Stern Recovery Services, Inc.

Initial Business Response /* (1000, 6, 2016/01/07) */
We have noted Mr***'s request for cease and desist regarding his bad-debt balances

I am rejecting
this response because:
I've sent this company correspondence several time along with my police reportThey have this is account listed on my credit report for *** *** *** (Please see the attachment)I've never done business with this company beforeThis account should be removed from my credit report immediately

Initial Business Response /* (1000, 6, 2016/06/08) */
We are a collection agency, not a billing companyWe do not send out monthly statementsThis would have been explained to Mrs*** by our collector during our initial contactOur initial collection notice, mailed 8/17/2015, also states "Be
advised that you will not receive a monthly statement." This appears in bold and is highlighted in yellow
Mrs*** set up a monthly payment arrangement that began in September of There have been a total of installments made during the month period since that arrangement was madeWhile the first two were in excess of the agreed amount, the that followed were for the agreed amount onlyWe do not charge any fees
Mrs*** missed payments in both February and May of The account is currently in default and she has refused to make any additional paymentsThis is why she was advised that we would have to list the remaining balance against her creditOur collector advised her of this intent on 06/06/We report to Equifax and TransUnion twice per monthThe next report is queued to update on 06/16/
Initial Consumer Rebuttal /* (3000, 8, 2016/06/13) */
(The consumer indicated he/she DID NOT accept the response from the business.)
An honest company can not expect a person to blindly continue to make payments with no documentation of the total amount of the bill owedI could continue to make payments for years and they could continue to say I still owe more and threaten my creditI made payments in good faith after initially being contacted via telephone expecting documentation to be sentThat has never happenedIt's not an unreasonable request
Final Business Response /* (4000, 10, 2016/06/16) */
Mrs*** received "documentation of the total amount of the bill owed" via our statement to her on 8/17/Again, that statement included a notification, in bold font, highlighted in yellow, "Be advised that you will not receive a monthly statement." The total of that bill was due, in full, upon receiptMrs*** chose to make partial payments insteadAs such, it is Mrs***'s responsibility to keep up with those payments

I am rejecting this response because:
Stern Recovery stated that they tried to reach me on 3/9/17, 3/21/17, 3/29/17, 4/12/17, and 4/25/ When I asked if they left a message, they said no I only received the letter from them stating that I owed $on May 13, I called them on May 18, The collector stated he did not call me liar He did not say that word, but he continually said I was wrong and that I did receive the calls and letters He would not let me finish any of my statements He was very rude After so many times of him saying I was wrong and I intentially ignored the letters and would not let me finish a statement, I did call him an *** That was inappropriate, but when a man talks to me in the tone and voice he was using, it is not appropriate either I have gotten in touch with *** *** and *** *** *** *** Both told me they were going to put the bill "on hold" while they were investigating the matter This was for a mammogram, which is FULLY covered by the Obama Care Plan I request again that this be taken off my credit report I will continue talking with *** *** *** *** for a resolution The Stern Agency is not a company that treats people in a professional way I would like to hear the recording they mentioned in their response You will be able to see how rudely he was speaking to me.Thank you*** ***

Initial Business Response /* (1000, 5, 2016/09/27) */
If you are disputing the balance, please provide record of payment so that we may investigate with our clientIf you need details concerning the actual charges, you will need to contact our office directly as we cannot provide that level of
detail or itemized statements via Revdex.com
Initial Consumer Rebuttal /* (3000, 7, 2016/10/02) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Can you let me know what bill caused the collection on my account
Final Business Response /* (4000, 9, 2016/10/04) */
Again, we cannot provide any details via this forumThis is to protect your privacyIf you would like further detail regarding a specific item, you will need to contact our office directlyWe will be happy to review any information we already have and request additional, if needed

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and I accept it. My account number is ***the amount I allegedly owe is

I am rejecting this response because: Stern Recovery has failed to validate the filesThey were also advised that the original creditor had not properly billedI also reached out and advised the original creditor of their error and they agreed to resubmit all charges properly within thee timely filing limitsI have no agreement with Stern Recovery and because the billing was not corrected before sending these to collections

Initial Business Response /* (1000, 6, 2016/04/05) */
The consumer's name is a very common name
As no account numbers have been provided in the complaint, we would want to find some other way to positively identify the accounts in questionCan you please provide a DOB or last four digits of
your social?
Please contact our office directly if you would feel more comfortable than providing via this medium
Initial Consumer Rebuttal /* (3000, 8, 2016/04/09) */
(The consumer indicated he/she DID NOT accept the response from the business.)
No account numbers were provided to meMy DOB is ***
Final Business Response /* (4000, 10, 2016/04/12) */
These charges are the result of bad-debt accounts that were placed with our office in and Our office corresponded with Mrs*** during that time, including conversations via telephone on 06/17/and 08/31/We will note that Mrs*** is now disputing the balancesThat will be relayed to the credit bureaus

