Stoneleigh Recovery Associates, LLC

On December 23, SRA received the Revdex.com complaint filed by Joseph [redacted] size="3">Stoneleigh Recovery Associates, LLC (SRA) is a third party debt collection agency, but this is not an attempt to collect a debtWe take every complaint seriously and wish to resolve this matter amicably SRA is a licensed and bonded collection agency, accredited by the Revdex.com SRA abides by all local, state and federal laws regulating our business SRA established our policies and procedures to exceed the minimum requirements established by these laws In fact, SRA established an internal compliance program in order to ensure observance of all applicable local, state, and federal lawsAs part of the compliance program, management not only trains representatives at the onset of their hire but also administers continuous training throughout employmentThis includes call monitoring, written exams, one-on-one instruction Additionally, SRA institutes a progressive disciplinary program to guard against any illegal or unprofessional conduct SRA does not own the account referenced in Mr [redacted] ’s complaint On December 10, the account was placed in our office for collection services by CFAM Financial Services, LLC (CFAM) SRA has processed Mr [redacted] ’s complaint as a dispute of the account We have updated the account notes and requested validation from CFAM SRA will not resume collection activities on the account until validation has been provided Mr [redacted] also mentioned the expiration of the statute of limitations in regards to the account The expiration of the statute of limitations does not invalidate the right of the debt owner to obtain repayment through collection activity; rather it merely renders the debt unenforceable by way of a lawsuitOther means of collection activity is permissible beyond the expiration of the statute of limitations If Mr [redacted] has further questions we can be reached toll-free at 866-724-Monday thru Thursday between AM and PM (CST), Friday between AM and PM (CST) Tell us why here

On March 23, SRA received the Consumer Financial Protection Bureau complaint filed by [redacted] *** Stoneleigh Recovery Associates, LLC (SRA) is a third party debt collection agency This is not an attempt to collect a debt, this correspondence is in response to Ms [redacted] complaint We take every complaint seriously and wish to resolve this matter amicably As an initial matter, SRA is a legitimate, family-run small business, employing close to one hundred hard working individuals We are a licensed, bonded and insured debt collection company We are accredited by the Revdex.com with an A rating SRA is also a Certified Professional Receivables Management Company by DBA International SRA abides by all local, state and federal laws regulating our business SRA established our policies and procedures to exceed the minimum requirements established by these laws In fact, SRA established an internal compliance program in order to ensure observance of all applicable local, state, federal lawsAs part of the compliance program, management not only trains representatives at the onset of their hire but also administers continuous training throughout employmentThis includes call monitoring, written exams, one-on-one instruction, and a progressive disciplinary program.SRA does not own Ms [redacted] account First Financial Investment Fund V, LLC (First Financial) purchased the account and on February 16, 2016, it was placed in our office for collection services by the current account ownerFirst Financial is a Certified Debt Buyer by DBA InternationalMsLewis is correct that her account is past the statute of limitations in Georgia for filing a law suit to recover the past due balance The expiration of the statute of limitations does not invalidate the right of the debt owner to obtain repayment through collection activity; rather it merely renders the debt unenforceable by way of a lawsuit Other means of collection activity is permissible beyond the expiration of the statute of limitations.SRA treated Ms [redacted] complaint as a dispute of the account and we have stopped all collection activity SRA sent a copy of Ms [redacted] complaint to First Financial with a request for validation Pursuant to federal law, SRA will not resume collection activities until the account has been validated and Ms [redacted] dispute resolved Finally, SRA is required by both privacy laws and customer protocols to identify a consumer over the phone with two pieces of personal identification information before discussing information concerning an account in our office for collection The two pieces of information can be either the home address, date of birth, or last four digits of the social security number On incoming calls, we also might ask for a consumer’s phone number to help identify the correct account in our system SRA was very disappointed to learn of Ms [redacted] complaint regarding unprofessional or harassing conduct by an SRA representative SRA does not condone harassing behavior by any employee Professional conduct by our employees is of the utmost importanceSRA is committed to superior service, not only for our customers, but for consumers as well, regardless of their age We appreciate MsLewis bringing this to our attention Rest assured that consistent with SRA policy and standards of conduct, we will take any disciplinary action necessary against any employee found to have violated our policies or standards.As soon as First Financial has provided validation information, we will send that to Ms [redacted] for her review Until that time, all collection activity will be on holdTell us why here

THE WORST CUSTOMER SERVICECarmela [redacted] is the rep we have been dealing withShe SCREAMS over the phone, speaks very rudely, is impatient, lies, blatantly ignores anything you're saying, calls you namesHow can a company be run like this? This company is a jokeYou are putting these people who are already in difficult situations in traumatic situations by the way you treat themWe may get attorneys involvedHow can you be a proud business?

