Stoneleigh Recovery Associates, LLC

On [redacted] SRA received the second Revdex.com complaint—a response—filed by [redacted].  Stoneleigh Recovery Associates, LLC (SRA) is a third party debt collection agency, but this is not an attempt to collect a debt. We take every complaint seriously and wish to resolve this matter amicably. 

SRA does not own the account referenced in [redacted] complaint.  On October 16, 2015 the account was placed in our office for collection services by the account owner, [redacted]. A letter containing more specific information was mailed to [redacted] on [redacted] and has not been returned by the post office as undeliverable.
SRA has processed the additional information received as a dispute of the account. In light of the dispute, we requested verification from our customer.  We updated our files concerning the dispute, and forwarded the correspondence to our customer.  SRA is now waiting for the verification.  During this time, SRA will not attempt to collect on the account. As soon as we receive verification, SRA will send it to [redacted] immediately.  SRA will not resume collection activities, until after the debt has been verified.
Tell us why here...

On December 10,
2015 SRA received the Revdex.com complaint filed by Larry [redacted].  Stoneleigh Recovery Associates, LLC (SRA) is
a third party debt collection agency, but this is not an attempt to collect a
debt. We 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 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.  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 October 16, 2015 the account was placed in
our office for collection services by the master servicer, Link Revenue
Resources, LLC (Link).  At the time of
placement, Link provided information that led us to believe the account was
valid, due and owing.In
light of Mr. [redacted]’s complaint, SRA contacted Link and forwarded the details.   On December 9, 2015, Link recalled Mr. [redacted]’s
account.  Mr. [redacted] will not receive any
further communication attempts from our office in regards to the account—it has
been permanently closed in our office.Tell us why here...

Initial Business Response /* (1000, 8, 2014/07/17) */
Contact Name and Title: [redacted] - Compliance
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@stoneleigh.biz
On July 1, 2014 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 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 was very disappointed to learn of [redacted]'s complaint regarding unprofessional conduct by an SRA representative. SRA does not condone rude or abrasive behavior by any employee. Professional conduct by our employees is of the utmost importance. SRA is committed to superior service, not only for our customers, but for consumers as well. 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 appreciate [redacted] bringing this to our attention.
As noted in Ms. [redacted]'s complaint, Stoneleigh Recovery Associates, LLC (SRA) is a third party debt collection agency. SRA does not own the account at issue. Our customer, [redacted] Group, LLC [redacted] owns the account. On April 22, 2014, [redacted] placed an account in [redacted]'s name in our office for collection.
On May 1, 2014, SRA received a notice from Ms. [redacted] that she disputes the account and requests validation. SRA immediately ceased all collection activity. SRA updated our files concerning the dispute. We informed [redacted] of the dispute. SRA closed the account and returned all account information to [redacted]
The account in Ms. [redacted]'s name is now closed in our office. SRA will not resume debt collection activities on the above listed account.
Further correspondence or inquiries regarding the account should be sent to [redacted] directly. Their address is [redacted] E. [redacted] Street, Suite [redacted] XXXXX.
Final Business Response /* (1000, 10, 2014/07/21) */
NEW ADDRESS:
[redacted] Group, LLC
[redacted] S. [redacted]
Suite [redacted] XXXXX

On November 9, 2016 SRA received the Consumer Financial Protection Bureau complaint filed by jimmy [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 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 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.
 
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 hold.
Tell us why here...

On November 9, 2016 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 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.   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 hold. Tell us why here...

On [redacted] SRA received the second Revdex.com complaint—a response—filed by [redacted].  Stoneleigh Recovery Associates, LLC (SRA) is a third party debt collection agency, but this is not an attempt to collect a debt. We take every complaint seriously and wish to resolve this matter amicably.  SRA does not own the account referenced in [redacted] complaint.  On October 16, 2015 the account was placed in our office for collection services by the account owner, [redacted]. A letter containing more specific information was mailed to [redacted] on [redacted] and has not been returned by the post office as undeliverable. SRA has processed the additional information received as a dispute of the account. In light of the dispute, we requested verification from our customer.  We updated our files concerning the dispute, and forwarded the correspondence to our customer.  SRA is now waiting for the verification.  During this time, SRA will not attempt to collect on the account. As soon as we receive verification, SRA will send it to [redacted] immediately.  SRA will not resume collection activities, until after the debt has been verified. Tell us why here...

