Stellar Recovery, Inc.

Review: I am writing in regards to multiple violations Stellar Recovery has committed under both the Consumer Bureau of Financial Protection and the Federal Trade Commission. I do not have any debts, nor should I ever have any dealings with Stellar Recovery. However, Stellar Recovery completed a soft pull of my credit report on 4/30/13, which was not only an invasion of my privacy, but was done without my permission and knowledge. Additionally, and even more unethically, Stellar Recovery committed fraudulent billing, by placing another individuals debt of $240.00, onto my credit report. These actions clearly violate laws in the Fair Credit Reporting Act and the Fair Debt Collector Practices Act. According to the Federal Trade Commission, The Agencies have issued guidelines specifying the actions for furnishers to take to ensure the accuracy and integrity of the information they furnish to credit reporting agencies, as well as rules requiring each furnisher to establish reasonable policies and procedures for implementing the guidelines. Stellar Recovery never took actions to ensure the accuracy and integrity of my information. In addition, Stellar Recovery violated my rights as a consumer, ..with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. Because of Stellar Recoverys fraudulent practices, my excellent credit has been destroyed, and my husband and I are no longer able to complete a home transaction, costing us tens of thousands of dollars. I first learned of Stellar Recovery after reviewing our credit report, in preparation for a home transaction on 5/16/13. How shocked we were to find a debt from Stellar Recovery, an actual collection agency, for $240.00!! After calling Stellar Recovery the evening of the 16th, I was told by [redacted] that something really weird was going on with our credit. In further looking, she stated that the debt on MY credit report was actually a debt from another person! While Stellar Recovery has admitted wrongdoing, we have been told that due to my tarnished credit, we will not be able to proceed with our future home transaction. In addition to this, both my husband and myself have spent numerous hours in attempts to resolve this issue. Time used to rectify this situation has also forced us to take vacation time from our jobs. While I contacted Stellar Recover on 5/17/2013 to verify that this error was removed electronically, I was informed I would not be allowed written confirmation of this action. Additionally, I was told this correction could take up to 30 days.Desired Settlement: At this time I need immediate confirmation in writing from Stellar Recovery, that this issue has been resolved. In addition, I would like verification that TransUnion has received notification of this change. I expect my credit information to be fully restored to its original score. I have made a copy of this letter, and sent attachments to the appropriate authorities, in hopes to expedite an end to this transgression. If this violation continues to affect my credit score, and the current refinance of our home, we will pursue legal action to compensate for the loss of time, funds, and duress, that this situation has caused.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. On 01-28-2013, our office did receive a [redacted] file in the name of [redacted] for services at [redacted], Burnsville MN 55333 with a billing address provided by the Client as [redacted] MN 55424, which appears to be the address of the complaintant. Information was reported to the credit bureaus 02-27-2013 under our standard reporting procedures including the name, address provided by the client and social security information if available. This particular file had no social security # associated with the file, thus the name and address were the reporting information factors to the Credit Bureaus. On 05-16-2013, we received a call from [redacted] and she identified herself as the [redacted]'s brothers wife. She indicted that this information was being reported on her credit report in error. The agent with stellar immediately contacted a manager and the manager ordered an E-Oscar AUD deletion of the Credit Reporting on behalf of the consumer, [redacted] in order to correct this information. Stellar Recovery is a Data Furnisher to the Credit Bureaus and we reported the information based by our client to the Credit Bureaus, we do not know why the Credit Bureaus would report on either Ms. [redacted] or her husband's credit report but we did attempt to expediate the correction in the matter AUD deletion confirmation # is [redacted] and was completed on 05-17-2013 after our conversation with [redacted]. Under the FCRA, if an error occurs in the credit reporting, we do have 30 days to correct the error, the error in this case was reporting of this by the Credit Reporting Agencies.

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.

My dispute with Stellar Recovery has not been resolved. The [redacted] agent I spoke with at 3:10 pm on 5/20/13, reported that a debt from Stellar Recovery continues to be on my credit history, and my credit score continues to be subpar. We are attempting to complete a home transaction, and can not move forward due to the ineptness of Stellar Recovery. This error is causing us a loss of tens of thousands of dollars.