On November 9, SRA received the Consumer Financial Protection Bureau complaint filed by jimmy [redacted] Stoneleigh Recovery Associates, LLC (SRA) is a third party debt collection agency This is not an attempt to collect a debt, this correspondence is in response to Mr [redacted] complaint We take every complaint seriously and wish to resolve this matter amicably As an initial matter, SRA is a legitimate, family-run small business, employing close to one hundred hard working individuals We are a licensed, bonded and insured debt collection company We are accredited by the Revdex.com with an A rating SRA is also a Certified Professional Receivables Management Company by DBA International SRA abides by all local, state and federal laws regulating our business SRA established our policies and procedures to exceed the minimum requirements established by these laws In fact, SRA established an internal compliance program in order to ensure observance of all applicable local, state, federal lawsAs part of the compliance program, management not only trains representatives at the onset of their hire but also administers continuous training throughout employmentThis includes call monitoring, written exams, one-on-one instruction, and a progressive disciplinary program As Mr [redacted] points out, SRA does not own the account at issue First Financial Investment Fund V, LLC (First Financial) purchased the account and on October 19, 2016, it was placed in our office for collection services by the current account owner SRA treated Mr [redacted] complaint as a dispute of the account and we have stopped all collection activity SRA sent a copy of Mr [redacted] complaint to First Financial with a request for validation, including an itemized bill Pursuant to federal law, SRA will not resume collection activities until the account has been validated and Mr [redacted] dispute resolved As soon as First Financial has provided validation information, we will send it to Mr [redacted] for his review Until that time, all collection activity will be on holdTell us why here

Initial Business Response / [redacted] (1000, 5, 20**/04/09) */ Contact Name and Title: [redacted] Compliance Manager Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @stoneleigh.biz On April 1, [redacted] Stoneleigh Recovery Associates (SRA) received the Revdex.com (Revdex.com) complaint filed by *** [redacted] This communication is from a debt collector; but, this is not an attempt to collect a debtThis communication is in response to Ms [redacted] 's Revdex.com complaint Stoneleigh Recovery Associates, LLC (SRA) is a third party debt collection agencySRA does not own the account in questionOur customer [redacted] Investment Group Portfolio No**, LLC( [redacted] ) owns the original account number XXXX-XXXX-XXXX-*** SRA abides by all local, state and federal laws regulating our businessSRA established our policies and procedures to exceed the minimum requirements established by these lawsIn fact, SRA established an internal compliance program in order to ensure observance of all applicable local, state, federal lawsAs part of the compliance program, management not only trains representatives at the onset of their hire but also administers continuous training throughout employmentThis includes call monitoring, written exams, one-on-one instruction, and a progressive disciplinary program We are very disappointed to learn of Ms [redacted] 's complaint regarding mean conduct by our representativesSRA does not condone unprofessional or mean behavior by any employeeProfessional conduct by our employees is of the utmost importanceSRA is committed to superior service, not only for our customers, but for all consumersConsistent with SRA's policy and standards of conduct, we will take any disciplinary action necessary against any employee found to have violated our policies or standardsWe appreciate Ms [redacted] bringing this to our attention and invite Ms [redacted] to contact our Compliance Manager, [redacted] ***, to provide any other information that she may find relevant [redacted] can be reached at [redacted] @stoneleigh.biz or XXX-XXX-XXXX On February 2, 20**, after speaking with Ms [redacted] the SRA representative noted Ms [redacted] 's dispute and request for validation documentsAt that time we ceased all collection activities, until we provide the account documentation to Ms [redacted] The document request process can take more than thirty daysWhen we request documents from our customer, our customer must then request the documents from the original creditorOn April 2, [redacted] we received three documents The [redacted] Account Statement from August 28, to September 27, The [redacted] Account Statement from January 28, to February 27, This statement shows the last purchase on the account The [redacted] Account Statement from April 28, to May 27, We have sent these to Ms [redacted] for her reviewIf Ms [redacted] did not make the charge reflected on the statement, she indicated that she was not in the country, please contact us and we will send her the FTC fraud affidavit to completeWe can be reached toll free at XXX-XXX-XXXX Our customer has agreed to freeze interest charges on the account from February 2, [redacted] (the date Ms [redacted] requested documentation) until April **, 20**Therefore, no interest will have accrued while Ms [redacted] has been waiting for the account documentation Initial Consumer Rebuttal / [redacted] (3000, 7, 20**/04/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) While I appreciate the thorough explanation provided above, it does very little to resolve the issueI was promised an explanation of the charges and given until April **th with no interest and April 19th to respondAs of writing this message, I have NOT received any correspondenceAgain, this business is not sharing basic information about the charge in question so we can proceed to resolution I respectfully invite their compliance department to revisit their internal systemAll I ask is for a simple explanation of this charge that is negatively impacting my credit record Thank you, Final Business Response / [redacted] (4000, 12, 20**/05/14) */ We apologize for any delaySRA mailed the documents on April 8, 20**Ms [redacted] should receive the documents any dayOur policy is not to disclose the contents of the account documents in complaint correspondence to protect consumer's privacy Since receiving Ms [redacted] 's response, she called into our office and had a discussion with our Compliance ManagerWe appreciate her feedback Final Consumer Response / [redacted] (2000, 14, 20**/ (The consumer indicated he/she ACCEPTED the response from the business.) I received the mail from them since then and have resolved itI hope they improve their model after I gave them some feedback on my experience

