Stellar Recovery, Inc.

Review: I was contacted by Stellar Recovery concerning an allegedly outstanding [redacted] bill of over $350 relating to a time in 2013 and to an account that was allegedly opened in my name, using my social security number in March of 2010, according to a telephone conversation I had with one of their collections agents.

I gave the individual the last 4 digits of the [redacted] account in our home and the agent said that was not the number he had on file. (The [redacted] account at the family home is not even in my name), and informed the agent that in March of 2010 I didn't even live in the United States to either have a Social Security number or set up a [redacted] account.

I believe that Stellar Recovery are doing something illegal, fabricating information and creating a false debt. Either that or some kind of identity theft has taken place.Desired Settlement: This debt needs to be removed from my credit file, (if it is even there) immediately as it does not apply to me

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. We have located the file. On 01-29-2013, our office did receive a [redacted] file in the name of [redacted] (SS # ending in [redacted]) for services at [redacted]. These services were charged off on 4-6-2010. Our records indicate that we spoke with the consumer on 10-23-2014, he advised our agent that he had never lived at the address, he was from the United Kingdom, that the ss # did match and thought this was possibley a fraud account. The Stellar Agent closed the file as disputed, possible fraud and we sent the file back to [redacted] with the information provided by the consumer. Any credit reporting was ordered deleted on this file. the consumer is welcome to contact [redacted] directly regarding any possible fraud on this file. Again, based on the comments provided by the consumer, our agent closed the file and returned it to [redacted].

Review: This company has been calling me for at least a year. Sometimes it is several times a day, and they do not quit on the weekends either. It is from 8am sharp all the way to late in the evening. It is absolutely giving me MENTAL ANGUISH!Desired Settlement: STOP CONTACTING ME I DO NOT WANT TO WORK WITH YOU. I BLOCK ONE NUMBER AND YOU USE ANOTHER. S-T-O-P.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. Ms. [redacted] indicates that we have been calling for at least a year, sometimes several times per day. The phone number of [redacted] was placed into our database on 01-04-2014 and we have called the number a total of 7 times since that date. We do show this number was for an [redacted]. We have removed the number from our system and have placed the number into our internal do not call list. We apologize for the 7 calls made to that number.

Review: 1. As per FTC rules, a debt collector cannot post a collection on your credit report without contacting you via phone, letter, text message, or email. Stellar Collections did not contact me via phone, letter, text message, or email prior to posting a collection on my credit report.

2. Stellar collections was attempting to collect something that was shown as paid and collected on my credit report.Desired Settlement: It is clear that the debt had been paid. They need to remove the negative post from my credit report immediately.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. Our records do show that a file was placed in our office on 11-5-2015 in the name of [redacted] by Century Link for services at [redacted]. We do not show any contact has been made with the consumer. Stellar Recovery is a Data Furnisher under the FCRA, the original Creditor (Century Link) has the responsibility of notification that the past due invoice may go to collection and may effect the credit rating to the consumer. We have notified our client and have put this file in dispute status as the consumer has indicated that they believe the account has no balance. All Credit reporting has been ordered deleted. We have ask for validation of the debt and balance by the client, if we receive these documents within 30 days, they will be forwarded to the consumer at the address provide in this complaint, if the documents are not received within that period of time, the file will be closed and returned to Century Link.

Review: Stellar Recovery Inc showed up on my credit report for a bill that is not mine. They have NEVER contacted me before nor has the company they claim to be collecting for. They cannot validate this debt and I've disputed it with all three credit agencies. Now Enhanced Resources is contacting me stating they are collecting this debt also. Same day.Desired Settlement: This needs to be removed from my credit report, not my debt.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. Our records indicate that we did receive a Comcast account in our office on 12-18-2015 for a [redacted] for Services at [redacted]. Our investigation shows that the account in our office from Comcast was placed with a delinquency date of 12-20-2013. Ms. [redacted] made contact with our office on 2-18-2016 where a settlement was offered to Ms. [redacted] to pay 80% of the balance. Our records show Ms. [redacted] contacted our office a second time on 2-18-2016 requesting a reduced settlement. Stellar can only allow a settlement based on the clients set criteria, which Ms. [redacted] would need to pay 80% of the balance. Our investigation shows that on 2-22-2016 Stellar received a dispute directly from the credit reporting agencies. Our Director of Compliance sent verification of the account to the client on 2-26-2016. The client confirmed that the account is placed with Stellar Recovery and they will contact the other agency. Validation of debt has been requested from the client Comcast on Ms. [redacted]’s behalf.