Again, Stellar violated laws under the Fair Credit Reporting Act and

the Fair Debt Collector Practices Act. The Federal Trade

Commission, has established guidelines specifying the actions

for furnishers to take to ensure the accuracy and integrity of the

information. Stellar Recovery violated these laws with regard to the

confidentiality, accuracy, relevancy, and proper utilization of such

information. There is no reason for the error made by Stellar Recovery. My first name, [redacted], last name, [redacted], date of birth, sex, address, all differ completely from the individual in which Stellar was attempting to collect a debt.

Stellar has made a huge transgression, and it has not been resolved.

Sincerely,

Business

Response:

Stellar Recovery has confirmed that an AUD deletion was completed on 05-17-2013, confirmation number is [redacted]. We are unable to control when the Credit Reporting Agencies process this request, but performed the deletion from our end.

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.

As of today, 5/23/13, at 1:50 pm, the TransUnion agent reported no record of Stellar Recovery's "AUD deletion". We have filed a dispute with [redacted], and will move ahead with further legal action.

Regards,

Business

Response:

The deletion request has been processed on our end, confirmation # [redacted]. There is nothing further Stellar Recovery can do for resolution of this matter, the Credit Reporting Agencies have been notified by AUD [redacted] Deletion.

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.

This information continues to be on my credit report. When we requested to speak to a manager on 5/16/13, we were denied access. This has not been resolved. You can continue to type the same response, but this does not resolve your wrong-doings.

Regards,

Review: I've been receiving numerous calls from this company over the last couple months. They claim I owe a $130 balance from a checking account at 5th 3rd bank. I have explained each time I have spoken to this company that I do not owe 5th 3rd any money, and that all my accounts there are closed and paid in full. I have also asked for validation of this "debt" however since nothing is owed, they are unwilling and unable to provide. The other day I noticed they have reported on my credit bureau as a collection account. When I do speak to this company, their agents just want to yell and say things like "you just don't want to pay your bills!" So not only do I believe they are unprofessional, they are attempting to collect a debt that does not exist.Desired Settlement: I want this account closed with Stellar recovery as well as the account that is reported to my credit bureaus deleted.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. On 04-09-2013, Stellar Recovery did purchase and place a Fifth Third DDA file under the name of [redacted] with a Checking Account balance through the Bank with a balance showing of $133.00. A demand-validation letter was mailed to the address we had of 1[redacted] PIttsburgh PA 15221. This appears to be a different address than provided to the Revdex.com. We are showing that we had conversations with Mr. [redacted] on 05-21 and 05-31, both agents indicated the consumer "screamed and yelled and made threats" I have ask for copies of these conversations to review. Our quality assurance team will evauate and audit each of these recordings to see if either of our agents was rude to Mr. [redacted] and will take any necessary steps to assure compliance with our company policies. We have closed this file as disputed, and have ordered deletion of the Credit Reporting as of todays date.

Review: on 10/25 I was told that in September I made a verbal agreement to pay them. That was a lie, I requested that they provide proof of the debt. It has been added to my credit report as a debt and no proof was given by them and I have not agreed to any payment arrangement.Desired Settlement: I would like a note added to my file that they where incorrect, I had not agreed to pay it, or I would like a copy of the recorded phone call when I did.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. On 08-22-2013, our office did receive a [redacted] file for services at [redacted], St Augustine FL 32092. It does appear that our first contact with the consumer was on 08-30-2013, the file notes indicate "Consumer stated he needed a letter sent to him so this can be paid." We do show that a demand letter was generated on that date and mailed to the address we had on this file. We also show that we had a conversation on 08-30 and then again on 10-25, the notes indicate that" he doesnt owe this debt and will not pay the debt." The agent closed the file as "all efforts exhausted." and the file was returned on 10-25. As a result of this complaint, we did request validation documents from our client for the purpose of review for this consumer, we were informed those documents are not available for this particular file. The file has been closed and returned to our client, the credit reporting has been requested to be deleted to all credit reporting agencies. If Mr. [redacted] has any additional questions regarding this file he is welcome to contact [redacted] directly at [redacted].

Review: I received a collection reporting on my credit report as of 11/2013 without any prior correspondence by phone, mail, or email from this company. I do not even know the company that they are representing to collect an amount of $918. If it was not for my due diligence reviewing my credit report, this company would have gone unnoticed reporting an unverified claim and causing a falsification on my credit score.Desired Settlement: collection verification and removal from credit report.