On March 23, Stoneleigh Recovery Associates, LLC (SRA) received the Revdex.com complaint filed by Katherine *** We take every complaint seriously and wish to resolve this matter amicably SRA is a licensed, bonded and insured debt collection company We are accredited by the Revdex.com with an A rating SRA abides by all local, state and federal laws regulating our business We established our policies and procedures to exceed the minimum requirements established by these laws In fact, SRA has an internal compliance program in order to ensure observance of all applicable local, state, federal lawsAs part of the compliance program, management not only trains representatives at the onset of their hire but also administer continuous training throughout employmentThis includes call monitoring, written exams, one-on-one instruction, and a progressive disciplinary program SRA does not own the accounts referenced in the complaintThey are owned by our client who purchased the accounts from the original creditor, after the bankruptcy court approved the sale of the accounts (so the current owner of the account and the bankruptcy court were aware that the accounts were sold)On March 7, 2018, the current owner of the accounts placed the account for Ms [redacted] in our office for collection At the time of placement, the information provided by the owner indicated the account to be valid On March 8, SRA sent a letter to Ms [redacted] regarding the accountThe letter provided information on how to dispute the accountDuring a telephone call we had with Ms [redacted] on March 19, 2018, she informed our agent of her disputeAt that time SRA updated the file concerning the dispute, notified the current owner and requested validationSRA now waits for the validation (i.ethe documents confirming the validity of the accounts such as the bills showing the dates of service, billing amount and reason) SRA will not resume debt collection activities on the account until the validation has been received and provided to Ms*** In regards to Ms***’s concern about credit reporting, SRA does not report to the credit reporting agencies (sometimes referred to as a trade lines on a credit report) SRA may appear on Ms***’s credit bureau report but only as an inquiryThis is separate and distinct from a trade line Federal law permits credit reporting agencies to provide information from a consumer’s credit report, including a copy of the report, to an entity who has permission to receive this information, like debt collectors in connection with the collection of a consumer’s account The credit bureaus are required by law to post on a consumer’s report any time that they furnish information from a report to another party The credit bureaus show you who inquired by listing the names directly on your report This is why Ms [redacted] may see SRA on her credit report It is not something that can be removed, as it is done for the consumer’s benefit (so the consumer knows who has been looking at her report) SRA has been told by the credit reporting agencies that an inquiry does not impact a consumer’s credit score and that only the consumer can see the inquiries Further questions about credit reporting should be directed to the Credit Reporting Agency furnishing the reportTell us why here

Initial Business Response / [redacted] (1000, 7, 2014/05/29) */ Contact Name and Title: [redacted] - COMPLIANCE Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @STONELEIGH.BIZ Stoneleigh Recovery Associates, LLC (SRA) is a third party debt collection agencySRA does not own the accounts referenced in [redacted] ***'s complaintOur customer [redacted] Group No [redacted] (Bureaus) owns the accounts On May 15, Stoneleigh Recovery Associates (SRA) received the Revdex.com (Revdex.com) complaint filed by [redacted] ***We take every complaint seriously and wish to resolve this matter amicably SRA was very disappointed to learn of Ms***'s complaint regarding unprofessional conduct by an SRA representativeSRA does not condone unprofessional behavior by any employeeProfessional conduct by our employees is of the utmost importanceSRA is committed to superior service, not only for our customers, but for consumers as wellRest assured that consistent with SRA policy and standards of conduct, we will take any disciplinary action necessary against any employee found to have violated our policies or standardsWe appreciate Ms [redacted] bringing this to our attention SRA abides by all local, state and federal laws regulating our businessSRA established our policies and procedures to exceed the minimum requirements established by these lawsIn fact, SRA established an internal compliance program in order to ensure observance of all applicable local, state, federal lawsAs part of the compliance program, management not only trains representatives at the onset of their hire but also administers continuous training throughout employmentThis includes call monitoring, written exams, one-on-one instruction, and a progressive disciplinary program On November 14, Bureaus placed SRA file number XXXXXXX with our office for collectionOn February 11, 2014, Bureaus placed SRA file number XXXXXXX with our office for collection SRA has submitted the request for an itemized statement on both accounts to BureausNeither the Bureaus nor SRA maintains itemized monthly account statementsThere is no monthly billing cycle when your account is placed with a collection agencyThis is true even if you are making monthly payments on the outstanding balance Our customer, Bureaus, and our office would really like to continue to work with Ms [redacted] to resolve her accountsOn May 28, SRA received two mail- in payments from Ms***SRA accepts a number of payment methods including mailing in checks or money orders In light of the complaint, SRA has designated the account so that if Ms [redacted] would like to call with future questions she will speak directly with a managerIf Ms [redacted] has additional questions we can be reached at XXX-XXX-XXXX 6-5-additional info from business: UPDATE: Pursuant to Ms***'s request, Bureaus has provided the requested accounting information on both Ms***'s accountsSRA sent this information to Ms [redacted] on June 5, While an account is placed in collections, there is no monthly billing cycleThis is true even when you are making monthly payments on the outstanding balanceIf automatic payments are scheduled, you will receive monthly notices listing the current balance as of the letter generation dateAs a third party debt collection company, SRA send all payments received to the owner of the accounts, in Ms***'s case to the BureausBureaus maintains itemized accounting details for all their accounts