Initial Business Response /* (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, 20** 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 debt. This communication is in response to Ms. [redacted]'s Revdex.com complaint.
Stoneleigh Recovery Associates, LLC (SRA) is a third party debt collection agency. SRA does not own the account in question. Our customer [redacted] Investment Group Portfolio No. **, LLC. ([redacted]) owns the original account number XXXX-XXXX-XXXX-[redacted].
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.
We are very disappointed to learn of Ms. [redacted]'s complaint regarding mean conduct by our representatives. SRA does not condone unprofessional or mean behavior by any employee. Professional conduct by our employees is of the utmost importance. SRA is committed to superior service, not only for our customers, but for all consumers. Consistent 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 standards. We 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 documents. At 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 days. When we request documents from our customer, our customer must then request the documents from the original creditor. On April 2, 20** we received three documents.
1. The [redacted] Account Statement from August 28, 2014 to September 27, 2014.
2. The [redacted] Account Statement from January 28, 2014 to February 27, 2014. This statement shows the last purchase on the account.
3. The [redacted] Account Statement from April 28, 2013 to May 27, 2013.
We have sent these to Ms. [redacted] for her review. If 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 complete. We can be reached toll free at XXX-XXX-XXXX.
Our customer has agreed to freeze interest charges on the account from February 2, 20** (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 /* (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 issue. I was promised an explanation of the charges and given until April **th with no interest and April 19th to respond. As of writing this message, I have NOT received any correspondence. Again, 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 system. All I ask is for a simple explanation of this charge that is negatively impacting my credit record.
Thank you,
Final Business Response /* (4000, 12, 20**/05/14) */
We apologize for any delay. SRA mailed the documents on April 8, 20**. Ms. [redacted] should receive the documents any day. Our 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 Manager. We appreciate her feedback.
Final Consumer Response /* (2000, 14, 20**/05/**) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I received the mail from them since then and have resolved it. I hope they improve their model after I gave them some feedback on my experience.

THE WORST CUSTOMER SERVICE. Carmela [redacted] is the rep we have been dealing with. She SCREAMS over the phone, speaks very rudely, is impatient, lies, blatantly ignores anything you're saying, calls you names. How can a company be run like this? This company is a joke. You are putting these people who are already in difficult situations in traumatic situations by the way you treat them. We may get attorneys involved. How can you be a proud business?

On December 14,
2015 SRA received the updated Revdex.com complaint—a second response—filed
by [redacted].  Stoneleigh Recovery
Associates, LLC (SRA) is a third party debt collection agency, but this is not
an attempt to collect a debt. We take every complaint seriously and...

wish to
resolve this matter amicably.  The
address we originally had on file for [redacted]  Except for the unit information, this address matches the address [redacted] provided to the Revdex.com.  In late
November a representative spoke with [redacted] and she updated her address to [redacted]  We will re-send the original correspondence
to this address.In
the event that this address is not correct, we would request that she either
update her address through this complaint portal or call our office to update
the address.  We can be reached at
telephone number [redacted] or correspondence can be sent to [redacted]

Initial Business Response /* (1000, 9, 2014/10/10) */
Contact Name and Title: [redacted] - Compliance
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@stoneleigh.biz
Case #XXXXXXXX
Stoneleigh Recovery Associates, LLC (SRA) is a third party debt collection agency. On September 22, 2014...

Stoneleigh Recovery Associates (SRA) received the Revdex.com (Revdex.com) complaint filed by Mr. [redacted]. SRA does not own the account referenced in Mr. [redacted]'s complaint. Our customer [redacted] V, LLC [redacted] owns the account. On August 11, 2014, [redacted] placed the account with our office for collection. This communication is in response to Mr. [redacted]'s complaint Revdex.com, this is not an attempt to collect a debt.
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. 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.
On August 26, 2014, we spoke with Mrs. [redacted] and she explained that she disputed the account as it had already been paid. On the same day, Mrs. [redacted] 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 Systems. SRA immediately ceased collection activity on the account and notated the dispute. We sent all of this information to [redacted]
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 validated. There is no time frame requirement in the act. Often 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. [redacted]. She explained her frustration that she had not heard anything yet. On September 22, 2014 the SRA collection manager contacted the client directly. [redacted] asked us to close the account in our office. We closed the account and returned it to [redacted] SRA will never contact the [redacted]'s again regarding the account.
If they have additional questions for [redacted] they should contact [redacted] directly. Here is the contact information for [redacted] St, 15th Floor, [redacted] XXXXX. Telephone XXX-XXX-XXXX.

Initial Business Response /* (1000, 7, 2014/03/13) */
Contact Name and Title: [redacted]
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@stoneleigh.biz
RE: Case # XXXXXXX
To Whom It May Concern:
On February 21, 2014 Stoneleigh Recovery Associates (SRA) received the Better Business...

