Stellar Recovery, Inc.

Review: Stellar Recovery has listed a collection of $117.00 on my credit report. According to my credit report, the collection, which originated with [redacted], was opened on December 14, 2013. The report date is January 20, 2014.

The last time I had an account with [redacted] was in 2012. That account was closed and paid in full in March 2012. I think [redacted]'s claim is fraudulent.

Stellar Recovery has not contacted me to request payment. If they had, I would have disputed the charge as fraudulent.Desired Settlement: I would like this collection removed from my credit report.

Business

Response:

Stellar Recovery is in receipt of a inquiry made by [redacted]. Our records indicate that on 12-16-2013, we did receive a past due billing from [redacted] for an [redacted] for services at [redacted] in the amount of $117.00. [redacted] indicated that these charges were from 4-25-2012. We show that a demand letter was mailed to the address of record on 12-18-2013. We do report these accounts to the credit bureaus and as a "Data Furnisher" we report the opening date as the date WE received the file, thus the 12-2013 opening date and the date we sent the filing for reporting, thus the 1-20-2014 date on the credit profile. Our records also indicate that we have attempted to call since 12-16-2013 to the phone number of ###-###-#### a total of 12 times. We have no report of contact made on this file or any notification that a dispute may exist. Based on the information provided in the Revdex.com inquiry, we have closed the file as "disputed" and will return the file to [redacted]. The consumer is welcome to contact [redacted] directly, the original account number with the client is [redacted]4904. We have also ordered deletion of the credit reporting as we have closed the file in our office.

Consumer

Response:

Revdex.com,Attached is written verification of the disputed claim. On December 14, 2013, [redacted] (original creditor) sent a collection to Stellar Recovery in the amount of $117.00. My most recent account with [redacted] was in March 2012. That account was closed and paid in full in 2012.I am requesting that the $117.00 collections be removed from my credit report.

Regards,

Business

Response:

As indicated in our response, this file has been closed in our office as disputed and will be returned to the original Creditor, [redacted], with information received from the consumer. All Credit reporting has been ordered deleted on 01-06-2015 for this file.

Consumer

Response:

Revdex.com,This is my second time supplying this information to Revdex.com. I am not clear why the information is being requested again. Attached

is written verification of the disputed claim. On December 14, 2013,

[redacted] (original creditor) sent a collection to Stellar Recovery in the

amount of $117.00. My most recent account with [redacted] was in March 2012. That account was closed and paid in full in 2012.I am requesting that the $117.00 collections be removed from my credit report.

Regards,

Review: Stellar Recovery has sent me a notice indicating they believe I owe them a debt in the amount of $220.14, with an original creditor of [redacted]. No such debt is owed. I challenge the validity of this debt and ask that Stellar Recovery remove all reports to credit agencies and suspend collection activity.Desired Settlement: I request that Stellar Recovery suspend all collection activity and remove all negative reporting to credit reporting agencies.

Business

Response:

Stellar Recovery is in receipt of an inquiry made by [redacted]. Our records do indicate that a file from [redacted] was placed in our office on 10-24-2014 in the name of [redacted] for checking account services and demand deposits. A letter was mailed to the address on file of [redacted], 12-9-2014. Our investigation shows no contact had been made regarding this file. On 12-09-2014, our office received a notification of dispute provided by the Credit Reporting Agencies, we updated the address from this notification and closed the file as disputed based on this notification. Credit reporting was ordered deleted upon the dispute notification. We also performed a manual deletion request today to make sure this file is not reporting, the confirmation number for that deletion request is [redacted]. The file was closed as disputed when notified and deletion has been ordered for this file.

Consumer

Response:

Revdex.com,

Stellar Recovery, Inc. sent me a letter after disputing this with the credit agencies. So long as Stellar Recovery agrees not to continue collection activity, we're good. I appreciate the manual deletion.