On March 21, SRA received the Consumer Financial Protection Bureau complaint filed by [redacted] size="3">Stoneleigh Recovery Associates, LLC (SRA) is a third party debt collection agency This is not an attempt to collect a debt, this correspondence is in response to Ms [redacted] complaint We take every complaint seriously and wish to resolve this matter amicably As an initial matter, SRA is a legitimate, family-run small business, employing close to one hundred hard working individuals We are a licensed, bonded and insured debt collection company We are accredited by the Revdex.com with an A rating SRA is also a Certified Professional Receivables Management Company by DBA International SRA abides by all local, state and federal laws regulating our business SRA established our policies and procedures to exceed the minimum requirements established by these laws In fact, SRA established an internal compliance program in order to ensure observance of all applicable local, state, federal lawsAs part of the compliance program, management not only trains representatives at the onset of their hire but also administers continuous training throughout employmentThis includes call monitoring, written exams, one-on-one instruction, and a progressive disciplinary programSRA does not own Ms [redacted] account First Financial Investment Fund V, LLC (First Financial) purchased the account and on March 9, 2016, it was placed in our office for collection services by the current account ownerFirst Financial is a Certified Debt Buyer by DBA International SRA treated Ms [redacted] complaint as a dispute of the account and we have stopped all collection activity SRA sent a copy of Ms [redacted] complaint to First Financial with a request for validation Pursuant to federal law, SRA will not resume collection activities until the account has been validated and Ms [redacted] dispute resolved Finally, SRA was very disappointed to learn of Ms [redacted] complaint regarding unprofessional and inappropriate conduct by an SRA representative SRA does not condone unprofessional, threatening, or inappropriate behavior by any employee Professional conduct by our employees is of the utmost importanceSRA is committed to superior service, not only for our customers, but for consumers as well, regardless of their age We appreciate Ms [redacted] bringing this to our attention Rest assured that consistent with SRA policy and standards of conduct, we will take any disciplinary action necessary against any employee found to have violated our policies or standardsIn regards to her comment about attempting to receive bank account information, we thought it important to inform Ms [redacted] that SRA is required by both privacy laws and customer protocols to identify a consumer over the phone with two pieces of personal identification information before discussing information concerning an account in our office for collection The two pieces of information can be either the home address, date of birth, or last four digits of the social security number On incoming calls, we also might ask for a consumer’s phone number to help identify the correct account in our system An SRA representative should never ask for a bank account number as part of the identification process but only when discussing payment Again, we will take any disciplinary action necessary against any employee found to have violated our policies or standardsAs soon as First Financial has provided validation information, we will send that to Ms [redacted] for her review Until that time, all collection activity will be on hold Tell us why here

On March 23, SRA received the Consumer Financial Protection Bureau complaint filed by *** ** ***.
size="3">Stoneleigh Recovery Associates, LLC (SRA) is a third party debt collection agency. This is not an attempt to collect a debt, this correspondence is in response to Ms*** complaint. We take every complaint seriously and wish to resolve this matter amicably.
As an initial matter, SRA is a legitimate, family-run small business, employing close to one hundred hard working individuals. We are a licensed, bonded and insured debt collection company. We are accredited by the Revdex.com with an A rating. SRA is also a Certified Professional Receivables Management Company by DBA International. SRA abides by all local, state and federal laws regulating our business. SRA established our policies and procedures to exceed the minimum requirements established by these laws. In fact, SRA established an internal compliance program in order to ensure observance of all applicable local, state, federal lawsAs part of the compliance program, management not only trains representatives at the onset of their hire but also administers continuous training throughout employmentThis includes call monitoring, written exams, one-on-one instruction, and a progressive disciplinary programSRA does not own Ms*** account. First Financial Investment Fund V, LLC (First Financial) purchased the account and on February 16, 2016, it was placed in our office for collection services by the current account ownerFirst Financial is a Certified Debt Buyer by DBA International
MsLewis is correct that her account is past the statute of limitations in Georgia for filing a law suit to recover the past due balance. The expiration of the statute of limitations does not invalidate the right of the debt owner to obtain repayment through collection activity; rather it merely renders the debt unenforceable by way of a lawsuit. Other means of collection activity is permissible beyond the expiration of the statute of limitationsSRA treated Ms*** complaint as a dispute of the account and we have stopped all collection activity. SRA sent a copy of Ms*** complaint to First Financial with a request for validation. Pursuant to federal law, SRA will not resume collection activities until the account has been validated and Ms*** dispute resolved.
Finally, SRA is required by both privacy laws and customer protocols to identify a consumer over the phone with two pieces of personal identification information before discussing information concerning an account in our office for collection. The two pieces of information can be either the home address, date of birth, or last four digits of the social security number. On incoming calls, we also might ask for a consumer’s phone number to help identify the correct account in our system.
SRA was very disappointed to learn of Ms*** complaint regarding unprofessional or harassing conduct by an SRA representative. SRA does not condone harassing behavior by any employee. Professional conduct by our employees is of the utmost importanceSRA is committed to superior service, not only for our customers, but for consumers as well, regardless of their age. We appreciate MsLewis bringing this to our attention. Rest assured that consistent with SRA policy and standards of conduct, we will take any disciplinary action necessary against any employee found to have violated our policies or standardsAs soon as First Financial has provided validation information, we will send that to Ms*** for her review. Until that time, all collection activity will be on hold Tell us why here