Business

Response:

[redacted] is in receipt of a complaint filed by [redacted]. On 11-07-2013, Stellar did receive a past due [redacted] account in the name of [redacted] (last name spelling is different) for services at [redacted] in the amount of $918.31, a letter was sent to the billing address in Calumet City. The social security number associated with this file ended in [redacted]. We had several phone numbers given as possible contact including [redacted], it appears we attempted to contact this phone number on 2 occasions. Credit reporting was orderd on 12-10-2013. Our records indicated that we did receive an e-mail on 12-23-2013, [redacted] indicating that she saw this on her credit and did not know who we may be representing and gave us the balance showing on her credit reports. Our administrative department marked the file and placed the account in validation status, requesting documents from [redacted] in regard to the account that would be forwarded to [redacted], when received. We also had an agent follow up with the e mail and contact was made on 12-23-2013, she indicated to the agent that she had been in contact with [redacted] and indicated that this may be a fraud account and they had ask her to file a police report, she indicated that she would fax over a copy of the police report to our office. The file was reviewed by a manager, after the call and was taken from validation status to closing the file as fraud. We have closed the file and notified [redacted] of the closure, we have also deleted the credit reporting on this file to all credit reporting agencies.

Review: Was calling to collect debt with no written notification, also spoke with my roommate and not me, the roommate identified that it was not me when posed with the question "Am I speaking with [redacted]?" the roommate said "no this is not" the call center debt collector then proceeded, after being informed it was not me, started to explain all debt and personal financial information to the roommate and my roommate kept informing them "you probably need to be speaking with [redacted], not me" but continued to press the issue and attempted to collect the debt from my roommate. The debt is now over 2 years old and they only started to attempt collection 7 days ago. Spoke with a supervisor "[redacted]" and he was very rude and ridiculed me for my concern about personal and financial information being shared with a 3rd party not me.Desired Settlement: At this point I will refuse any phone calls from Stellar Recovery and have contacted the creditor directly only to find out that it was an accounting error and that I will be receiving physical notification of the rectification.

Business

Response:

Stellar Recovery is in receipt of a complaint filed [redacted]. On 04-21-2014 our office was assigned a [redacted] file in the name of [redacted] for services at [redacted]. On 5-30-2014, we spoke with a person, attempted to identify the consumer, when the person indicated he was not [redacted], the agent offered to remove the number. According to the recording, the 3rd party then indicated that "he was the Better Half" and "I am in a relationship with him." the agent then gave information regarding the file in our office and the 3rd party indicated that billing was disputed and had no balance due with [redacted]. The agent then indicated that she could close the file as disputed and attempted to explain the process of dispute. At this point, the 3rd party asks to speak with a supervisor, the agent put the call on hold and the call ended before a supervisor was available. The 3rd party called our office [redacted] and spoke with a different agent and said he needed to speak with a manager as we just disclosed his "roomates" personal information. He further advised that he was recording the call and indicated that he would give this information to "[redacted], so he can sue you." Our records indicated that the original agent did close the file as disputed. On 06-03-2014, the consumer phoned our affice and again informed our agent that we had disclosed personal information to a 3rd party and believed that we were a scam and demanded to talk to a supervisor. A supervisor got on the line and again, the consumer threatened legal action, thought we were a scam and that he would pay [redacted] directly. The supervisor advised that the file came from [redacted], he was welcome to call [redacted] to verify that information, gave our web site information and attempted to answer his concerns. After reviewing all call, notes and speaking with our employees, we believe the 3rd party prompted our agent to give information as a "spouse" as the agent indicated she would take his number out, but the 3rd party continued to indicate that he was directly associated with the consumer as his "better half" and "in a relationship." Based on the "informed" information by the 3rd party, the file was properly closed as disputed. Our agents were not rude but always attempted to be helpful on all the recorded calls.

Review: A letter was mailed to [redacted], dated February 2nd, 2015, stating I owed $380.62, from Stellar Recovery, Inc.. I also received a notice that derogatory information was taken against my credit on this same date, without giving me the required 30 days to deal with the issue. 1. This is not my address and I have not lived at this address in 8 years. 2. The collections bill was from [redacted], from several years ago, which was supposedly taken care of by one of their representatives. 3. I'm tired of receiving notices for payment, and actions against my credit, I've relented and paid the bill, as this is extremely frustrating.Desired Settlement: Order a deletion of all derogatory information taken against my credit based on this collection.