Review: Prior to my bankruptcy in 2008 I had an account with [redacted]. That account was included and discharged in my bankruptcy March 2009. Within the last few weeks, I started receiving calls from this company requesting payment of over 700.00. This new account is now on all of my credit reports, posting as a new account as of 9/2013. This account was not in collections at the time of my bankruptcy, nor was it ever over 700.00.Desired Settlement: I would like to stop receiving calls from company demanding a payment for an account that was discharged in bankruptcy over 3 years ago. I would also like this account removed from all credit reports as this was not an account of mine, and it should have not been sold to any collection agency. It drastically damaged my improved credit post bankruptcy. This "new" collection cause my credit score to drop.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted] T. [redacted]. On 08-21-2013, we did receive a past due invoice from [redacted] in the name of [redacted], for services from [redacted], this file shows it was charged of in December of 2008. [redacted] did not indicate that this file was included in any Bankrupcty. Stellar Recovery also performs Bankruptcy "scrubs" on all accounts before collection action is performed, the filing of Bankrutcpy was not detected in this scrub. Based on the information given to the Revdex.com, we have closed the file as Bankrupt and have forwarded this information to the client. We have also performed an AUD deletion of this claim from all Credit Reporting Agencies, confirmation # of the deletion [redacted] date October 2, 2013. We apologize for this error on the part of client.

Review: Stellar Recovery Inc. violated my rights under the FDCPA. On August 23, 2013 Stellar Recovery Inc. received a letter requesting debt validation, but the collection agency never responded. The collection agency is illegally reporting debt, but they ignored proof and continued to report wrongful debt. Account# [redacted] Tracking Number:Stellar Recovery Inc. - August 23, 2013 ([redacted])Desired Settlement: Remove Stellar Recovery Inc. from credit report immediately

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. On 07-09-2013, our office did receive a file in the name of [redacted] for [redacted] Services at [redacted], Draper UT [redacted] with a billing address of [redacted], Jacksonville FL [redacted]. On 08-23-2013, we documented receiving a letter from a [redacted] with the same billing address and Account number. This letter contained 3 seperate requests or demands, first it ask for validation of the debt, second it offered to pay off the file if we agreed to delete the file from the credit reporting agencies, and 3rd, if we did not respond he disputed the alleged debt and withdraw his offer. This offer to settle with deletion is not allowed by the original creditor, they will not allow us to delete for payment. The administrative department did order validation based on the request. We were later informed that validation for this file was not available and per the request of the letter, we marked the file as disputed and deletion was ordered on this file. Confirmation of the deletion request is [redacted] is welcome to deal directly with [redacted] in the future, the file has been returned and marked disputed per his communication.

Review: Was contacted repeated thru an computer for weeks on end. Today was contacted at my place of work by [redacted]. I asked him to stop calling me at my work and he said that he would just call HR to get my info. I asked for him to not contact me at work. He tried to Verify my address and my previous name from a debt he said was Beneficial. I did tell him he could not make threats as he was threating to take suit against me. He was very rude and stated that I was correct that he couldn't make threats. Then again he told me that he was going to contact my HR since I didn't seem to want to take care of this matter. He never explained the matter or provided me with any information about the account just that he was going to my HR. He called after 3 pm and told me I had until 6 then he would contact HR (continous threats about my job). I want all numbers removed from this account and them to stop contacting me.Desired Settlement: Please remove all numbers from this account and stop contacting me. The name they asked for I have not used in 12 years.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. On 08-06-2013, Stellar Recovery did purchase a file in the name of [redacted], aka [redacted], which was originally a Beneficial Financial account, the original account # is [redacted] and was charged off on 10-21-2010. We have reviewed the recording associated with this file on a call that was made to the consumer on 11-06-2013. The Agent was proper in giving a pre-legal demand on this file but the agent should not have brought up anything to do with the "HR" department for the consumers place of employement. Because Stellar Recovery does own this file, we do review these files for possible legal action if arrangments cannot be worked out in order to protect our asset. Ms. [redacted] indicated in the complaint that she would like all calls to stop. Under the FDCPA, we have closed the filed as "cease and desist." There will be no further collection action by Stellar. Stellar does have the right to forward this file to our attorney Network for review for legal action. If Ms. [redacted] has any additional questions, she is welcome to contact our office.

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.

Complaint Detail

Review: This company has been calling us for almost three years. Looking for [redacted]. We have told them many times that we dont know him. When we ask them not to call back they hang up and call the next day. They call us at 7 in the morning. We feel like they are harassing and incompetent. It is unbelievable that they wont stop calling. How many times do we have to tell them that he made up a number and it is our number. No one in our family knows him.Desired Settlement: we want the calls to stop forever. if they don't stop they should be fined for harassment.