I had an account go in to collections that I was unaware of. After being contacted by this company I paid the balance on the account and requested a letter saying that I did so. I needed this letter to close on my house. After speaking with 5 different customer service representatives I was told that it wasn't protocol for them to send letters so they would not be sending anything. They did nothing to help resolve the issue in any way and just kept putting me on hold and transferring me to other people.

Review: Today 12/27/14 while checking my credit report due to an Experian notification I noticed I had an account in collections with Stellar Recovery Inc. I have never received a phone call or letter notifying me of any outstanding debt, therefore, violating my rights under the FCRA by failing to notify me that a debt had been reported. Furthermore, I don't owe [redacted] any money from my service with them 5 years ago. I have never heard anything else regarding [redacted] until now.Desired Settlement: I would like Stellar Recovery Inc to delete the collection account from all 3 credit bureaus and permanently stop all collection activity against me. And I would like a letter of the outcome for my records.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by Andriane Elisabeth [redacted]. On 11-22-2014, our office did received a past due billing from [redacted] for Services at [redacted] in the name of [redacted]. It appears we did have a phone number of ###-###-#### as a contact number for the consumer and one call was attempted on 12-03-2014. Our records show this file was charged off on 8-15-2010. Stellar Recovery is a Data Furnisher under the FCRA and the notification was required by the original creditor for reporting purposes. We also show a letter was sent to the address on file on 11-24-2014. We note that the address on the Revdex.com complaint is a different address. Based on the complaint, we have closed the file as disputed and will return it to [redacted] as such. Credit reporting has been ordered deleted on this file. If the consumer has further questions regarding this file, she can contact [redacted] directly and refer to the original account number of [redacted]. We have closed the file in our office.

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 received notice of a collections being posted to my credit report from this company. I have not received a notice/bill or a phone call from this company prior to this. I attempted to contact this company three times requesting clarification as to what this collections is about and have not received a response. The credit report seems to indicate a Comcast account in September 2015. This is around the same time I was the victim of Identity Theft and I have provided a copy of the police report to Stellar Recovery and stated as much. I have not had a Comcast account in over 2 years and believe this is a fraudulent debt. I contacted Comcast and they were not able to provide any assistance and suggested that Stellar Recovery is the point of contact now for this.Desired Settlement: I am requesting this be removed from my credit report.

Business

Response:

Stellar Recovery is

in receipt of a complaint filed by [redacted]. Our records indicate that

Stellar received a Comcast account on 12-1-2015 for a [redacted] for services

at [redacted]. A letter was mailed to the Mr. [redacted]

on 12-2-2015. Stellar’s records do not indicate that were has been any contact

made via telephone with Mr. [redacted]; however there were 3 emails received from

1-13-2015 to 1-14-2015; however the emails did not provide a contact number to reach

Mr. [redacted] and Stellar Recovery does not communicate with consumers via email.

All 3 emails were reviewed as well as processed and documented. On 1-14-2016

our office received a fraud dispute directly from the credit reporting agencies

in regards Mr. [redacted]’s account. The account was closed as fraud and credit

reporting was submitted to be deleted from the credit reporting agencies,

please allow up to 30 days for this request to be completed.

Consumer

Response:

Revdex.com,

I will accept this resolution pending the removal of this from all credit reporting agencies. This address mentioned by Stellar is an address I NEVER lived at or had any affiliation with. This is a clear sign of Identity Theft. I appreciate the quick response by Stellar even though I am confused that they do not talk to customer via email. I got their email address off their website which is specifically mentioned for disputes.