Business

Response:

Stellar Recovery is in receipt of an inquiry received from [redacted]. Our records show that a [redacted] file was sent to our office on 12-31-2014 for a [redacted] for services at [redacted]. The ending date of the services shows the date of 7-20-2012 from [redacted]. We did send a collection notice on 1-31-2015 to the address on file. We also show that we attempted to call the phone number of ###-###-#### several times during this period, with no contact made. We show that the consumer paid this file in full on 03-02-2015 through our Payment Web Portal. We show no notice of dispute was received. Based on the information provided to the Revdex.com, we have notified [redacted] that the file is paid in full but disputed. The credit reporting has been ordered deleted, the confirmation # for the Deletion request is [redacted]. The file is paid in full, closed back to the client as disputed and the Credit Reporting has been ordred deleted.

Review: I asked them not to call me at work or during work hours, they do anyway from several different numbers and leave rude and threating messages.

Not sure who these people are since they never properly identify themselves, when we did speak briefly I asked them not to call me during my work hours and to send all correspondence in the mail and I would take care of whatever it when when I HAD THE FUNDS. They haven't sent an itemized bill, they continue to call and leave threating messages and I want them to STOP. These people don't no how to negotiate and aren't willing to work with their clients. They need to send a bill I n the mail PERIOD to [redacted]Desired Settlement: To send me documentation of matter to [redacted] To stop calling me harrassing me several times a day while I'm at work. Negotiate a payment plan and learn to work with me instead of being rude and threating.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. On 02-03-2012, our office did receive a past due billing from [redacted] for services at [redacted] for [redacted]. The file history does indicate that messages were left at several different numbers associated with the file but we do not show any actual contact was made on the file and that we were not notified that calls should be retricted to her place of employment. Ms. [redacted] did not provide the owrk or home numbers that we may have called in her complaint, so we can only assume the numbers we have on file are place of employement or home numbers. We do send out a letter once contact is made with the consumer, we do not show to date that contact was made. Ms. [redacted] has also ask for validation of the debt, we did request these documents from our client and have been informed that the documents are not available or this file. Once we request validation and it is not available, our policy is to close the file and return it to the client. The file was closed today and returned and all credit reporting has been ordered to be deleted. Ms. [redacted] is welcome to deal directly with [redacted] going forward regarding this billing.

Review: Currently serving overseas (Italy) since May 2013. on 27 June my credit monitoring system alerted me of a collection for $30 from Stellar recovery. I have never received a document letter or call from anyone for the debt or any additional information. No one made any attempt to contact me thru any avaialble means of communication.Desired Settlement: Eequest explanation of charges and request for current collection be removed from credit report.

Business

Response:

Stellar Recovery is in receipt of an inquiry by [redacted]. Our records indicate that our office did receive a past due billing for [redacted] on 05-21-2014 in the name of [redacted] for services at [redacted], a demand letter with validation notice was mailed to the address on 05-22-2014. Today, we also received an e mail at 4:27am from this consumer asking for additional information regarding the file in our office. Our office responded at 8:48 am with information we had on the file. We also received a response at 9:40 indicated that the address was his former address, had not received any forwarded billings from us or [redacted] and indicated that he had visited the [redacted] office personally to close the file. Based on the information, we closed the file as disputed and will return it to [redacted] with the information provided. Credit reporting as been ordered deleted on this file. We then received this inquiry from the Revdex.com. We believe we properly responded and reacted to Mr. [redacted]'s concerns regarding this file. The file is closed and returned to the original 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.

Regards,

Review: Daily phone calls to someone who doesn't live here. ( wrong phone number ) and no way to resolve the problemDesired Settlement: Take my phone number off of the call list.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted] regarding the calling of a wrong number. Our investigation shows that we did receive the phone number of ###-###-#### as a contact number for a [redacted]. We do not show that any notification was provided that we may be calling a wrong number. The number has been removed from our system and placed into our internal do not call list. We certainly apologize for the wrong number calls made.