Business

Response:

Stellar Recovery is in receipt of a wrong number complaint filed by [redacted]. The phone number given to the Revdex.com was [redacted]. Our investigation shows that the phone number given is not in our system and has not been called by Stellar Recovery. If there is another number that is being called, [redacted] is welcome to call our office at [redacted], ext [redacted] and ask for [redacted] or e mail us the information at [redacted] We will be happry to remove any wrong number in the system and place it into our internal do not call list.

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.]

The phone number they are calling is [redacted] and it is under the names [redacted] and [redacted].

Review: Well I have several complaints about this company's practices. The first one is that this company called me one day out of the blue saying that I owe them this debt from Comcast and that it is reporting to my credit bureaus. I did have Comcast years back but I never received any letter from Stellar stating that I owed this debt to them. By law they are required to send one. Now if they can find a correct number for me how can they not be able to send me the required notification about this account. Secondly, I agreed with the agent to settle the account on a specified amount and my husband called them to pay and the agent and my husband went over the agreed amount that was discussed and my husband paid based upon what was agreed. The agent did say that the call was being recorded, which is good. We checked our bank account and saw that they charged us more than what was agreed upon. My husband called back in to find out what happened and not happy of course. When he called in the agent he spoke to said that we had a balance when the account was supposed to be settled and closed. This was another issue on top of the other 2. He was transferred to a supervisor named [redacted]. She said that they were not able to wave the processing fee of $9.95 for a payment, but it was recorded that it would be done by the initial agent and his supervisor. She said that she would call mu husband back in 20 minutes, which was on 11/07/2014 around 12 noon and it is now 11/10/2014 at 9 a.m. and he has yet to hear from them. We have been lied to twice and did not receive any notification from the collection company before this was reported to my credit files. This company has committed several fraudulent acts and broken at least 1 law with the FDCPA and looking at all the other complaints within the last few months with this company, it seems as though they don't care. This is ridiculous.Desired Settlement: What I think should happen because of the false information given from Stellar and the time it has taken out of my husband's day at work to try to resolve this, plus the agreement being recorded is that the amount that my husband paid should be fully refunded and this account should completely deleted from my three credit files. This company appears to have bad habits when it comes to their company practices. If it was my error and if I did not follow through on the agreed amount I was told that the agreement was null and void and I would be responsible for the full balance so I think it is fair to demand this outcome. We should be completely refunded, the account closed and removed from my credit profiles.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. On 09-20-2014, our office did receive a past due billing from Comcast for a [redacted] for services at [redacted]. Our review indicates that a "communication" was made with the consumer on 10-28-2014 and our records indicate that the "demand" letter was mailed on 10-28-2014 per the FDCPA requirment. It appears we did offer a settlement for this account approved by our client on 10-28-2014 which was a savings on the amount owed of $103.22. The recording also indicates that we did offer to waive the convienvience fee of $9.50. The agent did request his manager to waive the fee but the manager did not process this request and the fee of $9.50 was charged when the settlement payment was completed on 11-06-2014. One of our guality assurance managers gave the consumer a call today and indicated that we would be happy to credit the convienience fee and that we would be willing to ask for deletion of this reporting on the consumers credit file, both of these things have been ordered and the consumer agreed to these arrangements.

Review: You are illegally reporting an account to all 3 credit bureaus which is NOT mine. The account number is [redacted], the file number is [redacted] and the original creditor is Comcast. I have sent three certified letters demanding that you delete this account from my credit reports yet you have chosen to ignore all of them. You have failed to ever provide me with evidence showing who opened these two accounts.

The resolution I want is for you to IMMEDIATELY DELETE this account from all 3 credit bureaus as well as send me a letter showing that you have deleted the accounts. I will give you 10 days to respond to this email before I file a complaint with the Montana State Attorney Generals office as well as the Federal Trade Commission. I will also file a civil lawsuit in which I will seek damages for you incompetent, illegal behavior.