Bureau (Revdex.com) complaint filed by [redacted]. 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. 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 was very disappointed to learn of Ms. [redacted]'s complaint regarding unprofessional conduct by SRA representatives. SRA does not condone unprofessional behavior by any employee. Professional conduct by our employees is of the utmost importance. SRA is committed to superior service, not only for our customers, but for consumers as well. SRA will conduct a comprehensive investigation into Ms. [redacted]'s complaint. Rest assured that consistent with SRA policy and standards of conduct, we will take disciplinary action necessary against any employee found to have violated our policies or standards. We appreciate Ms. [redacted] bringing this to our attention.
Stoneleigh Recovery Associates, LLC (SRA) is a third party debt collection agency. SRA does not own the account in question. Our customer [redacted] Group No. 15 [redacted] owns the [redacted] Services, Inc. account ending in 0896. On June 4, 2013, Bureaus placed the account with our office for collection.
On August 29, 2013, we sent Ms. [redacted] a letter provided by Bureaus regarding Ms. [redacted] account. The letter detailed the current interest rate on the account (six percent). The six percent interest rate has not changed since the letter was sent. SRA has been sending payment notification letters to remind Ms. [redacted] of the scheduled monthly credit card payment, the letter includes the balance due as of the date printed on the letter. SRA will continue to mail these letters to Ms. [redacted].
The only charge the current creditor adds to the account is interest. As mentioned above, the interest rate charged on the account is six percent (6%). This rate is statutory interest rate for [redacted] The Bureaus calculates interest on a daily basis. The daily interest rate for the account is .01643836 (6 percent divided by 365). Bureaus does not charge any other fees on the accountno late charges or other fees. SRA charges a three percent payment processing fee for credit card payments where permitted by law. Ms. [redacted] has been making monthly credit card payments toward the account in the amount of $50.00; the credit card processing fee charged for a fifty dollar payment is $1.50 (or three percent of fifty dollars). If Ms. [redacted] wishes to avoid the payment processing fee she can mail in a check or money order payment(s) directly to Stoneleigh Recovery Associates, PO BOX [redacted] IL XXXXX.
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 manager. If Ms. [redacted] has additional questions we can be reached at XXX-XXX-XXXX. Our customer Bureaus and our office would really like to continue to work with Ms. [redacted] to resolve her account.
Please let us know if you have further questions.
Sincerely,
[redacted]
Compliance Manager

On May 2, 2016 SRA received the Revdex.coms 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 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.  We are in the process of conducting a thorough investigation to insure that our policies and procedures were followed.  SRA is committed to superior service for all consumers.  SRA does not own the account.  On April 3, 2016, it was placed in our office for collection services by the current account owner.  On April 11, 2016, we telephoned a phone number that we believe is associated with Ms. [redacted].  When we speak to a consumer we are required by state and federal privacy laws, as well as client requirements, to confirm that we are speaking with the correct individual with three pieces of personal identification information.  The individual with whom we spoke on April 11 did not want to provide this verification information so our agent was not able to speak with the individual regarding the account.  On April 15, 2016, we spoke with Ms. [redacted].  She requested an itemized bill.  The representative treated the request as a dispute of the account and immediately following the call updated the records accordingly—stopping all collection activity.  As to Ms. [redacted] concern about a withdrawl being made from her account, SRA does not have any payment information of Ms. [redacted] on file. SRA does not process payments or withdraw funds for payment without express consent of the account holder. It is not possible to withdraw money from any of her accounts without her providing that information to our office. And at no time during the call did the representative indicate that SRA would “take the money out of her account.” Pursuant to the request of the account owner, we have closed and returned the account.  The account owner will be following up on the dispute directly.  SRA has returned all account information to them.  The above listed account in our office is closed.  We have requested the itemized documents from our customer.  SRA will not resume debt collection activities on the account until Ms. [redacted] has received the itemized account validation. Tell us why here...

Initial Business Response /* (1000, 5, 2015/02/17) */
Contact Name and Title: [redacted] - COMPLIANCE
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@STONELEIGH.BIZ
On February 11, 2015 Stoneleigh Recovery Associates (SRA) received the Revdex.com (Revdex.com) complaint filed by [redacted]...