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: Stellar Recovery, Inc illegally submitted a claim to credit bureaus of a non payment when in fact still have service with company being argued on "[redacted]". This was not an ethical way to destroy my credit report.Desired Settlement: Remove collection from credit reports

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. Our records indicate that a file was placed into our office in the name of [redacted] (ss# ending in [redacted]) on 12-29-2012 for services at [redacted]. We show that a demand and validation letter was mailed to the consumer at the address provided by our client on 4-2-2013. We show that no contact was made with this consumer. We did ask for any validation documents from our client today and were informed that these documents were not available, we have closed the file and forwarded a closure letter to this consumer at the address provided in the Revdex.com complaint. We have returned this file to [redacted] as disputed and we have ordered deletion of the credit reporting, confirmation number for the deletion is [redacted]. The original [redacted] file number was [redacted], and the consumer is welcome to contact [redacted] with any future questions regarding this file. Again, the file is closed, a closure letter has been sent and deletion has been ordered to all credit reporting agencies.

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: Derogatory statement for "in collections" appeared on my Credit Report circa 3/10/15. No telephone or written contact was ever made by this company, and I challenge their rightful status as a "collections agency" on an alleged debt which was never pursued by the issuing company/entity.

This company is well-known for 'purchasing' debt which has been written-off by original debtors in an attempt to make money, and offering contact only via robo-call/automated calls.

This alleged debt "in collection status" appeared on my Credit Report without warning, without official contact, and without any contact from the SRI company or agency representative at any point during the past 2.5 months.

I allege that this is a false attempt by a disreputable company to collect a non-existent debt!Desired Settlement: Immediately remove this "in collections" or "in collection status" from my Credit Report, and do not make any further attempt to contact me, nor to collect this debt.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. Our records indicate that a Dish Network file was placed in our office 03-10-2015 in the name of [redacted] (SS # ending in [redacted]) for non return of equipment at a service address of [redacted]. Our records show that multiple letter were sent on this file including dates noted of 4-10-2015 and 05-08-2015. We also show that 9 phone attempts were made to the home number provided of [redacted]. The collection appears to be unreturned equipment (3 pieces total). We have forwarded a copy of the final invoice from Dish Network to Mr. [redacted] at the address on file. We also note that the consumer has ask "do not make any further attempt to contact me, nor to collect this debt." For that reason, under the FDCPA we have marked the file as "cease and desist" and will forward the file back to Dish Network. We do not own this file as reported by the consumer. The file is closed.

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.

My research indicates that this account was

closed and marked ‘written off’ by Dish Network years ago. Further, the SRI

allegation that multiple letters were sent is a falsehood. I received NO

CONTACT prior to the account showing up as ‘in collections’ on my Credit Karma report, I received no correspondence of any type afterward, and any phone calls

which may have been placed to my cellphone resulted in no voicemail messages

from SRI informing me of the purpose of such calls.

SRI's response indicates that they marked the file as “cease

and desist,” marked the account as “closed,” and returned it to Dish Network.

However, I have just checked and the information still appears on my Credit

Karma pages as a debt ‘in collections’ from SRI on both Transunion's and Equifax's report. Per my rights under the FDCPA, this

information MUST be removed from Credit Report with each of the three major agencies, and all links or access to it

deleted.

I again allege that this was an attempt by

SRI to collect a non-existent debt, and that their actions/reports are false and

unethical.This matter remains open until my request for removal of the

Derogatory Remarks and the “Collections Status” of this SRI account is fully

and completely removed from all three of my Credit Reports.

Thank you.

Business

Response:

Stellar Recovery has received additional concern related to a complaint filed by [redacted]. Mr. [redacted] is correct that this file was charged off by Dish Network. When an account is charged off, this is what triggers and begins the collection cycle, it does not mean that the account is no longer due and payable. Our records do show that 2 letters were sent to this consumer and calls were attempted to the phone number provided by Dish Network. As stated, we have closed this file in our office and have returned it to our client, Dish Network. This does not mean that collection efforts will stop, Dish Network may refer this account to another agency in the future, only that Stellar will no longer attempt collections. We have ordered deletion of the credit reporting, the consumer will need to allow the credit reporting agencies to process this request. An future references to this file should be directed to Dish Network.

Consumer

Response:

Revdex.com,

I have reviewed the response made by the business in reference to complaint ID [redacted].If SRI has, indeed, ordered that the "in collections" status and Derogatory Statement be removed from all three Credit Reports, then this resolution is satisfactory to me.