If you delete the accounts from ALL 3 CREDIT BUREAUS I will consider this matter closed.Desired Settlement: Immediately DELETE this account from all 3 credit bureaus as well as send me a letter proving that this has been completed. Once I receive this I will consider the matter closed.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. On 04-11-2014, our office did receive a past due billing from Comcast for a [redacted] for services at [redacted] in the amount of $118.63. Our records indicate that we received a notice from the Credit Reporting Agencies (EOscar electronic notification) on 10-28-2014 and the file was closed as disputed, per this notification. The credit reporting was electronically deleted on 11-03-2014. We also show that we received a letter on 11-11-2014, after the file had been closed that indicated that he "has sent many dispute letters regarding his Capital One Account." This is not his Capital One account, but the file had already been closed as disputed, so the file was documented and our administrative department also ordered a manual deleter request, confirmation # [redacted] on the same date. Our Records also indicate that Mr. [redacted] phoned into our office on 11-14-2014 and spoke to one of our agents and was informed that the file has been closed as disputed and returned to our client as such. The file was properly closed when notified and credit reporting was deleted.

Review: About 2 months ago, I was checking my credit report after I was alerted to a new collection account on my report.

The alleged collection was from Stellar Recovery, for $395, which after doing some research found that it was associated with a Comcast account that had been closed since 12/2012. I have always paid my bills in a timely manner and had never received any documentation whatsoever from Comcast stating that there was any unpaid balance on the account. However now, after 3 years, the account is listed as being in collection. I sent a letter of dispute about 1 month ago, but have yet to hear anything back from Stellar. They have not responded to my attempts to correspond with them. I simply asked them to confirm the debt, and they have been unable to do so. The debt they are asserting I have is in error, and am frustrated they have not responded to this matter.Desired Settlement: I would like them to verify the accuracy of this debt and rightfully remove it 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 Comcast account in our office on 12-29-2012 for a [redacted] for Services at [redacted]. Mr. [redacted] has never made contact directly with Stellar Recovery in regards to this account. Mr. [redacted] submitted an [redacted] through the credit reporting agencies to verify whom the account belonged to on 8-4-2015. Mr. [redacted] submitted a second [redacted] through the credit reporting agencies disputing the account on 1-4-2016. Our records indicate that Stellar submitted a dispute update to the credit reporting agencies on 1-12-2016. Validation of debt will be requested from the client on [redacted]’s behalf. We will order deletion of the credit reporting for this account during this validation process.

Review: This is a collections company that was attempting to collect a debt which I was unaware of and was never contacted about from the billing company or the collections company. The first I heard of the debt was when the collections hit my credit report. I immediately contacted Stellar and paid the bill and asked to have the credit hit removed from my record as I was NEVER contacted regarding the debt. I feel this was an unfair business practice and should be changed. I made payment the moment I found out a bill was due and had they made any form of contact with me prior to this date I would have certainly paid an owed amount.Desired Settlement: All I am asking for is to have the hit on my three credit reports removed, not listed as paid in full but in fact removal of any bad debt posted with the three credit agencies.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. Our records indicate that we did receive a Time Warner account in our office on 12-16-2015 for a [redacted] for Services at [redacted]. Our investigation shows that the account in our office from Time Warner was placed with a delinquency date of 2-5-2015. A deletion has been submitted on Mr. [redacted]’s behalf. Please allow time for the credit reporting agencies to make the adjustment.

I owed this agency $130.00 to clear an old debt that yes is obviously my own fault for not taking care of the debt sooner. I settled the debt, but could not even get an agrmt letter for 30 days. I'm sorry. I thought once you entered in to an agrmt you usually are able to obtain this in writing before the debt is actually even settled or paid. THE DEBT IS PAID....BUT they can't even seem to email me a receipt along with an agrmt letter. This to me is poor business. The representatives are always rude every time you call them. And they could not care less that a consumer is ACTUALLY PAYING THEM THE DEBT THEY OWE AND GUESS WHAT you never have to call or attempt to collect the debt anymore in which IT IS OBVIOUS YOU HATE YOUR JOB IN DOING THIS ANYWAY. TERRIBLE COMPANY. I have had other old debt in collections, that I had to take care of and the companies were very easy to work with and had no problem emailing me an agrmt letter and proof of the debt being pif. 30 days....just for an agrmt letter. over $100 bucks. Shame on you! Your company sucks! That is all.

