Stellar Recovery, Inc.

Review: As part of an effort to collect a debt on behalf of [redacted], Stellar Recovery reported a debt to the credit reporting agencies in June of this year, stating the debt was from April 2013. The debt is in the amount of $155.00. I have never received any notices prior to this and was not notified before they reported to the credit bureaus. I do not have any knowledge of this account. I have used a different cable provider for over 5 years. This debt is not mine. I would like it removed from all three of the bureaus immediatley.Desired Settlement: Confirmation that this is not my debt and removal from all three credit reporting bureaus immediatley

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. On 04-25-2013, [redacted] did place a past due billing for a [redacted] (ss# ending in [redacted]) for services at [redacted] and was charged off in Sept of 2009. The date of April 2013 on the credit report is the date Stellar Received the file, not the charge off or service date. Our file # is [redacted]. We have ordered validation documents for the file and we will mail the documents to the consumer once we receive them from [redacted]. During the validation period, deletion of the credit reporting will be ordered. If validation documents are not available, the file will be closed and returned to [redacted] and a closure letter will be mailed to the address we have on file in [redacted]. If Ms. [redacted] has any questions regarding this file, she is welcome to call our office at ###-###-#### and speak with one of our agents.

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. Since I do not believe this debt to be valid I do not have any documentaion for the business/collector in question.

Regards,

Review: I received a notice from [redacted] that I owed [redacted] $57. I left 3 messages for Stellar to call me back. I paid the $57. I sent Stellar an email from their website and it failed to reach them, meaning it bounced back with a message "no such email exists. I went to [redacted] maps to verify the business and it shows a deserted [redacted] Store. I called today and finally got someone to answer their phone. They claim to be legitimate. I asked the clerk to send me an email showing a Stellar address and she refused to do it. Did I just give them $57 dollars for know reason at all. I am going to call [redacted].Desired Settlement: My money back?

Business

Response:

Stellar Recovery has received an inquiry from [redacted]. On 04-09-2013, Stellar Recovery did purchase a Demand Deposit Account originally from [redacted] Bank in the name of [redacted]. On 04-24-2013, we did receive a payment made on our Web Site for the full balance of $57.29. We are not sure why Mr. [redacted]'s E mail inquiry would have been returned, we received hundreds of e mail from our web site everyday. Stellar Recovery has two locations, one in Kalispell Montana and another in Jacksonville Florida, we checked our "[redacted]" listing and it does show the Kalispell location, we are located at [redacted] and have been there since March of 2010, we own the building in which Stellar Recovery is a tenant. There are no [redacted] stores in the immedaite area? We will have a paid in full letter sent to Mr. [redacted] for the file # [redacted] to the address we have on file, which is the same address as is on the Revdex.com inquiry. If Mr. [redacted] has any addtional questions, he can respond to [redacted]

Review: Debt collector was very unprofessional and threatened to garnish wages which is a false statement. The collector was very rude and raised his voice at me and would not allow me to talk and hung up on me.Desired Settlement: contact the agency

Business

Response:

Stellar Recovery is in receipt of a complaint filed by *. [redacted]. We would be happy to investigate this inquiry but are unable to locate the specific filed based on the information supplied to the Revdex.com. We have over 250 *. [redacted]'s in [redacted] with none showing at the specific address given to the Revdex.com. If *. [redacted] can provide more information, we will continue our investigation of the claim.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

Regards,

*. [redacted]

The business refused to acknowledge me as a customer when they are well aware of my account and current address.

Review: Stellar Recovery has been calling my job (###-###-####) and I have already told them by phone and by letter that I cannot receive phone calls at work and to cease and desist. I do not want any calls from this company at my job or on my personal phone. They call every few minutes and I consider it harassment. I have told them they need to communicate with me ONLY by mail.Desired Settlement: I want all the calls to STOP. If they need to communicate with me, it needs to be by MAIL ONLY! I cannot receive personal calls at work. I have relayed this to them and they keep calling. I even have messages from them on my vmail at work. I am on my last warning at work. I need all calls from this company to STOP.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. Our records show that a [redacted] file was sent to our office on 09-15-2014 for a [redacted] for services at [redacted]. We show this was a secondary placement and was placed with a previous agency before we received the file in mid September. The phone numbers of ###-###-#### and ###-###-#### were attached to the file and supplied by the creditor as contact phone numbers. The number ending in [redacted] was called 7 times and the number ending (identified as a work number) was called 4 times. We do not show the calls were made "minutes apart", no mutiple calls were made on any day since placement. We pulled all recordings and do not show that we have been notified by this consumer not to call the numbers in question and we have no record of any letter received from the consumer. We did mail a letter to the address on placement of the file in our office. The complaint indicates the consumer wishes us to cease and desist phone calls, we will honor this request and have closed the file as cease and desist and will notify our client of the closure and request by the consumer. If Ms. [redacted] wishes to discuss this file in the future, she is welcome to make contact directly with [redacted] as we have closed the file and returned the file to our client.