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10988800, and find that this resolution is satisfactory to me
Sincerely,
Larry ***

On December 23, SRA received the Revdex.com complaint filed by Joseph ***. Stoneleigh Recovery Associates, LLC (SRA) is a third party debt collection agency, but this is not an attempt to collect a debtWe take every complaint seriously and wish to resolve this matter
amicably. SRA is a licensed and bonded collection agency, accredited by the Revdex.com. SRA abides by all local, state and federal laws regulating our business. SRA established our policies and procedures to exceed the minimum requirements established by these laws. In fact, SRA established an internal compliance program in order to ensure observance of all applicable local, state, and federal lawsAs part of the compliance program, management not only trains representatives at the onset of their hire but also administers continuous training throughout employmentThis includes call monitoring, written exams, one-on-one instruction. Additionally, SRA institutes a progressive disciplinary program to guard against any illegal or unprofessional conductSRA does not own the account referenced in Mr***’s complaint. On December 10, the account was placed in our office for collection services by CFAM Financial Services, LLC (CFAM)SRA has processed Mr***’s complaint as a dispute of the account. We have updated the account notes and requested validation from CFAM. SRA will not resume collection activities on the account until validation has been provided. Mr*** also mentioned the expiration of the statute of limitations in regards to the account. The expiration of the statute of limitations does not invalidate the right of the debt owner to obtain repayment through collection activity; rather it merely renders the debt unenforceable by way of a lawsuitOther means of collection activity is permissible beyond the expiration of the statute of limitationsIf Mr*** has further questions we can be reached toll-free at 866-724-Monday thru Thursday between AM and PM (CST), Friday between AM and PM (CST)Tell us why here

On January 17, Stoneleigh Recovery Associates, LLC (SRA) received the Revdex.com complaint filed by Justin ***. This correspondence is in response to Mr***’s complaintWe take every complaint seriously and wish to resolve this matter amicably As an initial matter, SRA is a
family-run small business, employing close to one hundred hard working individuals. We are a licensed, bonded and insured debt collection company. We are accredited by the Revdex.com with an A rating. SRA is also a Certified Professional Receivables Management Company by DBA International. SRA abides by all local, state and federal laws regulating our business. SRA established our policies and procedures to exceed the minimum requirements established by these laws. In fact, SRA established an internal compliance program in order to ensure observance of all applicable local, state, federal lawsAs part of the compliance program, management not only trains representatives at the onset of their hire but also administers continuous training throughout employmentThis includes call monitoring, written exams, one-on-one instruction, and a progressive disciplinary program SRA conducted a thorough investigation into the allegation that a payment ran twice for $All of our records indicate the payment was only ran one timeWe have only one payment posted to the account, and our payment processing company only shows one transaction processed in the month of January with that account information If Mr*** is able to provide additional information or documentation regarding the duplicate payment we would be happy to process a refund as requested in the complaintMr*** can provide the information by email to admin*** or contact us by telephone Monday through Friday 8am through 5pm CST toll free at ***Tell us why here

Initial Business Response /* (1000, 7, 2014/05/06) */
Contact Name and Title: *** *** - Compliance
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@stoneleigh.biz
To Whom It May Concern:
On April 17, Stoneleigh Recovery Associates (SRA) received the Revdex.com (Revdex.com)
complaint filed by *** ***We take every complaint seriously and wish to resolve this matter amicably
SRA is a third party debt collection company, but this is not an attempt to collect a debtThis is in response to the complaint filed with the Revdex.comSRA abides by all local, state, and federal laws regulating our businessSRA established our policies and procedures to exceed the minimum requirements established by these laws
SRA does not own the account in questionIt is owned by *** Collection Services Corporation *** The account is a *** business loan in the name of *** Auto IncOn April 7, 2014, *** placed the account in our office for collectionAt the time of placement, Ms ***'s name was provided as an obligated party on the loanOn April 11, SRA sent an initial communication to Ms*** regarding the accountPrior to receiving the complaint from the Revdex.com, SRA had not received any notification that Ms*** disputed the debt or requested verification
SRA treated the Revdex.com complaint as a formal dispute of the accountSRA notified *** of the dispute and requested validation*** produced the original loan application and monthly statement, and in so doing learned that Ms*** is not a co-signor on the loanAn individual named *** *** did fill out the loan application documents for the company but did not co-sign or guarantee the business loan for Affordable Auto, IncIn light of this information, both SRA and *** have removed Ms***'s information from the account and no further communication attempts will be made
Sincerely,
*** ***
Compliance Manager

