Stoneleigh Recovery Associates, LLC

This company calls my company phone, will sit on the line for thirty seconds and hang up on me and call a few hours later and do the same thing several times a dayI finally called back and they said they were looking for someone to collect a debtI do not know the person who they are looking for and the lady was rather rude

Complaint: ***
I am rejecting this response because:
I have NEVER received any correspondence from this companyConsequently, this means they have never provided full detailsThe first time I heard anything was by a recent phone call.sincerely,
*** ***

Initial Business Response /* (1000, 8, 2015/06/05) */
Contact Name and Title: *** - ***
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@STONELEIGH.BIZ
On May 26, Stoneleigh Recovery Associates, LLC (SRA) received the Revdex.com (Revdex.com) complaint filed by Ms***
***SRA is a third party debt collection agencySRA does not own the account referenced in MsLeach's complaintWe take every complaint seriously and wish to resolve this matter amicably
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
Ms*** is correct that her account is past the statute of limitations in California for filing a law suit to recover the past due balanceThe 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
We have processed Ms***'s request to cease and desist communicationsSRA updated her account recordsMs*** will not receive any letters or phone calls from SRA regarding the accountWe also informed our customer of Ms***'s cease and desist requestIf Ms*** would like to resolve the account she can call our officeWe can be reached at XXX-XXX-XXXX

Stoneleigh Recovery Associates, LLC (SRA) is a third party debt collection agency. On March 17, Stoneleigh Recovery Associates (SRA) received Mr*** rejection of SRA’s response to his March 8, Revdex.com (Revdex.com) complaint. This communication is in response to Mr*** complaint Revdex.com. We take every complaint seriously and are disappointed that we did not resolve his matter amicably
On Friday, March 11, we mailed Mr*** a payment history letter demonstrating all of his payments and the current status of his account pursuant to his request. At this point, he should have received this letter. We apologize for any delay or inconvenience that occurred from the time that he originally requested a payment history letter. If he still has not received the correspondence, please contact us at *** or via telephone at *** so that we can determine if there is a faster way to provide the letterSRA 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 ratingWe are a Certified Account Receivables Company through DBA, International. We have a robust compliance management system to ensure that our policies and procedures meet and exceed federal, state and local laws. Unfortunately, no one is perfect and when an employee makes a mistake we have a progressive disciplinary system in place to discipline, correct and retrain. As previously mentioned, we have continuous training, written exams, one-on-one instruction, and regular call monitoring all designed to ensure consumers have positive customer service experiences with our representatives. We appreciate Mr*** that took the time to file a complaint with the Revdex.com giving us the opportunity to evaluate, address, and correct any issues that he had with our representativesAgain, if he still has not received the correspondence, please contact us at *** or via telephone at *** so that we can determine if there is a faster way to provide the letter Tell us why here

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 amicablySRA 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 March 21, Stoneleigh Recovery Associates, LLC (SRA) received the complaint filed by Angel L*** with the Revdex.com. 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***’s 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 Mr*** is correct that his account is past the statute of limitations in Florida 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 Nevertheless, SRA will close Mr***’s account. He will not receive any further communications concerning his account from our office. The account will be permanently closed and not sold. If Mr*** has any further questions, he can reach out to our office

Initial Business Response /* (1000, 5, 2015/05/12) */
Contact Name and Title: *** *** - Compliance
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@stoneleigh.biz
On May 6, Stoneleigh Recovery Associates, LLC (SRA) received the Revdex.com (Revdex.com) complaint filed by Ms***
***SRA is a third party debt collection agencySRA does not own the account referenced in Ms***'s complaintWe take every complaint seriously and wish to resolve this matter amicably
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
SRA was very disappointed to learn of Ms***'s complaint regarding unprofessional or disrespectful conduct by an SRA representativeSRA does not condone unprofessional or disrespectful 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 wellWe appreciate Ms*** bringing this to our attentionRest 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 want to assure Ms*** that we have removed her work phone number from the accountShe will not receive phone calls from SRA regarding the account at her work numberAdditionally, pursuant to the complaint, SRA will not contact Ms*** by phone regarding this accountIf Ms*** would like to resolve the account she can call our officeWe can be reached at XXX-XXX-XXXX