Review: Are reporting every 3 months that I have a new [redacted] bill that was turned over for collection & have been doing this since 2010.

Divorced April 2010. The courts gave X-wife the home and all utilities were to be paid by her. I have the court papers stating this. I talked to [redacted] about this and they allowed me to cancel contract early and charged me $75 early termination fee which I paid at that time. A balance on the account was $209 which my X-wife was ordered to pay was left on the account. This account was turned over to collections and the collection agency (Stellar Recovery Inc) has been reporting (Every 3 months) that a NEW [redacted] service has been acquired and turned over to collections. I didn't realize this was happening till I applied for a new home mortgage and the lender asked if we had multiple unpaid [redacted] bills that were turned over for collections. These multiple collections have lowered my credit score enough that I can't get approved for a home loan.Desired Settlement: Remove the collection from my credit report or at least have them post it correctly (only 1 original account) from 2010 and that is my X-wife's responsibility to pay per court order.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. On April 10,2013, our office did receive a past due [redacted] billing in the name of Jaems [redacted] for services at [redacted]. First, we do report to the Credit Reporting agencies but we only report the issue once, then we send monthly updates to the reporting agency, we performed an audit and it shows this is being reported once with updates monthly, not multiple times but have put a ticket in for clarification with the report agencies to see if some problem has occured. We cannot give legal advise, but if the billing is under a name and then a divorse occurs and there is a consent order for a certain spouse to pay that bill, that is a court decree only and does not negate the original responsibility of the contract holder. We have closed the file as disputed and have returned this file to our client, we have also ordered deletion of the repoirting to all credit reporting agencies based on that dispute. Please allow time for the Credit Reporting Agencies to process this request.

Review: On December 13, 2013 I sent a Debt Validation request concerning an alleged debt on my credit report(acct#[redacted], as listed on report). This was sent certified mail return receipt requested #[redacted]. I received the green card back with a signature that they had received the letter. It is now February 3, 2014 and they have failed to respond. I have no knowledge of this debt and have never been contacted by them regarding this debt. Furthermore, this alleged collection was also trying to be collected by [redacted] for the exact same account and amount. I also sent [redacted] a Debt Validation letter and they deleted immediately. I Currently have [redacted] services which they are claiming I owe $414.00 and if I actually owed them this amount my services would have never been turned on as they have a policy of collecting past due accounts before activating service. This is not my debt to pay and they obviously cant verify as they have had ample opportunity to do so. My address is correct on my credit report and they could of easily sent me a dunning letter when they started collecting on this so it could have been addressed immediately.Desired Settlement: I request this account be deleted form my credit report as it is not mine.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. On 06-04-2010, our office did receive a [redacted] file in the name of [redacted] for services at [redacted]. We further show that we had no contact with the consumer and that the file was recalled by [redacted] and returned to them on 06-06-2011. Our records indicate that the credit reporting for this file was ordered deleted on 06-07-2011. We did receive a validation request for this file on 12-17-2013, the file had been closed when we received this request for over 2 years. Again, we do show that deletion was ordered when the file was recalled, we have performed a manual AUD deletion on this file on todays date (02-04-2013) to all credit reporting agencies, confirmation # is [redacted]. We apologize for this error and are not sure why the credit reporting would continue after it was ordered deleted on 06-07-2011. Pleae allow time for the credit reporting agencies to process this 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: Today I received a credit report from my bank and I noticed stellar recovery was on my report saying I owe $223.00 only with experian. I have never received any phone calls from this company nor any letters saying I owe this money. I have tried contacting the phone numbers listed on their website but the phone numbers are saying its someone voicemail and its for all the numbers listed on their website. I am unsure how a company can post a negative remark on your credit report without sending any proof. I have noticed that I am not the only one in this situation.Desired Settlement: I would like proof that I owe this amount and if I don't I want this removed from my credit report right away.