Regards,

Review: I checked my credit report and discovered that Stellar Recovery has listed a collection account in my name. I have no idea what this is for, and want the account closed immediately.Desired Settlement: I want this collection account closed and removed from my credit history.

Business

Response:

Stellar Recovery is in receipt of an inquiry made by [redacted]. Our records do show that a file was placed in our office from Century Link for services at [redacted]. We show that a demand letter was mailed to the consumer on 02-14-2015 to the [redacted] Address. We further show no direct communication with the consumer. Based on the Revdex.com inquiry, we have requested validation of the debt from Century Link. During the Validation period, we do delete the credit reporting. Once we receive the validation, it will be mailed to the consumer for review. If validation is not available, the file is closed and a letter of closure will be mailed to the consumer.

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 continue to dispute that I owe anything further to CenturyLink.

Regards,

Review: I am extremely disappointed with this issue. I am in debt with over $400 because of this account that was opened without my consent. I have had debt collectors call and harass me over this. I have tried disputing this matter, yet they continue to leave it in collections on my credit report. I would please ask for this account affecting my report to be removed. They have failed to do so and do not meet the FCRA Requirements. I am considering filing a lawsuit against this company if it is not resolved immediately.Desired Settlement: I would please ask for this account affecting my report to be removed.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. Our investigation shows that a file a [redacted] was placed in our office on 4-4-2012 for Services in the name of [redacted] at [redacted]. We do show that a demand letter was mailed to the address we had on file on 4-8-2012. We do not show that we had a contact phone number and we show no correspondence directly from the consumer regarding this file. On 7-4-2015, we did receive a notification from the Credit Reporting Agencies that indicated this was a disputed file and updated the address for the consumer to [redacted] and another letter was mailed to the address on 7-6-2015. The file was marked as disputed from the notification from the Credit Reporting Agencies and deletion of the credit reporting was also ordered, confirmation # [redacted], the file has now been returned to [redacted] as disputed.

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 have the last 12 months of my comcast bill all paid on time and in full and in June of 2015 I was placed in collections for Comcast I just had an hour phone call with Comcast and they couldn't find any information about sending me to collections. 372.00$ I currently still have Comcast and my bill is zero dollars I would like it to be addressed that they have me in collection and I be removed from stellar recovery again Comcast has no records of sending me to collectionsDesired Settlement: I'm working on my credit and this doesn't belong on my credit so I need it removed off of my credit

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. Our investigation shows that a file was placed into our office under the name of [redacted] (SS # ending in [redacted]) for Comcast services at [redacted] on 4-28-2015, the original Comcast account # was [redacted] and a letter was mailed to that address on 4-29-2015. We believe this may be a wrong listing being reported by the credit reporting agencies as the name appears to be different. We have ask for validation documents to be provided by the client. [redacted] is welcome to e mail confirmation that they are not this consumer to [redacted] and we will make sure this is corrected. We have ordered deletion of the credit reporting during this investigation.

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 its promptly removed from my credit history

Regards,

Review: This company is reporting on my credit a collection that I have never incurred. I have sent them several letters requesting the following information.*Itemized statement of all charges and credits on the above mentioned account from the date the account was allegedly opened to current date to substantiate the amount that you are attempting to collect*Proof of assignment of the alleged debt from the original creditor, or proof of your purchase of alleged debt from the original creditor*Statement confirming that no part of this debt was paid by an insurance claim or used as a write off for taxation purposes*Provide a copy of an original executed contract that contains my signature, where I agreed to this debt.*Provide copy of HIPAA authorization furnished by the original creditor (If Medical)The recent review of my credit reports is the first time that I was made aware of this account. Additionally please provide proof of your timely notification as required by law prior to you placing this account on my credit report.I have sent them several letters to the [redacted].And they have failed to respond to my request. The partial account number on my credit report is [redacted]Desired Settlement: I feel the reporting of this account is violation my constitutional rights! I feel the immediate deletion of this account is the only proper resolution.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. On 05-16-2013, our office did receive of [redacted] file in our office for services at 3[redacted] in the amount of $19.85. This consumer claims they have mailed us "several letters" demanding validation of this debt. We show no records of receining one or several letters to our office to date. We know of no notification for credit reporting as a data furnisher that is necessary under the FDRA. A demand letter was not sent on this file as our policy with this client to send such a letter at the point of contact per the FDCPA requirments. We made contact with our client to request validation documents and have been told the documents are not available for this file. We have closed the file as a result of not being able to furnish these documents, which is our policy. We have also ordred deletion of the Credit Reporting to all Credit Reporting agencies, we ask that [redacted] allow time for these agencies to respond to our requsts for this deleion. The file has been returned to our client and is now closed in our office.