Initial Business Response /* (1000, 5, 2016/08/05) */
Our office has received no written correspondence from Mr*** as stated in his complaintThe accounts, as listed, have exceeded the validation periodWe will notify Equifax and TransUnion that these items are disputed

Per the information that you have obtained via your credit report, is there an account number or original creditor listed? We are unable to locate a record under the name or amount that has been provided in the complaintAny additional information would be appreciated

Our office had contact with Mrs*** prior to these items being listed to her creditDuring attempts to speak with her she was uncooperative and would hang up on our collectorsOnce we received a validation request on 9/19/2017, our office provided all required information to Mrs***
In conjunction with that correspondence, we have already updated Equifax and TransUnion to communicate that the charges have been disputed by the consumerPlease note that we have been advised that the bureaus can take 30-days upon receipt to amend their records

Initial Business Response /* (1000, 10, 2016/07/14) */
We will notify Equifax and TransUnion that Mrs*** is disputing these two chargesHowever, we will not request that they be removedOur office sent a total of statements to Mrs*** (3/3/2014; 12/19/2014; 1/8/and
4/23/2015)
In addition, Mrs*** called our office on 04/06/at approximately 3:pm and spoke with one of our collectors, indicating that she would need to contact *** before resolving

We have reviewed the account and the voice recording of the conversation between Mrs*** and our collector on 03/30/At no point during the conversation did Mrs*** mention a specific balance of $However, our collector clearly stated the balance of the account within our
system was $When he stated this amount, again, the debtor never mentioned a balance of $183. Regardless, we initiated a refund of the $on 04/06/18, to the credit card that was used for the 03/30/transactionThis balance is still owed and we will continue to report the balance of $

I am rejecting this response because I have
not nor never received a letter from this companyThey are making accusation and are wrongfully accusing me of owing this debtThey need to validate this debt or delete itI demand them to send me a letter of deletion First of all, I have never signed documents or entered into an agreement with this companyThey never sent me the original contract with my WET ink signatureI have never acknowledged anything with this companyWhere is the proof? Basically, they are slandering my name which can be grounds for a legal actionAlso, they should know by law that sending a copy of a copied signature does not constitute a debt validationThis Firm IS REQUIRED BY THE FDCPA to PROVIDE all of the FOLLOWING information this is NOW FULLY REQUIRED by tort law precedent - Haddad vAlexander, Zelmanski, Danner & Fioritto, PLLC, --- F3d --- (6th Cir2014), WL (6th CirMich2014).More importantly, I would like the company to send the following because they are telling lies Please provide the five personal identifiers associated with this account including full legal name, address of record, date of birth, zip code and Social Security number (not truncated). Identify the date of the last payment made on this account and the amount of that payment. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Please describe in detail your firms charge-off procedures as they apply under the Sarbanes-Oxley Act of (Pub.L107-204, Stat74). If there have been any additional interest, fees, or charges added since the last billing statement, provide an itemization showing the dates and amount of each added amountIn addition, explain how the added interest, fees or other charges are expressly authorized by the consumer agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement, provide an itemization showing the dates and amount of each of them and how those reductions or payments were accrued in your firms charge-off procedure. Provide an updated Terms of Service Agreement for this account including specific amended sections and why those sections were changed. Please describe your Credit Bureau Reporting system and the credit reporting mechanism your firm utilizes in regards to Metro-compliance between your firm and your contracted reporting entity (CRA). Include a comprehensive explanation of the process and description of who handles the data entry, how that information is transmitted and whether the data entry function is outsourced. If your firm OUTSOURCES your METRO-data-entry provide the name, contact address and location of that firm. Does the responsible data-entry firm or department prescribe to the International Organization for Standardization IOS standards for quality and if so what is the adjunct certification number and date? Please describe how your firm ensures comprehensive accuracy and input of all consumer data into the Metro-format and if there have been any recent issues (last years) with data consistency or breaches in information transmission quality reported to you under your firms CRB agreement with any Credit Reporting Agency. Based upon information provided by at least one credit reporting agency, the probability of an end trace error in your report concerning the delinquency on this account is very high, therefore, please provide the LAST Complete METR)-updates submitted to all three Credit Reporting Agencies on this account (In METRO-format including COMPLETE J-Segments and K-Segment with FULL End-Trace) If you fail to provide all parts and requests of the information or documentation I have asked for, please stipulate why to each request including the authorized party that is refusing to comply or make such information availableI will understand that you are unable to confirm or document your claims but the reason or motive must be made clear including the responsible party under the tort law precedents of Respondent superiorIf your firm CANNOT produce ALL of the above noted documentation in the allotted time frame, I will accept a written NOTIFICATION that you are suspending this account statusSaid notification must INCLUDE a formal stipulation withdrawing your claim to this consumer account and your firm must note that you WILL not continue reporting the alleged debt or sell this debt. The WRITTEN NOTIFICATION must also be provided to all the major Credit Reporting Agencies (Trans Union, Equifax, and Experian). If you provide such written notification I will agree not to pursue immediate regulatory action and drop any further legal actions. I have consulted with an attorney and know full well that YOUR firm was put on notice of the enforcement of Haddad vAlexander, Zelmanski, Danner & Fioritto, PLLC and that YOUR firm WILL MEET all these requirements or FACE a possible regulatory action leading to the suspension of your operating rights for NON-COMPLIANCE . YOUR Firm has days to PRODUCE ALL of the requested documentation of your reporting procedure and standards. If your firm cannot or chooses not to respond to this VALIDATION demand and its conditions I will NOT hesitate to FILE suit and SEEK my own payday against your firm for malicious and inaccurate activities-see Fields vWilber Law Firm, Donald LWilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept2004 Lastly, I need this company to VERIFY PHYSICALLY THE VALIDITY OF ALLEGED DATA,ANY CALCULATIONS,DATES,EACH NOTATION,BALANCES AND RECORDS OF ACCOUNT EVEN CHRC PSTATEMENT,PERSONAL IDENTIFIERS AND SOURCE CODES,DELETE DUE TO VIOLATING INFO

