Stellar Recovery, Inc.

Review: Have repeatedly requested a copy of all billing for the basis of their repeated calls to collect a debt. They will NOT comply and offer to me.

I have received phone calls from ###-###-#### repeatedly - days on end. I've answered before and requested that they provide a statement to me for the billing that they are calling to collect from me. They REFUSE to do so. So, if they refuse to provide an itemized statement to me, explaining what they are contacting me for - then they need to cease communication altogether. I've also send in (twice) contact forms on their website advising that they need to send a statement to me. Instead, they just continue to call, with no statement provided.Desired Settlement: Provide a detailed, itemized statement explaining all charges that Stellar Recovery has been charged with collecting from me. Once I have a copy of this statement, I expect a call from ONE agent (not an endless cycle of agents that don't know me from [redacted]), to discuss my options for paying.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. ON 01-21-2014, our office did received a [redacted] account in the name of [redacted], will a billing address of [redacted]. Our records indicate that we spoke with the consumer on 02-04 and she indicated she had moved to a place where they did not allow [redacted]. She indicated that she would be discussing the payument options with her spouse. We do not show any request for validation either verbally or in writting. We also show a call on 02-11 and she wouldnt speak with any agent except the original Agent [redacted], who was not available. We have place the file into validation status and will forward documents from [redacted] in the near future. The account will be put on hold during the validation period.

Review: I obtained my credit report in October of 2014. I found that Stellar Recovery had been listed on my credit report. I didn't authorize them to be listed and I researched the Fair Debt Collection Practices Act (FDCPA) and they were in several violations. As of last month they were listed on my credit report for 14 months. I sent them certified letters on November 20th and December 17th of 2014 and I have yet to receive a response. They didn't validate with the debt within the 20 days I initially gave them. They also didn't contact the three major credit bureaus and notify them that I disputed their listed on my credit report. I have also contacted the three major credit bureaus about Stellar Recovery's below violations.

According to FDCPA Section 811 (a)(2), a collector must be in the county in which the consumer lived at the time when the original contract was created or the company will be fined.

According to FDCPA Section 809(b), FTC opinion letter, Cass from LeFevre, a collection agency will be fined if the company has not validated the debt and the company still continues to report it to the credit bureaus.

According to FDCPA Section 807(8), if a collection agency fails to report a disputed debt to the credit bureaus they will be fined.Desired Settlement: Every month that Stellar Recovery was listed on my credit report it hurt me financially. It lowered my credit score. I was trying to contact them to get answers but they ignored my lawful and legal requests. As of right now they violated at least three of FDCPA 811(a)(2); 809(b); and 807(8). I will give them another five business days to respond. This is unacceptable and illegal.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. Our records indicate that we did receive a past due billings from Comcast for a [redacted] on 10-12-2013 for services at [redacted]. Our records further indicate that we had no contact with the consumer until we received a request for validation via mail on 12-01-2014, our office noted the file as such and the file was placed in validation status and documents were requested from the Client. (there is no 20 day requirement to provide these documents under the FDCPA). All collection activity including reporting of the debt ceases during the validation period and our records do indicate that deletion of the credit reporting was ordered on 12-05-2014. While the file was on hold waiting for validation documents, on 12-22-2014, we received a copy of an ID Theft affadavit and a letter from the consumer claiming this file was Fraud. Once we received the Fraud claim, the file was then closed as fraud and the file was ordered to be returned to the client with the fraud information enclosed. (This would supercede the validation request, as the Fraud closed the file and returned it to the original client.) Again, Stellar processed properly all written requests made by the consumer regarding this file in our office. The file is currently closed (our file # is [redacted]) and no reporting to credit reporting agencies is being done. If the consumer has further questions, she is welcome to call Comast and reference file # [redacted].

Consumer

Response:

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

Revdex.com,

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

Stellar Recovery benefited by having access to my credit report for 14 months in direct violation of the Fair Debt Collection Practices Act (FDCPA) failing to verify the disputed debt. They ignored my written requests and didn't respond and had access to my personal and financial information for 14 months. Their response to you is the first time I have heard anything from them. Their chronology is incomplete. Stellar Recovery was in violation of FDCPA. After review of their response, I will not accept their failure to comply with the law for 14 months.