Review: I was contacted by Stellar Collections saying I owe money to a certain bank. He could not tell me any info about it. Rude, hung up, UNAUTHORIZED.

I received a call yesterday saying I owe [redacted] almost $400. He could not tell me details about the account and I gave him my email address so he could send me a summary. I called [redacted] and the woman said there is NO record of me having a debt there. I called Stellar Collections back, the man was still very rude. He said he never sent the email because the company wouldn't allow him to (okay why didn't you call me back to tell me?!) and he kept saying I need to pay them and they would settle on half of the owed amount. I asked how he got my number and he said "oh we just have our ways). I told him I was informed by an attorney and another collections agency that it is ILLEGAL to attempt to collect a debt from someone in Arizona IF the debt is from OUT OF STATE (Which it is! That's if this is even real) and he was ridiculously rude and I wanted to speak to a supervisor. She got on the phone and was just as rude. I tried to go over what we previously went over with the man and she was all mad and HUNG UP ON ME! A SUPERVISOR HUNG UP ON ME! Ridiculous. This place sounds like a scam since they can't tell you any information and don't check peoples addresses before contacting them. KNOW THE LAW PEOPLE! This is fraud and they need to erase everything about me!Desired Settlement: I want them to remove anything from my credit report that they have reported. I want them to not contact me ever again. I want an apology for the way I was treated. I want them to erase this so called debt I have with them, because the BANK SAID IT'S NOT TRUE!

Business

Response:

Stellar Recovery has received a complaint filed by [redacted]. Our investigation found that a file was forwarded to our office on 08-19-2013 from [redacted] that was originally a Demand Deposit Account from [redacted]. We show this file was charged off on 07-28-2010 and the orignal account number was [redacted]. *he names on the file were [redacted] and [redacted] and the address given was [redacted]. We also show that on 09-23-2013 we did speak with the consumer and she indicated that she did not have the funds available to resolve, said she was unemployed, the notes indicated that information on the file was given. She also ask that all future correspondence be through e mail and that she wanted us to provide proof and validation of the debt. The Agent closed the account, and put to our validation status. This status goes to the original client and asks for validation of the debt to be sent. Once the documents have been received, we will mail them to the consumer, if validation documents are not available, the file is closed and returned to the client. All collection efforts are ceased during this validation period. We are currently waiting for the client to validate the debt, we currently do not show that the file out of Statute. We do not report any information to the credit reporting agencies for this client.