Review: I have bought a new cell phone number and this company keeps calling me looking for someone. I have call them a number of times but they just won't stop calling me.Desired Settlement: For the company to forever stop calling me everyday

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted] regarding the calling of a wrong number. The number of [redacted] was in our system as a contact number for [redacted] and was called 3 times. Our records indicate that at 4:04 pm, on 11-11-2014, one of agents took an inbound call from this number, was told this was a wrong number and removed the number from our system and placed it into our internal do not call list. We apologize for any wrong number calls made to this number, our agent properly removed the number when we were notified.

Review: This letter is to alert you that your agency is out of compliance with the Fair Credit Reporting Act and immediate action is required.

Date: January 21, 2015

Regarding: [redacted]

DL#: (IN) 0 [redacted]

VIOLATION: I have yet to receive verifiable proof (i.e., evidentiary factual data supporting my assent and signature and contractual obligation) as required by Sections §609, §610 and §611 of the Fair Credit Reporting Act (FCRA) on account # [redacted].

Without this verifiable proof it is illegal for you to report this account as delinquent to any credit reporting bureau, and furthermore, it is illegal for you to continue attempts to collect this debt.

Under title 15 U.S.C. Sec. § 1681i, and § 609 of the Fair Credit Reporting Act (FCRA), specifically under the Consumer Disclosure section, you must complete your investigation within 30 days of receipt of this letter.

That said, this is not a request for a reinvestigation in this matter; this is a demand that you fulfill your obligations as set forth above and immediately disclose to me all information in your files for the account described above.

Please immediately report any information that your organization cannot verify to Equifax, Experian, Transunion and all other credit bureaus as invalid, or submit a legal request to all relevant credit bureaus to modify information that is incorrect or incomplete.

Once you have processed this request, please send me a formal deletion letter. If you are unable to add to or remove this information from my credit report, please send me a written explanation along with all of the legally required documentation (i.e., evidentiary factual data supporting my assent and signature and contractual obligation) as required by Sections §609, §610 and §611 of the Fair Credit Reporting Act (FCRA) on account #[redacted] Please note that non-compliance to this demand letter will be prosecuted to the fullest extent permitted by law.

Unless you do this within 30 days of receipt of this letter, I will refer this matter to the Attorney General and seek civil damages pursuant to Sections §616 and §617 of the FCRA.

Thank you for your prompt attention to this vitally important matter.

Sincerely,

[redacted]Desired Settlement: This needs to be removed from my credit history immediately, and I should be in receipt of a check from your agency in the amount of $90 to pull a 'rapid rescore' of my credit history for this account as this has falsely been reported (again!) And I am having to (yet again) dispute this information with (again) no evidence for the charges for which you are collecting. (This is in direct violation to FCRA and reasonable business activity practices.)

Business

Response:

Stellar Recovery is in receipt of a "demand for validation" from [redacted] throught the Revdex.com. Our records indicate that a past due file was sent to our office from [redacted] for a [redacted] on 12-1-2011. This file shows a Balance Due of $179.44 for services at [redacted]. Our records further indicate that we have had no contact with this consumer since the placement date of this file on 12-01-2011, although a letter was mailed to the [redacted] address upon placement of the file. Per the request made for validation through the Revdex.com, we have updated the address and mailed the validation documents today. All collection activity and reporting ceases during the validation period. Mr. [redacted], upon receipt of the validation documents, is welcome to contact either Stellar Recovery or [redacted] regarding this file.

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.] I am writing in response to ID # [redacted]. I did not happen to see the response from Stellar recovery on the 22nd of January, but had seen only the notice of that same day to expect response within 10 business days.

Review: I receive multiple calls per day from Stellar Recovery. They leave extremely rude / threatening messages regarding a [redacted] account which was closed several years ago (and paid). At times they call from the SAME number but say they are with a legal office instead (misrepresenting themselves). I have NEVER received anything in writing from this company. I had a collection appear on my credit report all of the sudden and THEN the calls started. I have filed a dispute with each of the credit bureaus as well. I have asked them more than once to remove the entry from my credit report (with all bureaus) and the person on the phone actually laughs then hangs up.Desired Settlement: The outcome I would like is for the item to be deleted from all three of the credit bureau reports immediately and for this company to stop contacting / threatening me.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. Our records indicate that on 12-23-2014, we did receive a past due file from [redacted] for a [redacted] for services at [redacted]. A demand letter was mailed to this address on 12-24-2014. We have performed an audit of this file and ask for any recordings associated with the file, we do record any outgoing or incoming calls on each file. The audit shows that 16 calls were made between 12-26-2014 and 02-7-2015. There were no multiple day calls and NO messages were left for the phone number [redacted]. There were no inbound calls received on this file. No Messages were left from Stellar Recovery. There has been no notification from the Credit Reporting agencies that a dispute was reported for this file. We have ask for [redacted] to validate this account and they have supplied invoices that appear to validate this debt. We have mailed these documents to the consumer for review to the address on [redacted]. The consumer has ask that no further calls be made on this file, we have restricted the file, closed the file as "Cease and Desist" and will return the file to [redacted]. Ms. [redacted] is welcome to contact [redacted] directly with any future questions regarding this file. All Credit reporting has been ordered deleted, confirmation of the deletion is # [redacted].