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

Regards,

Business

Response:

Stellar Recovery has received "additional concerns" from [redacted]. We see no violations of the FDCPA or FCRA in reporting the debt that our client indicated was due, we are a data furnisher under the FCRA and properly reported, we are not sure what "Benefit" was associated to Stellar by the reporting on behalf of our client as required. We did not ignore any written requests, we properly documented the file when we received a validation document and requested validation documents from our client. When we received notification of fraud, the file was then closed as fraud and returned to our client. We certainly did not ignore any document provided by the consumer.

Review: Upon review of my credit report I noticed an account in collections from Stellar Recovery placed in November of 2014. I found this very interesting as I had not received any phone calls or written information from them regarding the alleged debt. When I contacted Stellar Recovery the first time the agent was unable to locate the supposed account or provide any information. I was then told that due to the fact they could not locate the account the trade line would be removed from my report. A couple of weeks ago I was attempting to buy a car and found the Stellar Recovery collection was still being reported. Upon contacting them a second time I was informed, after various attempts to locate the information that this was a Comcast bill dating back to 2009. The agent could not provide any other information. This account was closed and paid in full with Comcast in 2009. When I asked why I had not received any calls or letters to the alleged debt the agent said it was sent to the address on file. I have not lived at that address since 2009. I then asked for a letter to be sent to my current address so I could dispute and was told they could not do that. I wish for Stellar Recovery to be removed from my credit report with all 3 bureaus immediately. I contacted the original creditor Comcast and they were unable to provide any details on this account. In my view this is fraudulent and Stellar Recovery has not followed the FDCPA.Desired Settlement: Complete removal of Stellar Recovery collection account on my credit report for all 3 credit bureaus.

Business

Response:

Stellar Recovery is in receipt of an inquiry made by [redacted]. Our records indicate that a file from Comcast was sent to our office on 09-12-2014 for a [redacted] with a service address of 3[redacted]. These services were charged off on 03-03-2009. Our investigation shows that we did send correspondence to the address we had been provided by our client and attempted to make contact by phone with numbers also provided by the Client, but we do show no contact was made until the consumer phoned our office on 2-23-2015. The consumer indicated, according to the notes from the Agent that he returned the equipment and paid the bill owed to comcast and owed nothing and was disputing these charges. The Stellar Agent noted the file, closed the file as disputed and ask for the file to be returned to Comcast as disputed. The credit reporting was also ordered to be deleted after the call and was processed through our system on 02-26-2015. Based on the Revdex.com inquiry, we have also performed a manual deletion request dated today (03-03-2015) , confirmation number is [redacted]. Mr. [redacted] is welcome to contact Comcast in the future regarding this file, the original comcast account number was [redacted]. The file has been closed as disputed and returned to our client, the credit reporting has been ordered deleted.

Review: I received neither US mail notification nor any phone calls from Time Warner Cable informing me that I owed a balance of $276 from an overdue bill at an apartment where I used to live with a significant other. Although the account was registered in my name for a while, I reached a point in late 2013 when I was unable to pay the bill due to financial restraints and my former partner told me that she would put it in her name. Some months later, I broke up with this partner when her pattern of physical and emotional abuse escalated to a point where I legitimately feared for my life. I left the relationship and, despite receiving numerous harassing phone calls and texts messages from the ex, attempted to move on with my life. On 5/4/15 Stellar Recovery Inc. informed me that because this alleged balance has not been paid, I am responsible. I explained the situation to them and that I had no intention of paying the balance due to the emotional distress caused during that time and that each of their calls triggers traumatic memories of abuse I survived linked to symptoms of PTSD. Their representative seemed sympathetic, took my ex's phone number and said that they would contact her to resolve the issue. On 5/20/2015, Stellar Recovery Inc. called me once again to attempt to collect the balance. Once again, I told them their calling was triggering me and I asked to speak to a supervisor. The person with whom I spoke - [redacted], Collection Manager - claimed that they had allegedly been unable to reach my ex and that I was still responsible for payment. When I said that I would not pay and that he would have to contact my ex, his response was to suggest we get her on a 3-way conference call. I informed him that attempting to force a victim into a conversation with their abuser was one of the worst suggestions he could have made to deal with this situation. Mr. [redacted] said he would continue to try and contact my ex and, although they would not be calling me any more, I would still be responsible for the balance.Desired Settlement: I want to be able to put this nightmare behind me. I want Stellar Recovery Inc. to take my name off the collection, cease their attempts collect from me and to stop their harassing phone calls.