Review: ON OR AROUND 10/8/13, I BECAME AWARE OF A COLLECTION ACCOUNT WITH THIS COMPANY FROM AN OLD CABLE BILL WITH [redacted]. I AM TRYING TO BUY A HOUSE SO I WAS ADVISED TO SEE IF I COULD PAY THIS ACCOUNT OFF AND HAVE THEM DELETE IT FROM MY CREDIT REPORT. MY WIFE ([redacted]) CALLED STELLAR ASKING IF WE PAID THIS BILL, THEY WOULD DELETE IT. WHEN ASKING THIS QUESTION SHE WAS TRANSFERRED TO SEVERAL DIFFERENT PEOPLE BECAUSE SOME TOLD HER THEY WOULD NOT "DELTE". THE LAST PERSON SHE WAS TRANSFERRED TO WAS A GENTLEMAN WHO TOLD HER IF SHE WENT TO A [redacted] OFFICE AND PAID OFF THE BILL AND GOT A RECEIPT AND ASKED THEM TO TELL STELLAR TO DELETE IT, THAT WOULD BE THE ONLY WAY TO GET IT COMPLETELY DELETED. SHE ASKED IF SHE WAS NOT ABLE TO GO TO AN OFFICE BECAUSE THERE WERE NONE NEAR US, COULD SHE PAY IT OVER THE PHONE. SHE WAS TOLD IT WOULD BE BETTER TO GO TO A LOCAL OFFICE BUT AS LONG AS SHE GOT A RECEIPT THEY COULD HAVE IT DELETED. SHE PAID IT OFF WITH [redacted] AND SPOKE TO A LADY NAMED [redacted] WHO TOLD HER THAT HER RECEIPT COULD BE FROM HER BANK WHERE SHE PAID THE ACCT OFF. SHE ALSO TOLD HER THAT SHE WOULD CALL STELLAR RECOVERY AND ASK THAT THEY DELETE THE ACCT FROM CREDIT REPORT ASAP. WHEN SHE CALLED AWA BACK TO SEE ABOUT FAXING THE RECEIPT, SHE WAS TOLD THEY WOULD ONLY GIVE HER A ZERO BALANCE, THAT THEY NEVER DELETE. SHE TOLD THEM TO GO BACK AND REVIEW HER CONVERSATION BECAUSE THEY HAD PROMISED TO DELETE COMPLETELY. SHE WAS TOLD THEY WOULD HAVE QUALITY AUDIT THE CONVERSATION AND GET BACK TO HER IN 1-2 DAYS. THAT WAS A MONTH AGO AND WE STILL HAVE NOT HAD IT DELETED OR GOTTEN A RESPONSE FROM THEM. WE ARE LOSING A CHANCE AT A HOME LOAN AND COULD HAVE PAID IT OFF SLOWLY IF WE HAD KNOWN THEY WOULDN'T DELETE. WE HAVE BEEN MISLED AND ARE REQUESTING MONETARY DAMAGES IF THEY DON'T DELETE.Desired Settlement: WE ARE ASKING FOR IT TO BE DELETED ASAP. IF THEY WILL NOT DO THAT, WE ARE REQUESTING MONETARY DAMAGES.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. We have completed our investigation. On 06-19-2013, our office did receive a [redacted] file in the name of [redacted] for services [redacted]. It further appears we had contact with the consumer beginning on 09-27-2013, the consumer indicated that they saw this on credit report. We have reviewed this conversation and the Agent did not make any comments about "paying for deletion." The agent did indicated that the credit reporting would be "updated" as "Paid in Full." We also show that we spoke with the consumer (Mrs. [redacted]) and she requested a paid in full letter after she made payment on this file, she was told our policy is to provide such a letter after 30 days, she indicated that she prefers to Pay [redacted] directly. On 10-12-2013, we were notified that the payment in full had been made to [redacted] and the account was closed as paid in full. On 10-16-2013, we received another call from the consumer and they indicated that our agent had told the consumer that the Collection Item would be deleted upon payment in full, the call was directed to a Manager. The Manager noted the file, as, "reviewed recordings of calls, not told of any kind of cbr deletion, was advised updates of paid in full could take up to 30 days." We do not offer a "Pay for deletion option." However, in the spirit of good will, Stellar has ordered deletion of this credit reporting to all Credit Reporting agency as there did seem to be some confusion as to the policy and we certainly understand the frustration of dealing with kind of mark on the credit reporting. A Manual AUD has been ordered for this file, confirmation # for the deletion to all credit reporting agencies is [redacted]. If Mr. [redacted] has any additional issues, he is welcome to call [redacted] at ###-###-####, ext [redacted] or e mail at [redacted]. The file is closed as paid in full and the credit reporting has been ordered deleted.

Review: Company setup a 'robo-caller' to call me daily between the hours of 12:00 - 12:30pm. Upon calling back their either a) hang up or b) attempt to get social security/personal information despite the fact that I have no outstanding debts.Desired Settlement: For me, stop contacting. For ethical business practice, only call people who are actual clients.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. Mr. [redacted] indicated that we have been calling a wrong number. The number ###-###-#### is in our system and has now been removed. We have also placed the number into our internal, do not call list in the event the number is placed in our office in the future. We apologize for the calls, our agents are trained to politely remove any wrong number, and the consumer can also press a button indicating the call is a wrong number and it will be removed or sent to an agent. Again, the number has been removed and we do apologize for the calls made.