Business

Response:

Stellar Recovery is in receipt of an inquiry made by [redacted]. Our records do indicate that we received a file from [redacted] for a [redacted] on 02-13-2015 for services at [redacted]. We do show that a letter was mailed to the address on file on 02-14-2015. We also show that we have attempted to call the contact phone number provided by the client of ###-###-#### with no contact made. We show that the address and phone numbers we had on this file are not current, based on the Revdex.com inquiry information provided by the consumer. We have placed this file into validation status and have requested validation documentation from [redacted]. When the information is provided, we have updated the address and contact information and we will forward these documents to the consumer for review. Credit reporting is deleted during the validation process. The consumer is welcome to call our office with any questions, we received thousands of calls each day, she can call ###-###-#### or ###-###-####. If validation documents are not available, the file will be closed and returned to [redacted] and a closure letter will be mailed to the consumer.

Consumer

Response:

When I lived at that address I only had a phone service and I need more details on how for phone services my bill is that high? if I supposidly owed that much how was I ever allowed to have services at a different address? I have contacted the Revdex.com on [redacted] also since I feel they have bad billing practices and keep trying to screw over past customers especially when customer is already paying on a [redacted] bill for 250 in which I have the proof. I would also liked this removed from my credit report asap. With century like they had my mailing address and idk why they never provided anyone with it since my old address you can't receive mail also what condo unit is this for? I would appreciate someone to look into this further and thank you

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,

Business

Response:

Stellar Recovery is in receipt of additonal concerns by this consumer. We have ask [redacted] for additional validation documents for this file but have not received these documents. The file has been put on hold status during this validation period and credit reporting has been ordered deleted. If additonal validation is not available within 30 days, we will close the file and send a closure letter to this consumer, or we will forward the requested documents when we receive them from our client.

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. Please keep me posted on the outcome in regards to this. Thank you for your prompt attention to this matter:)

Regards,

Review: Stellar Recovery Inc reported to the credit bureaus in November 2015 a collection from Comcast for $49 without ever sending written notification for dispute. I have never heard of this company. I have also not received a bill from Comcast. This is in violation of the Federal Trade Commission Fair Debt Collection Practice Act.Desired Settlement: Removal of all information from credit reports..

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. Our investigation shows that a file was placed by Comcast to our agency on 4-7-2015 in the name of [redacted] (SS# ending in [redacted]) for services at [redacted] ending on 7-8-2014. Stellar Recovery has attempted to call regarding this file but do not show contact has been made. Stelllar Recovery is a Data Furnisher under the FCRA and it is the responsibility of the original Creditor to notify of possible collections and negative reporting. We have ask for Comcast to provide validation documents for this account. If the documents are received within a 30 days period, they will be mailed to the consumer at the address we have on file. If documents are not received within a 30 days period, a closure letter will be mailed to the consumer and the file will be returned to Comcast. All Credit reporting has been ordered during this validation period. Ms. [redacted] is welcome to contact our office with any additional concerns or e mail our office at [redacted] .

Consumer

Response:

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.What I find to be most disturbing is that they admit that they did not contact me, they obviously have my home address and a letter would have been sufficient. They also placed this information on my credit report without any proof from Comcast or they would not have to wait 30 days to receive proof. I expect immediate removal of this defamatory information from my credit report. I have no choice but to refer this incident to the FTC and the Georgia Governor's Office of Consumer Affairs. Regards,[redacted]

Business

Response:

Stellar Recovery is in receipt of additional concerns by [redacted]. As indicated in the original response, we did perform an investigation regarding the concerns. The investigation is now complete and the file has been closed and returned to our client. All Credit Reporting has been ordered deleted for the consumer. 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 recently received a derogatory mark on my credit report from Stellar Recovery Inc. Last reported November 22, 2015, for creditor Comcast in the amount of $47.

I am requesting to dispute this error. I never opened an account with Comcast in 2011. And furthermore, I never received a bill, letter or phone call requesting payment from Comcast or Stellar Recovery Inc.

I recently opened an account with Comcast in 2015. And at that time Comcast never mentioned any past debt. And after recognizing this error I contacted Comcast for more information regarding this and they did not have any details in reference to this collection.Desired Settlement: I am requesting Stellar Recovery Inc to provide validation of this debt and any documents pertaining to this collection. If they cannot provide these documents I am requesting Stellar Recovery Inc remove and decease of collection from all credit bureaus.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. Our records indicate that we did receive a Comcast account in our office on 10-12-2011 for a [redacted] for Services at [redacted]. Our investigation shows that the account in our office from Comcast was placed with a delinquency date of 7-17-2010. [redacted] has never made contact directly with Stellar Recovery in regards to this account. Stellar Recovery closed the account and sent it back to the client Comcast after validation of the debt was mailed to [redacted] on 1-22-2016 per her request in the complaint. We have ordered deletion of the credit reporting for this account please allow time for the credit reporting agencies to process this request.