Business

Response:

Stellar Recovery is in receipt of an inquiry sent by [redacted]. Our records indicate that we did receive a file in our office on 4-28-2015 from Time Warner Cable in the name of [redacted] and a mailing address was provided of [redacted]. We spoke with the consumer on 5-20-2015, he indicated that the bill was for his "ex girlfriend" and he refused to pay. He spoke with one of our managers and the manager removed his phone number and restricted calls. Because we have to rely on information provided by our clients, his ex-girlfriend is not listed on this file and manager closed the file and it will be returned to Time Warner. Mr. [redacted] will need to deal with either his ex-girl friend or Time Warner regarding this billing in the future. Again, we have closed the file and returned it to our client with the dispute information provided by Mr. [redacted].

Review: I had no previous contacts with this company. They failed to communicate with me regarding the debt that they received from an additional company. I called to resolve this issue and requested they remove all information regarding this account and the negative impact from my credit history. They refused to do so.Desired Settlement: Upon paying debt in full, I want them to remove all account information from my credit report and credit history.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by Daniel D[redacted]. Our records indicate that we did receive a past due billing from [redacted] on 02-19-2015 in the name of Daniel D[redacted] at an address of [redacted]. A Dunning letter was mailed to the address of record on 2-19-2015. We show that we spoke with the consumer on 2-25-2015 and according to the recordings, the consumer said he hadn't been working for a long time, was going to be going to basic training soon and would try and return the equipment. He further indicated that he was unable to make resolution at this time. Our records indicate that we had no further contact with the consumer until yesterday, October 6th. The consumer indicated to our agents and Managers on several different calls that he wanted a " pay to delete " on this file. Both the agents and the manager attempted to explain our company policy and that of our client that we do not have a pay to delete policy, but that the file would be updated and reported to all credit reporting agencies as "paid in full." Mr D[redacted] indicated on one call that he would speak with an attorney, that he was covered under the soldiers and sailors act regarding this file and would file complaints. Stellar Recovery has made a decision that the file would be put on hold and would request that the client recall this file. Mr. D[redacted] is welcome to contact [redacted] directly if he has intentions on taking care of this debt. The credit reporting has been ordered deleted due to the fact that we have requested the file be returned to our client. Stellar Recovery is in full compliance with FCRA requirements and are not required to accept a "pay to delete" request as a Data Furnisher. We have ordered a letter to be sent to Mr. D[redacted] per his request.

Review: I paid a collections on 2/2/16 and was told that it would be taken off my credit in a minimum of 2 weeks a max of 30 days. They also told me I would receive a letter within 30 days. It has been a month and a half and I have not received a letter and this collection is still on my credit. I am trying to buy a mortgage and this is the only thing holding me up. They took money and now are not sending me the letter or taking this off my credit like they said they would. The lady I spoke with promised me that it would be taken care of in 30 days max. This company is awful. I have been waiting on hold for almost 30 minutes on a Saturday. I do not think they are even in because all of their other numbers say they are not available.Desired Settlement: I want a letter emailed to me this Monday morning so I can send it to the 3 credit bureaus and clear this up. I need to get my pre approval done this week. I also want this taken off my credit ASAP.

Business

Response:

Stellar

Recovery is in receipt of a complaint filed by [redacted]. Our records

indicate that we did receive a Century Link account in our office on 11-6-2015

for a [redacted]. Our records indicate that the account in our office from Century

Link was placed with a delinquency date of 9-27-2013. Stellar sent two letters

to the Mr. [redacted] on 11-10-2015 & 3-4-2016. Our investigation shows that

the account in our office was submitted for credit reporting on 1-3-2016. On 2-1-2016

Mr. [redacted] made contact with Stellar and paid a requested settlement in full. On 2-9-2016 the account was submitted to the

credit reporting agencies as settled in full. On 3-15-2016 our Quality

department audited the reporting agencies websites and was able to confirm that

Equifax and Experian are properly reporting the settlement in full. An

additional update was sent to Trans Union on 3-15-2016 to reflect as settled in

full on Mr. [redacted]s behalf, due to the fact that Trans Union is the only

agency still reporting the account as an open collection. Stellar Recovery

follows the Fair Credit Reporting Act and updates the accounts accordingly

based on the consumer stance on the account.