Review: This company contacted my home a few weeks ago looking for my mother. I stated she did not live at this home and asked how they acquired my phone number. The woman on the phone stated, very rudely, well your mother gave your number as a point of contact. I stated that was not the case, and the woman continued to be rude. I told her not to contact this number again as my mother did not live here. I disconnected the call and then contacted my mother, who stated my sister had called her and stated she received a similar phone call. Today, July 19, 2013, I received another phone call from this company asking for my mother. I stated, once again, she does not live here. The gentlemen then asked where she could be reached. I asked him how he got my number, and he then asked me if my name is [redacted]. I was trying to ask him how he knew my name, and he had disconnected the call. I then called back to let them know again to not call this number and the woman was very rude and stated my number would be removed. She stated if I were to receive other calls to just disregard. I believe they do not have any right to obtain my personal information as I have nothing to do with why they are trying to contact my mother, and to their operators are very rude. Also, when they call, I found out they are located in different states, but my caller ID will show a local number, which results in my answering the phone. I am not happy about being contacted by this company.Desired Settlement: I do not want them to contact me again. I think people should be aware of their practices, and the company should make sure their employees are acting professionally when they contact the public.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. Ms. [redacted] indicates that we called her telephone in an effort to reach her Mother. We have attempted to locate the only phone number given in this compliant, which is ###-###-####, we do not have this number in our system or in the history of our system. Ms. [redacted] also did not supply us with her Mother's name and we have been unable to locate the file in question. If there is another number we may be calling, we will be happy to investigate and make sure it out of system. As a matter of informantion, our industry does purchase certain phone numbers that may be "associated" with the consumer we are attempting to contact, sometimes, these numbers could be family members or business associates and we are allowed to ask these third parties to take a message or probe for contact numbers. It is also our policy, once we have spoken to the third party and they are ask if they know a contact or not, to politely remove the number as we are not allowed to continue calls. If Ms. [redacted] can identify the number we are calling, we can certainly investigate to see if our employees were rude, they are trained to remove these numbers as wrong numbers. Also for inforamtional purposes, our dialer systems do use "local" trunk lines throughout the Country and the phone numbers could come through as local exchanges as they are, these numbers are callable and will direct the consumer back to Stellar Recovery via a local line. If Ms. [redacted] would like us to continue the investigation she can provide the phone number we were calling or she is welocme to call me directly at ###-###-####, ext [redacted] or e mail me at [redacted]. We do apologize for the inconvienience these calls may have made and we do train our employees to be customer service when we deal with these wrong, non direct numbers for consumers.

Review: Stellar Recovery Inc. has been calling me to collect a debt in 2013 from March 1, 2005 (debt to U.S. Bank). They claim I owe $23,537.37. The statute of limitations in Minnesota is seven years which means they cannot legally collect on debt past September 26, 2006 but they have been. Theyve been calling me (twice now) and saying theyll take action if I dont pay. Im on full social security disability and I told them this but they are still trying to get me to pay. Theyve never sent me a validation of the debt, though I asked for one on 9/20/2013, they called me that date and then again today (9/26/13). I want to know what my legal options would be. Thank you. (One of the numbers they called from: ###-###-####).Desired Settlement: I would like this company to stop illegally trying to collect on a debt past the statute of limitations in Minnesota.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. On 08-26-2013, our office did receive an "aged file" in the name of [redacted] that originally was a USBank account. Under the FDCPA, debt buyers and their agencies can attempt collection on accounts that may be out of the Statute of Limitation, however, they cannot process any "legal" action on the file and we do not report the files to the Credit Reporting Agencies. Our policy is to make contact, if possible, and see if the consumer is willing to voluntarily pay the past due billing, if not, we close the file and return it to the current owner of the file. It appears we did speak with Mr. [redacted] on 09-19-2013 and he indicated he was on disability and unable to pay anything, the file was closed. We also spoke to the consumer on 09-26-2013, at that time, he indicated that his wife was a former collector and we are unable to collect on this debt, the agent tried to indicate that the file was returned to the client. This file has been closed and returned to the client.