Initial Business Response /* (1000, 9, 2014/10/10) */
Contact Name and Title: *** *** - Compliance
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@stoneleigh.biz
Case #XXXXXXXX
Stoneleigh Recovery Associates, LLC (SRA) is a third party debt collection agencyOn September 22,
Stoneleigh Recovery Associates (SRA) received the Revdex.com (Revdex.com) complaint filed by Mr*** ***SRA does not own the account referenced in Mr***'s complaintOur customer *** *** *** *** V, LLC *** *** owns the accountOn August 11, 2014, *** *** placed the account with our office for collectionThis communication is in response to Mr***'s complaint Revdex.com, this is not an attempt to collect a debt
We take every complaint seriously and wish to resolve this matter amicablySRA 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 August 26, 2014, we spoke with Mrs*** and she explained that she disputed the account as it had already been paidOn the same day, Mrs*** sent us the fax described in the complaint with information and a clearance letter showing that the account had a zero balance after payment with a prior collection agencyDiversified Account SystemsSRA immediately ceased collection activity on the account and notated the disputeWe sent all of this information to *** ***
The Fair Debt Collection Practices Act requires that when a customer disputes an account the collection agency must cease collection activity until the account has been validatedThere is no time frame requirement in the actOften the verification process can take over ninety days because the owner of the account needs to contact and request information from other entities (such as the original owner, or another collection agency)SRA did not resume collection activities at any time on the account
On September 20, 2014, we received a call from Mrs***She explained her frustration that she had not heard anything yetOn September 22, the SRA collection manager contacted the client directly*** *** asked us to close the account in our officeWe closed the account and returned it to *** *** SRA will never contact the ***'s again regarding the account
If they have additional questions for *** *** they should contact *** *** directlyHere is the contact information for *** *** *** *** St, 15th Floor, *** ** XXXXXTelephone XXX-XXX-XXXX

Tell us why hereOn June 8, *** received the Revdex.com complaint filed by George ***. Stoneleigh Recovery Associates, LLC (***) is a third party debt collection agency. This is not an attempt to collect a debt, this correspondence is in response to Mr***’s
complaint. We take every complaint seriously and wish to resolve this matter amicably. As an initial matter, *** abides by all local, state and federal laws regulating our business. *** established our policies and procedures to exceed the minimum requirements established by these laws. In fact, *** 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. *** does not own the account at issue. It was placed in our office by the current creditor on June 2, 2017. *** apologizes for the delayed response to this complaint. Our General Counsel was out of the office when we received the complaint. Unfortunately, this complaint was buried in a sea of emails and we are just getting to responding in writing to the Revdex.com now. However, *** treated ***’s complaint as a dispute of the account and on June 8, updated our files concerning the dispute and stopped all collection activity. *** also sent a copy of the complaint to our customer, the current creditor and requested verification. *** received the verification on June 30, 2017. Today, *** is sending a copy of the verification to Mr*** along with the FTC Fraud Affidavit (as explained below). Mr*** should be on the lookout for this letter. We recognize that the verification might not resolve the dispute as Mr***’s complaint referenced fraud. Our fraud procedure requires all collection activity to be placed on hold until a fraud investigation can be conducted by our client. In order to complete the investigation, we ask the consumer to fill out and return the FTC fraud affidavit along with a copy of a government issued identification card with a signature and any other information the consumer would like to provide. This information is then provided to the account owner to conduct an investigation. We will not resume collection activity until the fraud investigation has been completed. We will let Mr*** know the results of the fraud investigation. If, however, Mr*** reviews the validation documents and determines that the account is not the result of fraud, then he does not need to fill out the FTC paperwork. Instead, he should contact our office to confirm that the validation resolved his concerns regarding the account. We can be reached at: ###-###-####. Finally, *** was very disappointed to learn of Mr***’s complaint that our agents are “rude and unprofessional.” *** prohibits any rude or unprofessional communications with a consumer or any third party. Our agent’s professionalism is of the utmost importance to us. All of our calls are recorded. We will conduct a thorough investigation to insure that all of our policies and procedures were followed. We appreciate Mr*** bringing these concerns to our attention. Rest assured that consistent with *** policy and standards of conduct, we will take any disciplinary action necessary against any employee found to have violated our policies or standards

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

Initial Business Response /* (1000, 8, 2015/04/28) */
Contact Name and Title: *** - Compliance
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@stoneleigh.biz
On April 15, SRA received the Revdex.com (Revdex.com) complaint filed by Ms*** ***Stoneleigh Recovery Associates,
LLC (SRA) is a third party debt collection agencySRA does not own the account referenced in Ms*** complaintWe take every complaint seriously and wish to resolve this matter amicably
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 January 2, 2015, SRA received a Revdex.com complaint filed by Ms*** about a separate and different accountOn September 15, 2014, our customer *** *** LLC *** placed the account in our office for collectionThat account was an original *** *** account number XXXX-XXXX-XXXX-After receiving Ms*** January Revdex.com complaint our customer permanently closed the account in an effort to resolve Ms*** complaint favorablyAt that time, we explained that we closed the account in our office and would not contact Ms*** again in regards to that account
On January 17, 2015, our customer *** *** *** Portfolio No4, LLC (Bureaus) placed a separate and different account in our office for collection in the name of *** L***The personal identification matches up with the separate accountThis account was an original *** *** *** account number XXXX-XXXX-XXXX-The information that we received regarding the account, provided by our customer, shows the account to be validAfter receiving Ms*** new Revdex.com complaint, our customer, in an effort to resolve the complaint in the light most favorable to Ms***, agreed to close the account and not sell itThere will be no future collection activity on this accountThe account is closed in our office