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.

An error by a company and my name sent to them for a payment I made and they did not credit. The man I spoke with at Stellar several times was RUDE and did not care that a mistake had been made. Only thing was constant threat to report it to credit agency. RUDE, RUDE, RUDE. Good luck if you have to deal with them.

My husband keeps getting calls from ###-###-#### on his cell phone. He does not share his cell number, so how would they even get it? They call all the time. We together, nor he alone does not have debt. This is harassment and we want it to stop. How?

Getting over the fact that Stellar Recovery, Inc. is a collection agency and always wants to take money from people, the way the collections are handled is unbelievably pathetic. Despite the fact that my charges were FRAUD, I called to pay off my account because it was ruining my credit and I couldnt rent an apartment without doing so. This being said, when I called to pay I was told I would be emailed a receipt of payment (NOT a "paid in full" statement), that they charged my debit card within 24 hours. 48 hours later, still no email. When I called to inquire, I spoke with a [redacted] who was very unhelpful and spoke more of the same thing twice to sound like he was knowledgeable. When he couldn't help me, I was patched over to a "[redacted]", a man who should NOT be allowed to work with customers another day in his life. He was rude and interrupted me every time I spoke. He clearly didn't understand my request because while he kept denying me my rightful receipt (like the one you get at the grocery store), a supervisor by the name of [redacted] (whom I spoke with next) told me immediately that I would receive an email very soon. Now, hopefully [redacted] comes through, otherwise I will be very unhappy but overall, this experience PAYING off my fraudulent debt makes me disgusted. THEY want MY money! You cannot be inconsiderate towards someone you want money from! I wasn't asking for a parade, I was asking for a receipt. Get smart, people.

Review: The company is not in compliance with the state law of collection. The company is trying to add something to my credit report when the laws of Texas states the company can not be operating in the state. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. The compnay knows the law and they let there bond expire.Principal Name: ARS Recovery Services LLC aka Stellar Recovery Inc fka [redacted] LLC# [redacted] File Number:20050139 Status:Canceled Close File Date Filed:6/10/2005 Cancellation Date:8/1/2009 Phone: Bonding Company:[redacted] Company Bond No:[redacted]Desired Settlement: Removed credit reporting agency negative information in the next 10 days

Business

Response:

Stellar Recovery is in receipt of an inquiry filed by [redacted]. Stellar Recovery Inc. is in complete complaince with all requirments for the State of Texas including registrations of the Corporation and current Bonds that are required by that state. Stellar Recovery is licensed and Bonded in all 50 states. Mr. [redacted] has indicated that he wants all credit reporting information removed, he did not identify a file number that we may have in our office or other information regarding a claim with Stellar. We did locate a file under the name of [redacted], with an address of [redacted]. That file was closed as disputed and credit reporting will be deleted as a result of the disputed account. We are not sure where Mr. [redacted] located this mis information regarding our licensing and Bonding, but can assure him, that we are properly registered in all venues that we attempt collections.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Regards,

Review: I have worked with many collection agencies unfortunately and this collection agency was the worst. Some of the workers I have spoke with during my collection process were some of the most unprofessional employees I have ever spoken with. My collection account was paid right away almost as soon as it hit my credit. I expected them to have this information reported to the credit agencies within 2-3 months and receive a copy of my receipt. This information was not taken off my credit/reported to the credit agencies and it took weeks for them to finally send a receipt. I called a million times, left messages for the managers... I had to constantly call. The first call the gentleman said that they should have ready taken it off my credit or showed paid. Then he changed it after speaking with a manager and said that they don't report to the credit agencies after an account is paid I would have to. That is not the company policy. Another lady hung up on me. The next call I kept getting the run arounds. Finally got a manager and was sent to voicemail. Had to keep calling to speak with him which is annoying but fine. One call I called back after being transferred to a manager and the guy said "WHAT WAS HE RUDE TO YOU??!!" So unprofessional. Please companies do not use this agency. They are unprofessional :(. Sorry for mistypes as I am using a cellular phoneDesired Settlement: Deletion of account from credit