On November 16, SRA received the Revdex.com complaint filed by Marcos *** Stoneleigh
Recovery Associates, LLC (SRA) is a third party debt collection agency. This is not an attempt to collect a debt, this correspondence is in response to Mr*** complaint. We take every complaint seriously and wish to resolve this matter amicably.
As an initial matter, SRA is a legitimate, family-run small business, employing close to one hundred hard working individuals. We are a licensed, bonded and insured debt collection company. We are accredited by the Revdex.com with an A rating. SRA is also a Certified Professional Receivables Management Company by DBA International. SRA abides by all local, state and federal laws regulating our business. SRA established our policies and procedures to exceed the minimum requirements established by these laws. In fact, SRA established an internal compliance program in order to ensure observance of all applicable local, state, federal lawsAs part of the compliance program, management not only trains representatives at the onset of their hire but also administers continuous training throughout employmentThis includes call monitoring, written exams, one-on-one instruction, and a progressive disciplinary program
SRA does not own the account at issue. First Financial Investment Fund V, LLC (First Financial) purchased the account and on October 19, 2016, it was placed in our office for collection services by the current account owner
SRA treated Mr*** complaint as a dispute of the account and we have stopped all collection activity. SRA sent a copy of Mr*** complaint to First Financial.
First Financial instructed us to close the account in our office. SRA has returned the account to First Financial. SRA will not conduct any further collection activities on the account. The account is closed. First Financial asked us to send Mr*** a letter stating that the account has been settled and the account will not be sold and/or placed with another collection agency

(The consumer indicated he/she DID NOT accept the response from the business.)
I do not now nor ever have had a workers comp claim, additionally, I have only spoken with your office on one occasion as noted in the complaint at which time your representative refused to give me any informationIf you consult the phone book you will find three people with my same name, my father and my son, my guess is it's one of them***

Initial Business Response /* (1000, 5, 2014/09/02) */
Contact Name and Title: *** *** - Compliance
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@stoneleigh.biz
Stoneleigh Recovery Associates, LLC (SRA) is a third party debt collection agencyOn August 19, Stoneleigh
Recovery Associates (SRA) received the Revdex.com (Revdex.com) complaint filed by *** ***SRA does not own the account referenced in Ms***'s complaintOur customer *** No(***) owns the account with original credit card number XXXX-XXXX-XXXX-This communication is in response to *** ***'s complaint Revdex.com; to the extent that it is an attempt to collect a debt, please be advised that any information received will be used for debt collection purposes
We take every complaint seriously and wish to resolve this matter amicablySRA was very disappointed to learn of Ms***'s complaint regarding unprofessional conduct by an SRA representativeSRA does not condone unprofessional or threatening behavior by any employeeProfessional conduct by our employees is of the utmost importanceSRA is committed to superior service, not only for our customers, but for consumers as wellRest assured that consistent with SRA policy and standards of conduct, we will take any disciplinary action necessary against any employee found to have violated our policies or standardsWe appreciate Ms*** bringing this to our attentionFurther, we invite Ms*** to contact our Compliance Manager, *** ***, to provide us with any other information that she may find relevant*** can be reached at ***@stoneleigh.biz or XXX-XXX-XXXX
SRA abides by all local, state and federal laws regulating our businessSRA established our policies and procedures to exceed the minimum requirements established by these lawsIn fact, SRA established an internal compliance program in order to ensure observance of all applicable local, state, federal lawsAs part of the compliance program, management not only trains representatives at the onset of their hire but also administers continuous training throughout employmentThis includes call monitoring, written exams, one-on-one instruction, and a progressive disciplinary program
According to our records, Ms*** designated a third party to negotiate on her behalf with SRA representativesThe third party had been negotiating a settlement arrangementAs Ms*** stated, the settlement amount negotiated is one thousand two hundred ninety five dollars ($1,295.00)SRA faxed a settlement in full payment agreement letter to the third party on August 6, On August 13, 2014, Ms*** spoke to an SRA representative and authorized the following six payments (not twelve) pursuant to the settlement agreement:
August 31, 2014five hundred dollar ($500.00) payment;
September 30, 2014one hundred and fifty nine dollar ($159.00) payment;
October 31, 2014one hundred and fifty nine dollar ($159.00) payment;
November 30, 2014one hundred and fifty nine dollar ($159.00) payment;
December 31, 2014one hundred and fifty nine dollar ($159.00) payment; and
January 31, 2014one hundred and fifty nine dollar ($159.00) payment
These were the only six payments authorizedThese payments have all been placed on hold due to Ms***'s complaint as explained further detail below
SRA has processed Ms***'s complaint as a dispute of the accountWe notated the account concerning the dispute and request for validation*** already provided a copy of the *** credit card application signed by Ms*** on April 30, *** also provided a copy of the last *** statement prior to charge-offThis document shows the amount owed on December 24, 2012, the statement closing dateMs***'s account earns interest and so the balance grows over timeWe have sent these documents to Ms*** as validation of the account
Because of the dispute, we placed the six payments Ms*** authorized on holdThis means we did not process the payment authorized for August and will not process the payments scheduled through January 2014, until Ms*** contacts us to confirm that she would like to make those paymentsIf she chooses to call in to renew the settlement, we will set up different payment dates for the same settlement amount of $1,This settlement offer is not indefinate and *** is not obligated to renew this offer*** and SRA would really like to continue to work with Ms*** to resolve her accountIf she would like to contact us, Ms*** can call XXX-XXX-XXXXIn light of the complaint, SRA has designated the account so that if Ms*** calls she will speak directly with a manager
Ms*** mentioned that her account had been "charged-off years ago." The term that the industry uses, "charge-off," does not mean that the outstanding account balance has been forgivenThe charge-off amount is the amount of debt that a consumer has failed to pay to the original creditorAn account is "charged-off' or sold when the account becomes severely delinquentThe charge-off, though, does not free the consumer of having to pay the debtThe debt is still valid, due and owing
Initial Consumer Rebuttal /* (3000, 7, 2014/09/13) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have not received ANY paperwork on this matterAlso I have NOT signed any papers that would make me confined to this dealIam widow & on disabilityI do NOT have extra incomeAll other cards that I payed off are still on my credit reportWhen Mr*** passed *** his assits were frozenI NO choice but to use cardsDue to a botched hip replacement I was left with I leg longer than the otherThis surgery left me no choice but to file for disabilityI had to raise our children by myself This is all VERY upsetting to meI wish for *** *** to stop this!!!
Final Business Response /* (4000, 9, 2014/09/23) */
Stoneleigh Recovery Associates, LLC (SRA) is a third party debt collection agencyOn September 14, Stoneleigh Recovery Associates (SRA) received the Revdex.com (Revdex.com) response filed by *** *** regarding her original complaint made on August 19, SRA does not own the account referenced in Ms***'s complaintOur customer *** *** *** No*** owns the account with original credit card number XXXX-XXXX-XXXX-This communication is in response to *** ***'s complaint Revdex.com; to the extent that it is an attempt to collect a debt, please be advised that any information received will be used for debt collection purposes
After Ms***'s first complaint, SRA placed all pre-authorized payments on holdBased on Ms***'s response we have deleted these payments from the systemThis means we did not and will not process any of the payments authorized during a phone call between Ms*** and an SRA representativeIf she chooses to call in to renew the settlement, we will set up different payment dates for the same settlement amount of $1,This settlement offer is not indefinate and *** is not obligated to renew this offer*** and SRA would really like to continue to work with Ms*** to resolve her accountIf she would like to contact us, Ms*** can call XXX-XXX-XXXXIn light of the complaint, SRA has designated the account so that if Ms*** calls she will speak directly with a manager
Ms*** indicated that she did not receive the account documentation referenced in our first response, the *** *** credit card application and last statement prior to charge-offWe sent them to the address we have on file for Ms*** on *** Drive in *** *** We ask that Ms*** please wait five to ten days and if she still has not received the documentation, Ms*** can contact us to have us resend the documentsMs*** can call XXX-XXX-XXXX