Initial Business Response /* (1000, 8, 2014/09/23) */
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 September 11, Stoneleigh Recovery
Associates (SRA) received the Revdex.com (Revdex.com) complaint filed by *** ***SRA does not own the account referenced in Mr***'s complaintOur customer *** *** LLC (***) owns the account with original credit card number XXXX-XXXX-XXXX-On September 3, *** placed the account with our office for collectionThis 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 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
After receiving Mr***'s complaint we forwarded it to *** responded that the account "is not paidThere are no payments posted to this account." They requested that Mr*** provide proof of paymentIf Mr*** could send us any documentation showing any payments made we will forward them immediately to *** for their evaluation
SRA also processed the complaint as a dispute of the accountWe have put all collections on hold until *** provides validationAny validation we receive will be sent to Mr***Until validation is provided, SRA will not resume collection activities

Initial Business Response /* (1000, 5, 2014/08/26) */
Contact Name and Title: *** *** - Compliance
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@stoneleigh.biz
On August 25, SRA received the complaint filed with the Revdex.coms by *** ***SRA is a debt collection
company, but this is not an attempt to collect a debtThis is in response to Ms***'s complaint
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, 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 instructionAdditionally, SRA institutes a progressive disciplinary program to guard against any illegal or unprofessional conductWe take every complaint seriously and wish to resolve this matter amicably
Stoneleigh Recovery Associates, LLC (SRA) is a third party debt collection agencySRA does not own the account in questionOur client The *** *** Group Portfolio Number *** LLC *** owns the original account number XXXX-XXXX-XXXX-
On October 11, 2012, *** placed the account with our office for collectionAt the time of placement, our office was informed the outstanding balance was $1,The card was originally an *** *** *** card purchased by *** ** Retail Card Services, Inc., and later sold to ***
SRA conducted an investigation into Ms***'s allegationsMs*** spoke with SRA representatives on several prior conversations before agreeing to make payments toward the outstanding balanceOn March 19, Ms*** set up nine payments (not twelve as mentioned in the complaint)Each payment amount was one hundred and fifty nine dollars ($159.00)Ms*** scheduled the payments to begin March 29, through November 29, Each payment included a nine dollar ($9.00) payment processing fee which is not applied toward the outstanding balanceThe account continued to accrue interest daily throughout the nine months during which Ms*** made paymentsSRA and *** did not add any other charges or fees onto the outstanding balanceThere was no four hundred dollar "premium" charge as indicated in the complaint
Ms*** made all nine payments; however, the total amount Ms*** paidone thousand three hundred and fifty dollars ($1,350.00)did not satisfy the entire balance owedIn December 2013, we attempted to set up an arrangement with Ms*** to pay the remaining balance but we were unable to come to a resolutionWhen we were not able to collect the remaining balance, Bureaus recalled the account from our office on March 31,
In regards to the desired resolution, the account is no longer in our office, and was returned to Bureaus on March 31, We have ceased collection activitiesAs to credit reporting, SRA does not place "trade lines" on credit reportsTrade lines are reports by a creditor about a consumer's accountBureaus is the creditor, SRA is the third party collection agencyIf you have further questions about their credit reporting please contact them at *** *** Rd Suite *** *** ** XXXXX

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.comSincerely,
*** ***

Initial Business Response /* (1000, 5, 2015/06/17) */
Contact Name and Title: *** - COMPLIANCE
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@STONELEIGH.BIZ
On June 8, SRA received the complaint *** *** filed with the Revdex.com (Revdex.com)Stoneleigh Recovery Associates,
LLC (SRA) is a third party debt collection agencyWe take every complaint seriously and wish to resolve this matter amicably
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
SRA does not own the account referenced in Mr***'s complaintOn May 4, the account was placed in our office for collection servicesOur customer represents and warrants that the accounts forwarded for collection services are valid, past due accountsSRA has processed Mr***'s complaint as both a dispute and a request to cease and desist all communicationTherefore, SRA has closed the account in our officeIt has been returned to the ownerThe owner has also been provided a copy of Mr***'s complaintSRA will not contact Mr*** again in regards to this account
In regards to Mr***'s questions regarding an SRA representative asking about his social security number, 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 the accountThe two pieces of information can be either the home address, date of birth, or last four digits of the social security numberOn incoming calls, we also ask for a consumer's phone number to locate the account in our system