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. On 04-09-2013, Stellar Recovery did purchase a charged off file that was originally a [redacted] Deposit Account. A letter was sent out on 04-10-2013 offering different payment options including a settlement or multiple payments on the balance. On 05-13-2013, we documented that we spoke with the consumer and she indicated that it may take some time but wanted to take advantage of the settlement option. We show that the consumer did pay the settlement amount on 05-31-2013, and that the credit reporting agencies were notified of the settlement and update the credit reporting to show that the file was "settled for less than the amount owed." We show that on 07-09-2013, we received an e mail from the consumer wondering when this would be updated on her credit report and our administrative staff verified that we were reporting correctly to the credit reporting agencies. We also show that a letter was requested to be sent on 07-24-2013 showing that the file was "settled in Full" and our records indicate that it was sent via e mail to [redacted] We have reviewed any recordings we had with this file and there does seem to have been some confusion on the credit reporting. Our policy is to delete the credit reporting if the file is paid in full, our policy on settlements paid is to report to the Credit Reporting agencies of the settlement but deletion is not ordered. Since there may have been some confusion, we have ordered an AUD deletion to the credit reporting agencies on 08-08-2013, confirmation number is 6[redacted]. If Ms. [redacted] has any further questions, she is welcome to call Bob B. Peterson directly at ###-###-####, ext [redacted].

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.

Regards,

Review: I first discovered Stellar Recovery back in June of 2013 when they magically apearred on my credit report. I contacted them and they stated that they were attempting to collect on a debt from [redacted]. I had utilized [redacted]s' services back in 2010, but when my landlord discovered that I had a satellite dish installed on his property, he demanded that I have it removed. I termed my services with [redacted] and informed them that my landlord wouldn't allow their services. They said that I owed them the remainder of my "committment" at a value of $200 approx. I asked where the paperwork was that my landlord was supposed to sign and they said they didn't have one. DirecTv utilizes this form to alleviate issues such as this. Needless to say, I have been harassed by 2 other agencies prior to Stellar. First, how can a company enter negative information on my credit report with first sending a letter? I spoke with them back in July of 2013, asked them this question and they sent another letter. I told them everything as I stated above and their rep said that I needed to pay, whether in full, or a payment plan. I live on SSDI and cannot/will not pay for something I had no fault in. Secondly, if I even contemplated payin it to get it removed from my credit reports, they said they will not remove said entries. I want Stellar to remove any/all negative information from my credit reports with the 3 major agencies. I also want them to stop calling me. I am medically retired and their calls are extremely annoying!Desired Settlement: Remove the negative tradelines from my credit reports and cease communication with me.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. On 04-10-2013, Stellar did receive a past due [redacted] billing that dates back to 2010 for Services. Our records indicate that a letter was sent to the address on file on 04-24-2013 which included validation requirments. We do report [redacted] files to the Credit Reporting Agency under the Fair Credit Reporting Act. Our records indicate that we did have two conversations with the consumer and notes indicate that she stated she did not have the ability to repay this debt. The conversation dates are 07-09 and 07-22. Under the FDCPA, *s. [redacted] does have the right to ask us to stop collection efforts, she has indicated per this complaint that she would like us to do this, for that reason, we have closed the file as cease and desist and have sent the file back to our client, [redacted]. We have also ordered deletion of the Credit Reporting, *s. [redacted] will need to allow time for the Credit Reporting Agencies to process this request. If *s. [redacted] has a continued dispute with [redacted], she will need to make contact with them to resolve the dispute. We have closed the file.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 9678183, and find that this resolution is satisfactory to me.

Regards,

Review: A year ago my wife and I moved into an small apartment after finishing raising our children, we decided to also change our phone number, very soon after we started receiving phone calls from Stellar Recovery Inc, asking for some person, unknown to us. We answered the calls and informed the collectors that we just got that phone number and new address, and did not know such person.The phone calls continued persistently and some times twice a day, I requested the callers several times to update their records and stop calling our house, they always say they will, but apparently never did, as the calls continue. By now I was some time begging to be left along, or making clear to the callers that my opinion about their mothers will be dramatically improved, if only they cease calling us. The calls, continued, but now via an automated calling system, even more annoying and disrupting; some times they include the option of stop them if we were not the person they were looking for. Even know we always followed the instructions to opt out, the calls continued. Finally after a year, today I'm feed up to the point to take the time to track the company and ask to speak to a supervisor but they would not connect me; So I'm filling this complaint at Revdex.com in the hopes that my wife and I can go back to live in peace.Desired Settlement: I request that my phone number is removed from the collectors list, and the company change their policy and instruct their personnel to stop harassing peaceful and innocent citizens and learn to do their job ( a simple research of the white pages will have save them an enormous amount of time and all the inconvenience to me and my wife).