We first spoke with Mrs*** on 02/23/On that date our collector advised her of the accounts and updated the contact information (address)During that conversation, Mrs*** advised that she would call us back that same day to provide her *** informationWe received no further
correspondenceOn this same day we queued a new statement to be mailed to the updated address. Further attempts to reach Mrs*** via phone were made on 03/09/17, 03/21/17, 3/29/17, 4/12/and 4/25/17. On 4/25/17, we mailed a final demand letterOn 5/13/17, one of the outstanding charges was listed against Mrs***'s credit history for non-payment. We received a call from Mrs*** on 5/18/This call was the source of her complaintWe have reviewed the audio recording from 5/18/The call lasted approximately minutesMrs*** advised our collector that we had never spoken to her before, denying the initial contact made on 2/23/Our collector never called her a liarIn addition, our collector never made the quoted statement noted within her complaintMrs*** used abusive language toward our collector and he had to make the decision to terminate the call at that point. Upon receipt of this complaint we investigated the charges with our client, *** ***Per their notes, she also telephoned them at 3:PM on 5/18/The client had an old address and updated their informationNote that while *** *** would have mailed statements to an invalid address, we were able to update our address with Mrs*** directly in February of and did mail her letters, which she has received, per her complaintShe advised them that she wanted *** *** to file her ***However, our client advised her that it was past the timely filing limit and they would not filePer our client's notes, the balances are valid and the patient (Cindy ***) is responsible for those balancesThis was relayed to her directly from *** *** on 5/18/17. Mrs***'s statement that *** *** told her she did not owe this money is inaccurateBecause she has received direct verification from *** ***, we will not be removing this item from her creditIt is a valid debt

Internal # ***Balance was paid on 02/25/We submitted a request to the credit bureaus on 03/03/for removalWe have queued an additional request for removalUnfortunately, while a data furnisher can submit data to the bureaus, they, in turn, are not required to provide any sort
of confirmation to us as to when and if they remove an item per our request

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and I accept it.

The case law cited in Mr. [redacted]' rebuttal are specific to validation efforts by a collection agency when a consumer requests validation within their 30-day validation period. Mr. [redacted]' request for validation was made well outside of that time frame. Our office has already taken all necessary steps as required of us.

Yes, I rescind in order to hear from the business. My original complaint still stands as far as the company providing me with the contractual agreement I have with them. I am unaware of signing any contract or agreement as well as any credit from this business.

Initial Business Response /* (1000, 5, 2015/12/23) */
Can the consumer please provide an account number, which would have been noted on the credit report. This will aid us in properly identifying the account and responding to the issue.
Initial Consumer Rebuttal /* (3000, 7, 2015/12/29)...

*/
(The consumer indicated he/she DID NOT accept the response from the business.)
The acct # on my credit report shows: [redacted]
Another report only shows xxxx
My ss# is [redacted]
Final Consumer Response /* (3000, 19, 2016/01/18) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have contacted my cell phone provider and verified that no incoming calls were made to my phone from your business on 5/29/14. They are mailing me paper copies of the phone records for verification.
Also, I never received any form of mail from your company. Please provide copies of certified postage receipt(s) showing the date you mailed to me. Otherwise, as requested earlier, please have this account removed from my credit file immediately.
Final Business Response /* (4000, 21, 2016/01/19) */
Our attempt to reach you via telephone was unanswered and no voicemail recording was left. We are not permitted to leave recorded messages as they may be heard by a 3rd party. Cell phone companies do not treat unanswered calls as "completed." As such, your cell phone company would not have a record of the incoming call. Only "completed" calls are tracked by your provider. Your account has been marked as "in dispute by consumer."