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

Initial Business Response /* (1000, 7, 2014/03/25) */
Contact Name and Title: *** *** - Compliance
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@stoneleigh.biz
RE: Case # XXXXXXXX
To Whom It May Concern:
On March 13, 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 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 purchased the debt referenced in the complaint of *** *** under the knowledge and belief that it was a valid accountOn May 9, SRA sent an initial communication to Ms*** regarding the accountThe balance owed and reflected on the initial communication letter at that time was $1,
The communication did not state legal proceedings would take place within daysThe letter did outline the procedure for notifying our office in writing within days if the account was disputedThe language included on the initial communication language is required by law to be included on initial communication letters
Prior to receiving the complaint from the Revdex.com, SRA had not received any notification that Ms*** disputed the debt or requested verification
We will treat the complaint as a formal dispute of the accountIn light of the dispute, SRA will close the account and no further communication attempts will be made
Sincerely,
*** ***
Compliance Manager

On March 23, 2018 Stoneleigh Recovery Associates, LLC (SRA) received the Revdex.com complaint filed by Katherine [redacted].  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 laws. As part of the compliance program, management not only trains representatives at the onset of their hire but also administer continuous training throughout employment. This includes call monitoring, written exams, one-on-one instruction, and a progressive disciplinary program.   SRA does not own the accounts referenced in the complaint. They 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 account. The letter provided information on how to dispute the account. During a telephone call we had with Ms. [redacted] on March 19, 2018, she informed our agent of her dispute. At that time SRA updated the file concerning the dispute, notified the current owner and requested validation. SRA now waits for the validation (i.e. the 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. [redacted].   In regards to Ms. [redacted]’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. [redacted]’s credit bureau report but only as an inquiry. This 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 report. Tell us why here...

Initial Business Response /* (1000, 5, 2015/07/23) */
Contact Name and Title: [redacted] - Compliance
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@stoneleigh.biz
On July 15, 2015 SRA received the Revdex.com (Revdex.com) complaint [redacted] filed. Stoneleigh Recovery Associates, LLC...

(SRA) is a third party debt collection agency. We take every complaint seriously and wish to resolve this matter amicably. To the extent that this response is an attempt to collect a debt, please know that any information SRA receives will be used for debt collection purposes.
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 laws. As part of the compliance program, management not only trains representatives at the onset of their hire but also administers continuous training throughout employment. This includes call monitoring, written exams, one-on-one instruction, and a progressive disciplinary program.
SRA does not own the account referenced in Ms. [redacted]'s complaint. On February 25, 2015 the account owner, Bureaus Investment Group Portfolio No. 15, LLC (Bureaus), placed the account in our office for collection services.
On June 25, 2015, Mr. [redacted] spoke with an SRA representative about the account and their financial situation. The SRA representative explained that SRA could accept a payment of two thousand one hundred and thirty three dollars and eight cents ($2,133.08), an amount less than the total owed, to settle the account in full. Mr. [redacted] indicated that he was hoping for a lower settlement amount around one thousand two hundred dollars ($1,200.00). As SRA does not own the account all settlements must be authorized and approved by the Bureaus, so the agent said he needed to contact our customer and would call Mr. [redacted] back.
After speaking with our customer, the SRA representative called Mr. [redacted] back. The
SRA representative explained that Bureaus will accept one thousand seven hundred eighty five dollars ($1,785.00) to be paid within thirty days. In the alternative, if the [redacted] want to spread payments out over six months Bureaus will accept one thousand nine hundred and one dollars ($1,901.00) to settle the account in full.
Bureaus is still willing to extend these offers to the McGills until August 15, 2015. If the [redacted] would like to accept the one-time payment of $1,785 to settle the account in full the payment must be made by August 15, 2015. If the [redacted] would like to accept the alternative offer, they can make the first payment of three hundred and seventeen dollars ($317.00) by August 15, 2015. The five other payments of $317.00 would be due by September 15, 2015; October 15, 2015; November 15, 2015; December 15, 2015 and January 15, 2016. SRA would like to continue to work with the [redacted] to resolve their account. We can be reached toll free at XXX-XXX-XXXX

On September 22, 2016 SRA received the Revdex.com 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 Mr. [redacted]’s complaint. ...

We take every complaint seriously and wish to resolve this matter amicably.    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 laws.   SRA does not own Mr. [redacted]’s account, and does not have the title to the property.  The account is owed by our client.   On September 9, 2016 our representative provided Mr. [redacted] with the contact number to the current owner of the account in order to request the title be sent out.   In light of the complaint, SRA contacted our client who notified us that the title was sent via certified mail on September 20, 2016. The tracking number is #7015 [redacted].