Upon receipt of payment, Stellar agreed to delete all references to this account with all three credit bureaus. I then sent payment in full after receiving written notification of our agreement. Since that time no action has been taken. I contacted Stellar at the beginning of September and was told that the deletion had not been placed because of an oversight, which the representative assured me would be corrected immediately. I have waited another month and my most recent credit report does not reflect the deletion. I ask that Stellar remedy this oversight immediately as we agreed.Desired Settlement: *s the account has been paid in full per the terms of the agreement, the record of the collection should be removed from all three credit bureaus.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. Our investigation has found that Mr. [redacted] did request and receive a letter that indicated that upon payment of this file, we would delete the entry to all credit reporting agencies. He did pay the account on 05-24-2013. Our records indicate that our system updated and deleted the credit reporting as of 06-05-2013, this is an automated system with our software. Based on the [redacted] inquiry, we performed a manual *UD deletion request today, 10-11-2013, confirmation # is [redacted]. We do apologize, sometime there are issues with the credit reporting agency, the *UD is manual and this should take care of the deletion for Mr. [redacted]. the consumer is welcome to contact me directly with any further questions, ###-###-####, ext [redacted] and can ask for [redacted]. Peterson.

Review: This account is on my credit breaur and I keep telling them to remove this account off my report they have a ssn # ending in [redacted], this is not my SSN # of [redacted].Desired Settlement: Remove from credit report

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. Our records indicated that on 11-29-2012, we did received a past due filling from Comcast for services in the name of [redacted] for services at [redacted]. This address appears to be the address given by the consumer to the Revdex.com, the phone number given for contact also is a match to the number given to the Revdex.com of [redacted]. Our records do show that a SS # associated with the file ends in [redacted] and the consumer is claiming that this is not a match. For the reason that the SS# appears to not be a match, we have closed the file as disputed and will return it to Comcast with the information provided. All Credit reporting will be ordered deleted for the file as well.