Review: I received a call about collection of a debt that I assume is the same debt that I have disputed with other debt collectors who sold it off to these clowns. They keep calling my phone and not leaving a message.Desired Settlement: Proof of debt, and then when then don't have it like every other one of these scammers doesn't have it, expunge the record from my credit score. And never call or contact me again.

Business

Response:

Review: Stellar Collection placed a collection account on my credit report. I have sent them a certified letter asking for validation of the debt, including the following information.What the money you say I owe is for;Verification or copy of any judgment if applicable;Identify the original creditor;Show that you are licensed to collect in my state; andProvide me with your license numbers and Registered Agent.I have received no information from them with regards to this and yet I still have an active collection on my credit report, which recently impacted me when I obtained a new auto loan. I have contacted them and even offered to pay to the account (which I am disputing) just to remove this from my credit report, but they refused to do this. I do not owe them any money and have contacted Comcast and they show my account balance as ZERO.This company is negatively impacting my credit score and has shown zero cause for having a valid reason to be doing so.Desired Settlement: I would like this removed from my credit report ASAP. I will also be following up with the Washington Attorney Generals office as well as the Montana Attorney Generals office. I do not owe this company any money nor have they shown that they should be able to place this collection on my credit report and harm my credit score.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. We have completed our investigation and have reviewed the file history and audited all recordings. On 07-13-2013, our office was assigned a past due ComCast account in the name of [redacted] for services at [redacted]. Our records indicate that we spoke to Mr. [redacted] on 09-13-2013, he indicated that he was willing to pay this bill but insisted that it also be removed from his credit report, the Agent properly instructed Mr. [redacted] that Stellar does not provide a "Pay to Delete" policy for these accounts, that once paid, it would properly be reported as paid in Full to all Credit reporting agencies. Mr. [redacted] also spoke with a manager of Stellar on that date and "Challenged our ability to Delete. He indicated that he would contact ComCast and hung up the phone. We spoke again with Mr. [redacted] on 10-03-2013, again, he insisted that he wanted to pay off this account but also wanted this deleted from his credit, the agent again indicated that we would not delete the credit reporting but would update the status to paid in full. Again, Mr. [redacted] indicated that he would "go about this on another route". and terminated the call with our office. On 10-12-2013, we received notification from ComCast that a payment in full was made on this account, the balance was documented as paid in full and we began to report the file as "paid in Full" to the credit reporting agencies beginning on 10-14-2013. On 10-21-2013, we received a written notification from Mr. [redacted] demanding validation of the debt and a "cease and desist reguest. The file had already been paid in full and returned to Comcast, there was no requirement to provide validation at that point and no contact would be made as the account was closed. Mr. [redacted] never indicated to any agent with Stellar Recovery that he was disputing the account, only that he was willing to pay the account for deletion to the credit reporting agencies, however, in the Revdex.com complaint, he now indicates that the file is disputed. For that reason, Stellar has requested an AUD manual deletion of the credit reporting, confirmation # is [redacted], please allow time for the reporting agencies to process this manual request.

Review: This company called me to collect a debt that was both disputed with the original lender and well outside the [redacted] 7-year collection window. Possibly [redacted] violations as well. These laws exist for a reason.Desired Settlement: I would like this company to put it in writing that 1) they have attempted to collect a debt in full knowledge that it was greater than 7 years old; 2) a short apology; and, 3) a promise that I will not be contacted again.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. On 05-22-2013, our office did receive a file for collection from a Debt Buyer with the original creditor as [redacted] that showed a charge off date of 06-30-2006. We do have clients that placed these aged files in our office. We are allowed to attempt collections on these aged files, we do not report to any credit reporting agencies, not do we discuss any legal action on the files. Our intent on these files is to see if the consumer has interest in paying their moral obligation , if they have no intentions, the agent will simply close and return the file. It appears we spoke with the onsumer on 1-27-2014 and the consumer said he has no intention of paying the bill, the agent closed the file as "all efforts exhausted." and the file will be returned to the client. There are never been any reporting to a credit reporting agency on the aged debt.