Review: Where to start I guess the beginning..first contact I had with the debt collector he was mad I don't answer my phone called me names put me down said I wasn't a good person because I don't pay my bills basically called me a piece of garbage.Of course I was very angry they never gave me information on who they were was never sent anything in writing I might add this has all taken place over a period of time I was harassed with phone calls even got into an argument over the phone telling them to quite calling me she stated she didn't have to stop calling because I never sent them anything in writing so I asked for the address and she hung up.I admit at the time I was ignorant to the process and the laws that govern debt collectors through state and federal regulations so finally they decided to take me to court over this debt that's when I began to research and gain some knowledge.I have maintained and even testified that I have always been in dispute over the amount owed that was why I stopped paying and told [redacted] to take court. which is fine because I wanted this settled.Stellar Recoery wanted 6411.41 in their judgement and they only got 3146.50 which made me happy because I won the judgement So anyway I had to wait for the appeal process to take affect so the judge handed down his verdict on the 20th of March so I counted 30 days which meant it needed to be paid in full by the 18th of April I didn't hear anything so on April the 16th I sent a letter with a cashiers check in then amount of 3146.50 and requested written proof that this debt was paid asked them to remove all my personal information from their files and asked them not to contact me themselves or attorneys I have proof I sent fed ex they received it on 4/17/13 and now on the 19th of April iam getting debt collection calls from their attorney which again they violated the FTC regulations because of the letter I sent I am so tired of these people just acting like they are above the law enough is enough. I have filed a complaint w/FTCDesired Settlement: I haven't decided yet on what type of settlement I want I spoke to a very nice lady who works for the Revdex.com and I talked about filing a civil suit she requested let her meaning the Revdex.com handle this first and then you can proceed in whatever ever direction you desire I said ok and thanked her.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. On 11-15-2011, Stellar Recovery did purchase an [redacted] account in the name of [redacted]. The file history indicates that we did have 2 conversations with Mr. Meyers on 11-28-2011 and 12-06-2011 in which Mr. [redacted] indicated that he was not in a posiition to pay this account and according to our Agents notes, told us to take him to court, that he had voluntarily gave back the power sports vehicle to the Bank and didnt owe them anything. The agent indicated that Mr. [redacted] was "yelling" and difficult. On 10-02-2012, Stellar Recovery turned this file over to an attorney in his juridication for review for potential Legal action. Mr. [redacted] became a defendant in a law suit that was filed and a judgement was granted to the plaintiff (Stellar Recovery) on 03-20-2013 by its attorneys. Once a file has been forwarded to an attorney, the agency steps aside and is not involved in the legal process. On 04-17-2013, our office did receive a cashiers check in the amount of $3146.50. This payment has been processed and we have advised the law firm of the payment. Mr. [redacted] should be communicating directly with the plaintiff's attorney regarding this matter, as they will be the party to complete the Legal documents necessary to satisfy the judgment with the courts. We are showing that the law firm handling this case is [redacted], NJ 08054, their contact number is ###-###-####.

Review: 1. I have never received any communication fromStellar Recovery concerning this alleged debt until the correspondence received via my credi report 01/15/2014.

This company has never provided any documentation about this debt, Stellar Recovery has knowingly failed to respond to my debt validationrequests pursuant to 15 USC 1692g § 809, which states that proof of debt mustbe provided within 5 days of the initial contact with the consumer.