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. We have investigated and did locate the phone number of ###-###-#### was associated with a file in our office. The phone number was placed in our system on 08-12-2013 and several calls were made to the number since that date. It appears that on 10-07-2013, we did receive an inbound call and were informed that the number was a wrong number and it was porperly removed from our system. We have also placed this number in our do not call list in case the number is ever entered into our systems in the future. Any calls made previous to 08-12-2013, were not made by Stellar Recovery, but if we have the number in our system, there could be other agencies that receive this number for contact for a consumer. We do not want to call wrong numbers and our agents are trained to professionally remove any wrong number on behalf of consumers. We do apologize for this inconvienience, there should be no additional calls made from Stellar.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Regards,

Review: They have an automatic phone system that calls me once a day. I return the calls and they assure me that my number is on their DO NOT CALL LIST.

I have returned their collection calls three times. All three times they told me that my phone number is not in their system. The second time the supervisor told me the calls would stop. The third time that I called I spoke to [redacted] Ext. [redacted], on 2/14/14 at about 10:35 A.M. EST. [redacted] told me it was not the companies fault. He said, "their system must be calling a different number that is being forwarded to my phone." I told him that his company is making the mistake, and that the calls "MUST STOP." He told me his company can not stop the calls because they have no way of knowing what number they are calling, that is being forwarded to my number. [redacted] said go ahead and report it to the Revdex.com because His company is doing nothing wrong.Desired Settlement: I want them to stop calling my phone. They have told me that it is their mistake, but they have not told me that they can fix it. If I do owe someone some money I would be happy to pay it.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. We do have the ability to identify all numbers being called by our system. The phone number of ###-###-#### is not currently in our system nor has it been called by our system. We do not want to call wrong numbers and we would be happy to remove any number that we are calling that are not correct numbers for making contact with our consumers. There has been incidences where a carrier may be forwarding calls to land lines or cell numbers and so the number we have been given isnt the actual number in our system. If Mr. [redacted] continues to get calls, he is welcome to call our office speak with [redacted] at ###-###-####, ext [redacted] or e mail him at [redacted]. We apologize for the calls and will do anything necessary to have the calls stopped.

Review: They allege I opened an account in 2/06. The address was for [redacted] and phone was for [redacted]. Who said they do not have acct # that start with [redacted].

On Feb 14, 2014 I received a letter from Stellar Recovery, INC. saying I owe [redacted] 937.34. I talked to [redacted] @ ###-###-#### ext ###. I called back to tell him the information he gave me was incorrect. The next thing I heard was a dial tone. He recited all my personal information social and everything. I told him I did not open any type of account with any of the companies he named. ([redacted]) He gave me two address which turned out to be [redacted] and phone numbers which turned out to be [redacted]. When I contacted [redacted] they said they did not have any accounts that began with [redacted] and to try discover. I am not sure if this is a scam or what but my main concern as well as complaint is the fact that they have access to my social and other pertinent information. I am beyond concerned and livid of the possibility of my identity being stolen.Desired Settlement: Send me any and all documents and information that pertains to me so that I can destroy them. Also, send me an affidavit stating that if in the future my identity is stolen they will be held liable for the total amount of any and all damages. As well as cease any and all contact with me after the above settlements are met.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. On 2-4-2014, our office did received a file from a debt buyer, [redacted]. for what they say was a [redacted] credit card charged off in 09-20-2009 in the name of [redacted], SS # ending in [redacted] and a birth date of [redacted]. The address given was [redacted]. A validation letter was sent out on 02-04-2014 to that address and it appears we spoke with the consumer on 02-14-2014. The Agent gave information we had ont his file and our notes indicated that the consumer said she would check with the client and get back to us. All information on this file was given to the consumer. The Revdex.com complaint seems to indicate that the consumer is not aware of this account and may be a fraudulently opened account using her personal inforamtion. We have closed the file as potential fraud and will return it to our client Ms. [redacted] should monitor her credit reports to make sure other files have not been opened in her name and she should also file a police report for her protection. We do not report these files to the Credit Reporting Agenies. All information has been forwarded to our client on this account.