Complaint: ***
I am rejecting this response because:The response was professional and seemed to explain a comprehensive system that they clearly don't have solidifiedIt's nice to say that the way they behaved is not how thebusiness operates, but, clearly, that is not the caseConsequentially, my career has been placed on hold for many weeks now and I am unsure for how much longer it will take to receive their correspondenceI appreciate that they claim they will take corrective action, but that doesn't resolve the poor business practices that they have providedHopefully, in the future, they can find evolve into a business worthy of a better grade form the Revdex.com.Sincerely,
*** ***

Stoneleigh Recovery Associates, LLC (SRA) is a third party debt collection agency. On March 8, Stoneleigh Recovery Associates
(SRA) received the Revdex.com (Revdex.com) complaint filed by *** ***. This communication is in response to Mr*** complaint Revdex.com. We take every complaint seriously and hope to resolve this matter amicably
SRA was very disappointed to learn of Mr*** complaint regarding his attempt to receive a payment history. SRA abides by all local, state and federal laws regulating our business. SRA established our policies and procedures to exceed the minimum requirements established by these laws. In fact, SRA established an internal compliance program in order to ensure observance of all applicable local, state, federal lawsAs part of the compliance program, management not only trains representatives at the onset of their hire but also administers continuous training throughout employmentThis includes call monitoring, written exams, one-on-one instruction, and a progressive disciplinary program. All of our phone calls are recorded and we will conduct an investigation to evaluate the calls between Mr*** and our representatives. Rest assured that consistent with SRA policy and standards of conduct, we will take any disciplinary action necessary against any employee found to have violated our policies or standards.
We prepared and mailed to Mr*** a payment history letter demonstrating the payments (including the recent final payment) and current status of his account. We mailed the letter Friday, March 11, 2016. If he has any further questions or concerns, please contact us at *** or via telephone at *** Tell us why here