[redacted]. This communication is from a debt collector; but, this is not an attempt to collect a debt. This communication is in response to Ms. [redacted]'s Revdex.com complaint.
Stoneleigh Recovery Associates, LLC (SRA) is a third party debt collection agency. SRA does not own the account in question. Our client [redacted], LLC. ([redacted]) owns the original [redacted] RESPONSE CORPORATION account number XXXXXX.
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.
On February 6, 2015, Stoneleigh Recovery Associates, LLC (SRA) received a letter from Ms. [redacted] stating that she disputing the above listed account. We requested verification from our client. We updated our files concerning the dispute, and forwarded the correspondence to our client. SRA's normal procedure is to waiting for the verification and only resume collection activities after verification has been provided.
In light of the Revdex.com complaint, SRA closed the account in our office. The only time that we will contact Ms. [redacted] is to forward any verification that [redacted] provides. Otherwise, SRA will not contact Ms. [redacted] about the account. If Ms. [redacted] would like to contact [redacted] directly their address is [redacted] Lake Drive, Suite 500, [redacted] XXXXX.

Initial Business Response /* (1000, 8, 2015/02/10) */
Contact Name and Title: [redacted] - COMPLIANCE
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@STONELEIGH.BIZ
On January 28, 2015 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 debt. This communication is in response to Mr. [redacted]'s Revdex.com complaint.
Stoneleigh Recovery Associates, LLC (SRA) is a third party debt collection agency. SRA does not own the account in question. Our client [redacted] No. [redacted] LLC. [redacted] owns the original [redacted] INC. account number XXXX-XXXX-XXXX-6921.
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.
Mr. [redacted] complaint involves the fact that he is represented by an attorney. When a consumer has attorney representation, the Fair Debt Collection Practices Act, 15 U.S.C. § 1692, et seq. (FDCPA) requires debt collectors to communicate only with the attorney when the attorney contact information is provided. The FDCPA permits us to continue to communicate with the consumer until we are provided the attorney contact information. Mr. [redacted] did not provide his attorney's contact information; therefore, by law we are permitted to contact him in an attempt to collect a debt.
Nevertheless, we will wait fifteen days for Mr. [redacted] attorney to contact us before we attempt to call Mr. [redacted] again. Mr. [redacted] attorney can reach us at: XXX-XXX-XXXX Based on the one call we had with Mr. [redacted], we did try to contact the [redacted] Law Group. However, they indicated that they are not representing Mr. [redacted].
Mr. [redacted] indicated that he would like his attorney to work out a resolution with the owner of the account, Bureaus. The Bureaus contact information is: XXX-XXX-XXXX. However, they will likely forward all calls to SRA as they have placed the account in our office for collection.
Additionally, we will not contact Mr. [redacted] on his work phone number (ending in 2464). We have restricted the ability of our representatives to call his work phone.

Contact Name and Title: [redacted]
Contact Phone: [redacted]
Contact Email: [redacted]
On September 24, 2015 SRA received the complaint [redacted] filed with the Revdex.com (Revdex.com). Stoneleigh Recovery Associates, LLC (SRA) is a third party debt...

collection agency. 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. 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 [redacted] complaint. On March 24, 2015 the account was placed in our office for collection services. SRA representatives spoke with [redacted] on a couple of occasions concerning the account. During one conversation [redacted] indicated that a worker's compensation claim would resolve the outstanding balance. Our representative did inform [redacted] that he would be refunded any of his payments if the worker compensation claim paid the full outstanding balance. SRA has sent documentation to the worker's compensation representative two times. After sending the documentation for the second time, the worker's compensation representative requested an itemized bill. To comply with privacy rules, SRA requires consent of the patient before disclosing any medical information to a third party, such as an attorney or a worker's compensation representative. We never received such documentation from the worker's compensation representative and to date we have not received any payment from the workers compensation claims department.
The transaction notifications are reminders for [redacted] as he set up monthly payments to be made toward the outstanding balance.
Additionally, because the account is medical in nature, we can not release any other information through the Revdex.com response portal, but if [redacted] would like additional information about the account he can call our office toll-free at [redacted] Monday through Thursday between 8:00 AM and 8:00 PM (CST) or Friday between 8:00 AM and 5:00 PM (CST).
In regards to [redacted] questions regarding an SRA representative asking about his birthday, 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 account. 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.

Initial Business Response /* (1000, 8, 2014/10/28) */
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 agency. On October 16, 2014 Stoneleigh...