Review: I want to have this company investigated for unethical collection practices.I have on my credit files a debt from this company in the amount of $396.00 .the original creditor states [redacted].I have never had [redacted] services.on top of that I have never received any communication either by mail or phone.also this company has two different dates of 1st deliquency....one from 2010 and the other from 2013....I dont know what they are trying to pull but this is def not my debt whatsoever.Desired Settlement: I would like to have this debt that is not even mine to begin with deleted from all applicable credit files.

Business

Response:

Stellar Recovery has received a complaint filed by [redacted]. On 04-10-2013, our office did receive a [redacted] file for a [redacted], the billing address we were given was [redacted]. The SS# associated with the file ends in [redacted] and the e mail associated with the file was [redacted]. On 06-05-2013, we began reporting this information to the Credit Reporting Agencies. Mr. [redacted] ask about the dates on the credit reporting, the delinquecy date on the report is 2010, the reporting date would be 2013, this is the proper reporting dates on this file. Since Mr. [redacted] stated that he had never had [redacted], our office did attempt to pull Invoice information on this file. It appears the file was opened in March of 2010, for services at [redacted] and it appears that the file was pre-paid in the amount of $1590.96. It then appears that in September of 2010, there was a refund made for the pre-paid service of $1191.54 and the service address was changed to [redacted]. In October of 2010 the service was interrupted due to non payment on the account with a balance of $395.90. Stellar Recovery has closed the file as disputed and "possible fraud" has been alerted to [redacted]. We have ordered total deletion of the credit reporting, our confirmation for this deletion is [redacted]. We have mailed the invoice copies to Mr. [redacted] for review and in case this may be fraudulent. If Mr [redacted] has any additional concerns, I included my business card with the documents forwarded to him or he is welcome to make contact directly with [redacted].

Consumer

Response:

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

Revdex.com,

I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.

Regards,

Review: I have recently received my credit report and I noticed that there was a collection account open with this company with an opened date of July 2014 and a report date of September 2014. I have not received any statement or bill about this. If I didn't check my credit then I would have not known about it. They also have not tried to contact me via phone. Not knowing where this bill came from In that time period, I took it upon myself to contact them. I asked where this came from and they said they couldn't help me unless I verify one of the addresses they had. One was my ex husband's address that was a completely I'm a different state. Luckily I knew that one. They then proceeded to tell me that the collection was from a [redacted] bill dated back in 2012! But they have been reporting it as 2014. They are not supposed to do that. Now on my credit report it looks like it's a new debt which it is not! My score dropped drastically because of this. Apparently my ex husband didn't pay the last months bill and I had no idea about it. I did offer to pay it and they claimed it will no longer be a collection on my report within 48 hours. It's still there. So that along with the open/report date is completely inaccurate along with not even trying to contact me is wrong. Every time I call To get questions answered they are not helpful at all. I felt pressured to pay regardless of their mistakes. They have yet to send me a receipt. They said just check my bank account. Not professional.Desired Settlement: I want this deleted off of my credit report due to their reporting mistakes.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. Our records show that a file was placed into our office by [redacted] on 7-29-2014 for services under the name of [redacted] Montgomery for services at [redacted] with a billing address provided of [redacted]. A demand letter was mailed to the address of record on 7-30-2014. Ms. [redacted] indicated that she phoned into our office and was ask verifying questions, we are required by Federal Law to make sure we are speaking with the correct party and are required to ask certain verification questions prior to speaking with any consumer. We did send a demand letter to the address provided by our client. Ms. [redacted] indicated that the credit reporting was incorrect, we performed an audit on the credit reporting and show we reported the date of receiving the file, 7-29-2014 , the date we reported the file to the bureaus as 09-06-2014 and the deliquency date as 6-8-2012. These dates are all correct and reported accurately with the credit reporting agencies. We also show that we reported the file as paid in full after payment was made on 03-18-2015 to the credit reporting agencies. Our policy on providing a paid in full letter is 30 days from the date payment is made, in order to make sure the payment has properly cleared the financial institution. We have ordered a paid in full letter to be forwarded to the email address provided in the complaint of [redacted] We have also ordered deletion of the credit reporting for this file to the credit reporting agencies, confirmation # [redacted] for the benefit of this 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.