On
*** *** *** SRA received the Revdex.com complaint filed by *** ***. SRA is a debt collection company, but this is
not an attempt to collect a debtThis is in response to *** ***’s complaint
We take every complaint seriously and wish to resolve this matter amicably.As
an
initial matter, SRA apologizes for any delay in response. In the complaint we received, it indicated
that the complaint was first reported to the Revdex.com in October. SRA first learned of the complaint when we
received notice from the Revdex.com last Friday; however, the notice indicated that it
was the second correspondence from the Revdex.com. We do not know what happened and are following up both internally and
with the Revdex.com to make sure this does not happen in the future.As
to the complaint, SRA abides by all local, state and federal laws regulating
our business. SRA established our
policies and procedures to exceed the minimum requirements established by these
laws. In fact, SRA established an
internal compliance program in order to ensure observance of all applicable
local, state, and federal lawsAs part of the compliance program, management
not only trains representatives at the onset of their hire but also administers
continuous training throughout employmentThis includes call monitoring,
written exams, one-on-one instruction. Additionally, SRA institutes a progressive disciplinary program to guard
against any illegal or unprofessional conduct.SRA
does not own the account in question. Our customer, *** *** *** *** *, LLC *** *** owns
the account. On *** *** *** *** *** placed the account with our office for collection. On *** *** ***, SRA sent an initial
communication to *** *** regarding the account containing both the federal
and state language requirements, including an explanation of how to dispute the
account. SRA sent the letter to the
address we have on file in Mesa, Arizona.In order to comply
with privacy laws, SRA’s customers have developed protocols to identify a
consumer over the phone with two pieces of personal identification information
before discussing information concerning the account for privacy reasons. The two pieces of information can be either
the home address, date of birth, or last four digits of the social security
number. On incoming calls, we also might
ask for a consumer’s phone number to help identify the correct account in our
system. Additionally, we
must identify that we are speaking with the account holder prior to stating
that SRA is a debt collection company because the *** *** *** *** *** does not permit debt collectors to disclose to anyone else that
we are attempting to collect a debt without the permission of the account
holder.If *** *** has
additional questions regarding the account we can discuss them over the phone,
but only after we have verified that we are speaking with the correct *** *** We can be reached toll free at ***

I was called by this company through a phone number I did not recognize 8**SSN**,so I answeredHe identified himself as something Gomez and he needed to speak to someone I was notHe did not state what business he was with so nor did I recognized the name so I asked again who he was with and what businessHe proceeded to tell me he already disclosed who he was and who was I with an aggressive toneI told him I'm sorry but you called me so you must know who I am and I'm not disclosing any information until he tells me name, company and purpose of callHe didn't like that so he proceeded to tell me again some name that starts with a *** Gomez, I believe and needed to speak to someone I was notHe then asked me again who was II told him that I would not disclose anything until he told me company name and purposeAt this moment he got incredibly aggressive and raised his voice and told me, "You need to find so and so, give him this message and have him call me." I told him to hold on and told him, "I need to?" I'm sorry but you must be confusing with someone else for you to be demanding me to do your jobYou haven't even answered my question for you to demand somethingHe changed his tone a bit and tried to say he said pleaseI told him he must have had the wrong person to demand for something over the phoneHe then began to insult Mr and said that I must have woke up from the wrong side of bed this morning because all he needs is my name or deliver the messageI told him until he identifies himself, company, and purpose he will not get a single word out of me as he is the one who called meHe continued on with his scare tactics to try and anger by saying, "Are you hiding from someone? Why can't you tell me who you are?" Are you scared?" At this point, I was starting to get frustrated with this guy as he was being very condescending that I almost thought it was a prank callI told him I'm not the person you are looking for, I respect my privacy but I do not appreciate the tone he was talking to meHe just hung up after thatHe did not apologized or said sorryHe went as far and calling my lady's lineTold her to just take a message, he used the same number as above, same name and asked to be called at **SSN**Very unprofessional placeOnce I called the number back to let them know to not call any of my lines, I spoke with a lady who asked me if I was that particular person and hung up on meI called again and a guy answered who sounded like Gomez but with a different nameI told him to remove me of their calling list and my other lines associated with itI told him everything that happened and before I could continue he said he wold check in his "government" database to who this number was registered toI guess it was another scare tactic to try and get me to tell them I was someone I wasn't? I believe they must make their money of leads or somethingI told him about the things the other guy saidHe told me by law they can't disclose the company name? I told him the Revdex.com may have to say otherwise considering how much fraud/identify theft/scams happen over the phoneJust as privacy is important on the Internet, you have to do the same over the phoneHe cut me off and decided to want to educate me on Revdex.comHe told me that companies have clean records based on how much mone they pump into the Revdex.comI was shocked he said that as their company website goats about their incredible reputation with the Revdex.com, I added," sounds like your company will have to feed more money into the Revdex.com after this call." He replied by saying, it is not my money, it's the company's moneyI'm just telling you how it worksWe won't be calling you nor any of your linesI asked him what his "government" database said about my numberI'm sure they use a third party data mining company and he said I was right and it's not the person they are looking for and hung upThe experience was awful, I understand that these people's job is to ask for money but I don't think the aggressiveness towards someone who is not a wrong doer is justAll of this could have been avoided had they verified the number was related to that personAll the people within my group with caller ID tell me it shows my name so don't see why they think I wold have been someone else