In addition to the above, I would also like proof [redacted] the master servicer of this account. Please provide the contract between Stellar Recovery and [redacted] given them collection rights over this account. This contract is required to ensure that Stellar does have the authority to collect this alleged debt.Desired Settlement: I was not notifed by mail to pay before collection appeared on all three CRA. I was violated of my cosumer rights.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. On 12-12-2013, our office did receive a past due invoice from [redacted] for a [redacted] with a billing address of [redacted]. A validation letter and demand was sent to the address on file on 12-17-2013. On 01-15-2014, at 7:16am MST, we spoke with Ms. [redacted], she indicated to an Agent that she had sent a letter, the agent indicated that the letter was not noted yet on the file. On 01-15-2014, at 7:25am MST, we spoke again to the consumer, she indicated that a letter was sent out that indicated she was willing to pay the account if we would delete the credit reporting, the agent advised that we would update the file as paid in full but do not have a "Pay to Delete" policy. On 01-15-2014 at 8:19am MST, the administrative department posted a note on the file, indicating that an e mail had been received that indicates she will pay this in full if we will agree to delete the credit reporting, and that if we did not respond to this request within 15 days, she would demand validation of the debt. The administrative department is aware we have no "pay to delete" policy and placed the file in "validation" status. This status will ask our client to provide validation documents for the file. At 11:25 I ([redacted]) received an e mail that indicated that our company has never provided any documentation about this debt and knowly "failed to respond to her debt validation," and would file a Revdex.com complaint. I reviewed the file and noted the e mail received. I also recieved a phone call from Ms. [redacted] and explained that I was in a meeting but would call her back. I called back about 35 minutes later and got voice mail. Ms. [redacted] claims in the Revdex.com compliant that we are "required to provide proof of the debt within 5 days of initial contact with the consumer." This is not the case, we are required within 5 days of contact to send out a demand and validation letter to the consumer, this letter was sent out at the placement date of 12-17-2013. Because the consumer demanded validation of the debt in her e mail if we would not delete the credit reporting, the file has been put into validation status. During validation, credit reporting is deleted. When we receive the validation documents from [redacted], they will be mailed to Ms. [redacted], if validation is not available from [redacted], the file will be closed and returned to the original client. If Ms. [redacted] has further questions, she is welcome to call [redacted] at [redacted].

Review: This company has been calling my phone and also the phone numbers of people who know me but that I don't speak to regularly leaving voicemails that I will be arrested and served. They don't even identify themselves. I had to google the number, because sometimes the phone doesn't even ring and there's no missed call, but a voicemail comes up. I have no idea as to why I am being threatened or why they refuse to stop. I do not owe them money. And they have yet to send me something by mail.Desired Settlement: Stop harassing people.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. Ms. [redacted] indicates that we have been calling her phone number of ###-###-####. Our investigation indicates that particular phone number is a number associated with a " [redacted]" . The phone number has been removed from our system and placed into our internal do not call list. The phone appears to be a wrong number being called, the consumer claims we have called "people who know me.", we are not sure how this could be possible as the phone number appears to simply be a wrong number for another party. We have checked all recordings associated with any messages left to this phone number, we certainly have left no messages that indicate she may be arrested and served, all messages were automated and comply with laws regulating our industry. We do apologize for the wrong number calls and the number has been removed from our system.

Review: Hi,

I recently checked my credit report and found an entry by Steller Recovery account [redacted] on my credit report. I have no knowledge or understanding of this account. My credit score is going down because of this negative entry by this business without any basis. They have not provided me with any proof that they own this account or that I am liable for this. I need this account removed asap from my credit report as it should not be on my account.Desired Settlement: Remove the entry from all 3 credit reports effective immidiately.

Business

Response:

Stellar Recovery is in receipt of an inquiry made by [redacted]. Our records indicate that a file was sent to our office from Comcast on 09-12-2011 in the name of [redacted] for Services at [redacted]. Comcast indicated that $360 was for unreturned equipment and $167.25 was for services. Our records indicate several letters were sent to the consumer regarding the file and on 05-16-2013 we spoke with the consumer, he indicated that "he rembers the account but was not in a postion at that time to make this right." He further ask "for a letter to be e mailed to him at [redacted] and indicated to the agent that he thought he would be able to pay this account by 5-23-2013." We show no further communication was made with this consumer. We have closed the file as disputed and will return the file to Comcast as we show no verification documents were available for this account from Comcast. Deletion of the credit reporting has been ordered, comfirmation # for the deletion request is [redacted]. Mr. [redacted] is welcome to contact Comcast directly with any additional concerns or questions regarding the file # [redacted]. Again, the file has been closed by Stellar and returned to Comcast as disputed.