Recovery Associates (SRA) received the Revdex.com (Revdex.com) complaint filed by [redacted]. SRA does not own the account referenced in Mr. [redacted]'s complaint. Our customer owns the account with original [redacted] credit card number XXXX-XXXX-XXXX-1107. On March 4, 2014 our customer placed the account with our office for collection. This communication is in response to [redacted]'s complaint Revdex.com.
SRA was very disappointed to learn of Mr. [redacted]'s complaint regarding conduct by an SRA representative. 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. 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. 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.
After reviewed the account history, there was a miscommunication between the SRA representative and Mr. [redacted]. Our records reflect that our customer authorized a settlement for $2,346.50. During a phone call with an SRA representative, Mr. [redacted] did not agree to pay that settlement amount. Instead our records reflect that Mr. [redacted] wanted to settle for $2,000. Our customer did not approve that settlement amount. Nevertheless, the SRA representative helped Mr. [redacted] set up the two payments totaling $2,000.00. Both payments cleared. Mr. [redacted] thought his account was settled, but our customer did not because they had not authorized the $2,000.00 settlement.
In light of this miscommunication and in an effort to resolve this complaint in the light most favorable to Mr. [redacted], we contacted our customer and they have agreed to settle the account for the two prior payments of $2,000.00. Our customer will recall the account from the new collection agency. Our customer will request that the credit reporting agencies delete any trade lines in regards to the account. Mr. [redacted] will receive a settlement letter reflecting that the account has been settled.

Initial Business Response /* (1000, 8, 2015/04/28) */
Contact Name and Title: [redacted] - Compliance
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@stoneleigh.biz
On April 15, 2015 SRA received the Revdex.com (Revdex.com) complaint filed by Ms. [redacted]. Stoneleigh Recovery...

Associates, LLC (SRA) is a third party debt collection agency. SRA does not own the account referenced in Ms. [redacted] 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. 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.
On January 2, 2015, SRA received a Revdex.com complaint filed by Ms. [redacted] about a separate and different account. On September 15, 2014, our customer [redacted] LLC [redacted] placed the account in our office for collection. That account was an original [redacted] account number XXXX-XXXX-XXXX-6653. After receiving Ms. [redacted] January 2015 Revdex.com complaint our customer permanently closed the account in an effort to resolve Ms. [redacted] complaint favorably. At that time, we explained that we closed the account in our office and would not contact Ms. [redacted] again in regards to that account.
On January 17, 2015, our customer [redacted] Portfolio No. 4, LLC (Bureaus) placed a separate and different account in our office for collection in the name of [redacted] L. [redacted]. The personal identification matches up with the separate account. This account was an original [redacted] account number XXXX-XXXX-XXXX-4247. The information that we received regarding the account, provided by our customer, shows the account to be valid. After receiving Ms. [redacted] new Revdex.com complaint, our customer, in an effort to resolve the complaint in the light most favorable to Ms. [redacted], agreed to close the account and not sell it. There will be no future collection activity on this account. The account is closed in our office.

On May 16, 2016 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]’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 Ms. [redacted]’s account.  The account is owed to [redacted] LLC.  Ms. [redacted] is correct that her account is past the statute of limitations in Alabama 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 has processed the complaint as a request to cease and desist all communication per Ms. [redacted]’s request.  Therefore, SRA has closed the account in our office.  SRA will not contact Ms. [redacted]’s again in regards to this account.

Contact Name and Title: [redacted]
Contact Phone: [redacted]
Contact Email: [redacted]
On September 24, 2015 SRA received the complaint [redacted] filed with the Revdex.com (Revdex.com). Stoneleigh Recovery Associates, LLC (SRA) is a third party...

debt collection agency. 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. 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 [redacted] complaint. On March 24, 2015 the account was placed in our office for collection services. SRA representatives spoke with [redacted] on a couple of occasions concerning the account. During one conversation [redacted] indicated that a worker's compensation claim would resolve the outstanding balance. Our representative did inform [redacted] that he would be refunded any of his payments if the worker compensation claim paid the full outstanding balance. SRA has sent documentation to the worker's compensation representative two times. After sending the documentation for the second time, the worker's compensation representative requested an itemized bill. To comply with privacy rules, SRA requires consent of the patient before disclosing any medical information to a third party, such as an attorney or a worker's compensation representative. We never received such documentation from the worker's compensation representative and to date we have not received any payment from the workers compensation claims department.
The transaction notifications are reminders for [redacted] as he set up monthly payments to be made toward the outstanding balance.
Additionally, because the account is medical in nature, we can not release any other information through the Revdex.com response portal, but if [redacted] would like additional information about the account he can call our office toll-free at [redacted] Monday through Thursday between 8:00 AM and 8:00 PM (CST) or Friday between 8:00 AM and 5:00 PM (CST).
In regards to [redacted] questions regarding an SRA representative asking about his birthday, 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 account. 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.

On March 21, 2016 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 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 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 owner. First 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 importance. SRA 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 standards.
In 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 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 hold.
Tell us why here...