Regards,

Review: This company, without any notice or communication, reported an unknown debt of $188 on my Experian consumer report. Not only that, but their contact info on the report is invalid. I had to use Google to find valid contact information. I have no idea what this debt is, but $188? Really? had they contacted me, I likely would have simply paid them to avoid poor marks on my reports. This company blatantly broke laws outlined in the Fair Debt Collection Practices Act, and I EXPECT this to be made right by me.Desired Settlement: I paid them, unknowing what or who the debt actually belongs to. I don't care. I want this mark removed from my credit report because fair practices were not followed, AND I paid them.

Business

Response:

Stellar

Recovery is in receipt of a complaint filed by [redacted]. Our records

indicate that we did receive a Century Link account in our office on 1-4-2016

for an [redacted] for Services at [redacted]. Our records

indicate that the account in our office from Century Link was placed with a

delinquency date of 8-19-2013. Our investigation shows Mr. [redacted] paid the

balance in full on 2-25-2016. A deletion has been submitted on Mr. [redacted]’s

behalf. Please allow time for the credit reporting agencies to make the

adjustment.

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.

I clearly stated that I wanted this item REMOVED from my report. Their response says they submitted for deletion. However, they updated it to paid and closed and the item REMAINS on my Equifax credit file as a collection. If a business says it will do something then they had better damn well do it! I cannot stand underhanded liars that say one thing and do another!!!

Regards,

Business

Response:

A deletion has been submitted on Mr. [redacted]’s behalf. Please allow time for the credit reporting agencies to make the adjustment.

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: This company made an inquiry on my credit report.

Stellar recovery made an inquiry on my credit report on 5/1/2013 for no apparent reason which is affecting my credit score.I contacted stellar recovery to see why the had made the inquiry and was told that it was a "glitch" not done buy them but to contact trans union & to notify them that it was a "glitch" & that it should be removed.. I called trans union & was told that I needed a letter of deletion from stellar recovery in order for them to remove the inquiry,I then called stellar recovery to see if I can get a letter of deletion since they was the reason the inquiry was done in the first place,a male buy the name of [redacted] said "there's nothing we can do for you,this happened to a whole bunch of people" I then told [redacted] i'm not worried about other people i'm worried about myself,the then repeated there's nothing they can do for me.. I would like a letter of deletion & have the inquiry removed from my credit report.Desired Settlement: I would like a letter of deletion form stellar recovery and the inquiry removed from my credit report.

Business

Response:

Stellar Recovery is aware of the "Hard Inquiry" made by [redacted] Credit Reporting on 05-01-2013. This was an error on their part in regard to report they were generating for our company. [redacted] has assured us that this is being fixed and the "Hard Inquiry" will be removed from any file it reported as such.

Review: They call my house asking for a [redacted]. We have told them on several occasions that we do not know this person nor is our phone number theirs. They preceded to continue to call almost on a daily basis. We have asked them not to call our number again several times.Desired Settlement: For them to keep updated records of people and to leave those alone that has nothing to do with them.

Business

Response:

Stellar Recovery is in receipt of a wrong number complaint filed by [redacted]. We have completed a detailed investigation and have determined the following. The phone numbers provided, ###-###-#### and ###-###-#### are not and have not been in our system. We also attempted to locate a consumer with the name of [redacted] and have not located anyone with that name. We cross-checked the last name of [redacted] with the [redacted] prefix and found no numbers. We also cross-checked [redacted]-xxxx with the last name of [redacted] and found the number ###-###-#### but that phone was removed and has not been called since 7-19-2014. If Ms. [redacted] has another phone number that we may have called or if calls are continueing she is welcome to call my office at ###-###-#### or e mail me at [redacted]. It is not our intent to continue to call wrong numbers and our agents are trained to politely remove any wrong number when we are notified. We apologize for any calls made but we have been unable to locate the wrong number based on the information provided.