Review: I have two problems regarding this business. First, I am a resident of Washington state and initially received calls from this collection agency every 60 SECONDS for several hours. I was not able to pick up the calls but have a phone record of them if necessary to prove my claim. Secondly, after making arrangements to pay the debt owed, I attempted to pay online and noticed an additional $9.50 charge for using a debit card to make a payment. I called to question it and was told it was a "convenience fee" for using a debit card. Is this legal? I question both of these practices as legal and if legal, request an explanation as to why this additional fee was not discussed when I made contact with Stellar Recovery to set up a payment plan. According to the Washington State Department of Enterprise Services (DES) website : "Q. Can cardholders be surcharged if they press the “credit button” while using a debit or prepaid card?

No. Regardless of how your debit or prepaid card is processed at the point of sale, surcharging is not permitted on debit or prepaid cards."Desired Settlement: If illegal, practices to stop immediately. If legal, to be advised when setting up payment plan. Excessive calls to STOP IMMEDIATELY. Thank you.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. On 04-09-2014, our office did receive a past due billing for [redacted] for a [redacted] for services at [redacted]. Ms. [redacted] indicates that we phoned "every 60 seconds for several hours." The phone number of ###-###-#### was called a total of 16 times from April 9 through April 22, when we received notification to stop calls via e mail and then later spoke with the consumer. We do show that multiple calls were made 04-17 (3 calls) and 4-21 (3 calls ) but do not show that the numbers were calls in 60 second intervals. These calls were made in error, our system should ony make 1 call maximum per day, not 3 and we do apologize for the number of calls per those 2 days. All calls were restricted upon notification by Ms. [redacted] via e mail on 4-22 and the number was marked as bad by one of agents later that day when we spoke with Ms. [redacted]. On 04-30-2014, one of our agents spoke again with Ms. [redacted] and she indicated that our web site payment portal showed that a convienience fee of 9.50 would be charged for the transaction, the agent explained that the fee is shown but not charged in states that the fee is not to be charged including the State of Washington. Both our payment portal and our software for verbal payments over the phone do not charge the fee in states that we are not allowed to charge such a fee. Ms. [redacted] indicated that she would prefer to send in a payment, which the agent said was fine and noted the file as same.

Review: They are currently reporting an item on my credit that is incorrect.Desired Settlement: Please remove the item from my credit report

Business

Response:

Stellar Recovery is in receipt of an inquiry made by [redacted]. Our records indicate that a collection file was placed in our office by Comcast on 09-02-15 in the name of [redacted] for services at [redacted]. On 10-6-2015, we began to report this collection to the credit reporting agencies with a balance of $131.92 due. Our records also indicate that on 10-7-2015, we spoke with the consumer and he agreed to pay this account. The account is currently paid in full. We show that we are currently reporting this account as "paid in full" with a zero balance due to all credit reporting agencies. We do not believe we are reporting this incorrectly.

Review: I never received notice of a debt prior to it being posted to my credit report, I only found out about it when I checked my credit.Desired Settlement: If it is a proven legitimate debt, I would like the 30 days written notice for payment prior to posting to my credit report.

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 2-14-2015 for a [redacted] for Services at [redacted]. Our investigation shows Mr. [redacted] emailed our office on 2-18-2016 stating he was disputing the account. Validation of debt has been requested from the client Century Link. We have ordered deletion of the credit reporting for this account during this validation process.

By new law these companies can only call you twice per month to ask for debt payment. Tell them you spoke to a lawyer and that they are tracking all phone calls now. Tell them you revoke permission for them to call you. Use those exact words. Tell them they will be sued for 5000 each call. The calls will stop forever. Try it. We win.

Horrible compay. Website is not functional. Cannot make a payment. Two phone numbers on the bill ring through to -- "the ext. you have reached, 5132654 is not available Leave a message and someone will return your call". One other phone number I found rings through to an outgoing message that says "Stellar recovery" and then you are put on hold for literally an hour. You are then promptly disconnected. This has happened 4 times. I have to pay this 300 dollar bill to clear my credit before I buy a house! Stellar won't even take my money. If I were[redacted] I would be [redacted]!!! The are charging Charter for collection activity that will NEVER take place because you cannot even get through to pay the bill!!!!!

Review: Company failed to contact before placing collection account on credit reports.

This company has failed to provide me with communication before placing this tradeline on my credit report. I have not received written communication regarding this debt from this company.Desired Settlement: I would like this tradeline removed from all credit bureaus for failure to abide by the FDCPA laws.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted] of Dallas Texas. Based on the name and the address on this Revdex.com inquiry, we have been unable to locate a file in the name of [redacted]. We would be happy to continue the investigation of the claim, may we suggest [redacted] contact me directly and we should be able to help resolve this matter. My name is [redacted], my contact phone is ###-###-####, ext [redacted] and my e mail is [redacted]. Credit reporting is regulated by the FCRA and we are compliant with all credit reporting mandates.

Review: I had pulled my credit report to learn about this agency reporting on my credit reports for awhile. I contacted them stating I had no knowledge of this account nor did I ever receive any letters or phone calls. Because I do not want anything on my credit negative I was told by a Jessica that if I paid in full that this would not be disputed and would be removed from all 3 credit agencies. so I went ahead and paid it IN FULL just to not have to deal with these people and to fix the negative remark on my credit. I even disputed through one of the credit agencies and it is still showing as a collection. I feel I have been blatantly lied to for money. I also never received an email or a paid in full letter as was promised.Desired Settlement: I would like this removed from my credit to all 3 agencies as promised and stop scamming people out of money with empty promises because you know they want to fix wrong information. Thanks

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. On 02-04-2014, our office did receive a past due billing from [redacted] for a [redacted] for services at [redacted]. Our records indicate that the file was paid in full on 09-16-2014 and was reported as paid in full with a zero balance due to the credit reporting agencies. Our investigation shows we had conversation with the consumer on 08-19-2014 and then again on 09-15-2014. We have reviewed notes and the recorded calls for both dates. The information received from both our agents and managers were not clearly defined as it relates to the credit reporting on accounts, our agents are trained not to go into any detail on credit reporting except on the specific policies Stellar Recovery has regarding the reporting of these cases. Although the Agents did make it clear that Stellar Recovery does not have a "pay to delete" policy, they also made suggestions to the consumer on how she may have the credit reporting agencies delete the reporting after the file was paid in full. All employees who have spoken with the consumer have been counseled and written up. Because the agents gave information that clearly goes beyound what should have been discussed regarding credit reporting, we have ordered deletion of this file to all credit reporting agencies. We have performed a manual AUD deletion request for this file, confirmation # is [redacted]. The recordings also indicate that the agent would send out a paid in full letter, which she did not follow up on, and we have mailed a paid in full letter today to the [redacted] address.

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: In January of 2015 Stellar Recovery, Inc. placed a collection account in the amount of $186.77 on my credit report. I had no idea what this was about, so I called and spoke to a representative who informed me that this is a collection account from [redacted]. When they advised me what the service location was, I knew that this was a debt that incurred by someone else using my information. I spoke to the person who actually created this account in my name, and I do not intend to pursue a legal path because I do not want to mess up someone's life over $187.00. I had not received any notification of this debt prior to it showing up on my credit report which violates my rights under the FCRA. The representative I spoke to did not even have my correct address, which I provided to him. I got my first written communication regarding this collection on January 28th, 2015.

On February 9th, 2015 I called Stellar Recovery, Inc. and spoke to [redacted] – to confirm the original delinquency date on this debt was January 15th 2011 - and then to a supervisor, [redacted], (I would like to at this point stress the fact that both representatives I spoke to were very polite) and offered to pay this debt in full under the condition that it be removed from all credit bureaus, and is not to be reported again. I requested this based on the fact I was unaware for FOUR YEARS that a delinquent account in such a small amount of $187.00 even existed in my name. Had I know, I would have taken care of it before it ever impacted my credit. At this point, my very good credit has taken a huge hit; one of my credit cards has reduced my credit limit because of this inappropriately reported delinquency, and my attempt to refinance my home is in serious jeopardy. It is completely inappropriate to go FOUR YEARS without notification and then start claiming debts. I wouldn’t have any documentation on this debt had I not provided Stellar Recovery, Inc. with my address. I will still pay this debt (which Stellar Recovery, Inc. will recoup a substantial profit from, I am sure), if Stellar Recovery, Inc. agrees in writing to forcibly remove this item from all credit bureaus and not to report it again.Desired Settlement: I want Stellar Recovery, Inc. to remove this inappropriately reported collection account from all credit bureaus in exchange for full payment.

Business

Response:

Stellar Recovery is in receipt of an inquiry made by [redacted]. On 11-23-2014 our office did receive a past due billing from [redacted] for a [redacted] for services at [redacted] with a SS # ending in [redacted] for $186.77. A demand letter was mailed on 12-15-2014 to the address on file. Our records show that on 1-12-2015, we spoke with the consumer and she indicated that this was appearing on her credit report, told the agent she got this account opened for a friend and would get the funds from this friend and call us back to pay the file in full. She also updated the address and another demand letter was mailed on 1-12-2015 to the new address. Our records also show that she talked with an Agent and Manager today and wanted a "pay to delete" agreement and was advised that we do not have a "pay to delete" policy. The consumer indicated to the Revdex.com that she considers this file was opened in her name by another person, for that reason, we have closed this file as fraud and will return it to [redacted] as such. We have ordered a manual deletion of the credit reporting, confirmation # for the deletion request is [redacted], please allow time for the credit reporting agencies to process this request. In the future, if Ms. [redacted] or the person who fraudulently opened the account in her name wishes to pay this account, they are welcome to contact [redacted] directly, the original account number is [redacted]. Again, the credit reporting has been ordered deleted and the file has been properly closed as "fraud."

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: List debt to [redacted] that is not due. I discontinued [redacted] when I moved and returned equipment which I was never credited for returning. [redacted] denied receiving the equipment and turned the value of the cable box over for collections. Don't have it and don't owe.Desired Settlement: Remove it from my credit report.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. On 03-14-2013, our office is showing we did received a [redacted] file in the name of [redacted], we are showing the service address on the file as [redacted], we are assuming this is the file in this complaint. The records indicate that there is service fees due of $299.00 and equipment fees of $480.00. Upon receipt of this complaint we did contact our client and they did indicate that their records show no return of the equipment was made. We do accept disputes on these accounts, as a result, we have closed the file as disputed and have returned the file to [redacted]. We have ordered deletion of the information to all credit Bureaus. Mr. [redacted] needs to allow time for the Credit Reporting agencies to process this request for deletion. If Mr. [redacted] has addtional questions, he can contact [redacted] directly at 800-[redacted].

Review: [redacted] collection appeared on record. No call or actual attempts to collect. Account over 3 years old, and resulted from a cosigned contract I was not aware had gone bad. Called in, explained and paid in full same week. Asked representative to delete record from report (again, account has been paid in full with an explanation). 2 weeks later, record still on my account. I disputed and Stellar Recovery confirmed the account. What's the problem here guys?Desired Settlement: Please delete the record.

Business

Response:

Stellar Recovery is in receipt of a complaint filed by [redacted]. Our office did receive a past due billing for [redacted] in the name of [redacted] for services at [redacted]. It appears we spoke with the consumer on 01-27-2014 and she resolved the file and the account is paid in full. Ms. [redacted] indicated to the agent that the error in non-payment was due to another individual involved, as a result, we did ask for deletion of the credit reporting rather than reporting the file as paid in full. We do not control the amount of time involved by the Credit Reporting Agencies to follow through on the deletion request but have also performed a manual AUD deletion request to all Credit Reporting Agencies. The confirmation number for this request is [redacted], date 02-12-2014.