Stoneleigh Recovery Associates, LLC

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]. 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.

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].

Initial Business Response /* (1000, 5, 2014/09/09) */
Contact Name and Title: [redacted] - Compliance
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@stoneleigh.biz
On September 3, 2014 SRA received the complaint filed with the Revdex.coms by [redacted]. SRA is a debt...

collection company, but this is not an attempt to collect a debt. This is in response to Ms. [redacted] complaint.
SRA abides by all local, state and federal laws regulating our business. SRA established our policies and procedures to exceed the minimum requirements established by these laws. In fact, SRA established an internal compliance program in order to ensure observance of all applicable local, state, and federal 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. We take every complaint seriously and wish to resolve this matter amicably.
Stoneleigh Recovery Associates, LLC (SRA) is a third party debt collection agency. SRA does not own the account in question. Our client The Bureaus Investment Group Portfolio Number 15, LLC (Bureaus) owns the original account number XXXX-XXXX-XXXX-3349.
On August 26, 2014, Bureaus placed the account with our office for collection. At the time of placement, our office was informed the outstanding balance was $486.71. The card was originally an [redacted] card purchased by [redacted] Retail Card Services, Inc., and later sold to Bureaus. The principal balance at the time of the purchase was $376.30. Interest added since that time brings the balance to $487.64 as of the date of this letter.
Bureaus has provided our office with an account detail page which SRA has mailed to Ms. [redacted]. If Mrs. [redacted] wishes to confirm with the original creditor that her account has been closed and sold to Bureaus, she can reach [redacted] Retail Services at (XXX) XXX-XXXX. According to the information Bureaus provided, Ms. [redacted]'s account is valid and the past due balance is owed to the Bureaus.
As to Ms. [redacted] complaint regarding unprofessional conduct by an SRA representative, our records indicate no representative from our office has ever spoken to any person regarding this account since the account was placed in our office on August 26, 2014.
In regards to Ms. [redacted] desired resolution, we have processed her complaint as a cease and desist collection activities. Therefore SRA closed the account in our office, and notified Bureaus, the owner of the account. We have ceased collection activities and returned the account to the Bureaus.
As to credit reporting, SRA does not place "trade lines" on credit reports. Trade lines are reports by a creditor about a consumer's account. Bureaus is the creditor, SRA is the third party collection agency. If you have further questions about a tradeline placed on your report please contact the credit reporting agencies.

Initial Business Response /* (1000, 7, 2014/05/29) */
Contact Name and Title: [redacted] - COMPLIANCE
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@STONELEIGH.BIZ
Stoneleigh Recovery Associates, LLC (SRA) is a third party debt collection agency. SRA does not own the accounts referenced in...

[redacted]'s complaint. Our customer [redacted] Group No. ** (Bureaus) owns the accounts.
On May 15, 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 was very disappointed to learn of Ms. [redacted]'s complaint regarding unprofessional conduct by an SRA representative. 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. 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 Ms. [redacted] bringing this to our attention.
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 November 14, 2013 Bureaus placed SRA file number XXXXXXX with our office for collection. On February 11, 2014, Bureaus placed SRA file number XXXXXXX with our office for collection.
SRA has submitted the request for an itemized statement on both accounts to Bureaus. Neither the Bureaus nor SRA maintains itemized monthly account statements. There is no monthly billing cycle when your account is placed with a collection agency. This is true even if you are making monthly payments on the outstanding balance.
Our customer, Bureaus, and our office would really like to continue to work with Ms. [redacted] to resolve her accounts. On May 28, 2014 SRA received two mail- in payments from Ms. [redacted]. SRA accepts a number of payment methods including mailing in checks or money orders.
In light of the complaint, SRA has designated the account so that if Ms. [redacted] would like to call with future questions she will speak directly with a manager. If Ms. [redacted] has additional questions we can be reached at XXX-XXX-XXXX.
6-5-14 additional info from business:
UPDATE: Pursuant to Ms. [redacted]'s request, Bureaus has provided the requested accounting information on both Ms. [redacted]'s accounts. SRA sent this information to Ms. [redacted] on June 5, 2014.
While an account is placed in collections, there is no monthly billing cycle. This is true even when you are making monthly payments on the outstanding balance. If automatic payments are scheduled, you will receive monthly notices listing the current balance as of the letter generation date. As a third party debt collection company, SRA send all payments received to the owner of the accounts, in Ms. [redacted]'s case to the Bureaus. Bureaus maintains itemized accounting details for all their accounts.

On March 21, 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]...

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...

Complaint: [redacted]
I am rejecting this response because:
I have NEVER received any correspondence from this company. Consequently, this means they have never provided full details. The first time I heard anything was by a recent phone call.
sincerely,
[redacted]

Initial Business Response /* (1000, 7, 2014/06/17) */
Contact Name and Title: [redacted] - COMPLIANCE
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@STONELEIGH.BIZ
On June 7, 2014 Stoneleigh Recovery Associates (SRA) received the Revdex.com (Revdex.com) complaint filed by [redacted]...

[redacted]. We take every complaint seriously and wish to resolve this matter amicably.
Stoneleigh Recovery Associates, LLC (SRA) is a third party debt collection agency, but this is not an attempt to collect a debt. This is a response to the Revdex.com complaint received in our office. SRA does not own the account referenced in [redacted]'s complaint. Our customer [redacted] Receivables Inc. [redacted] owns the account. On August 20, 2013 Bureaus placed Mr. [redacted]'s account with our office for collection.
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 conducted an investigation into Mr. [redacted]'s allegations. Since the account was placed in August of 2013, SRA records reveal that we have only spoken to one person, one timeon June 6, 2014. During this only phone call to a phone number ending in 0731, the SRA representative was unable to identify the person who answered the phone before this person hung up the phone. The individual with whom we spoke indicated that they had spoken to someone at SRA before; however, our records demonstrate that the June 6 phone call is the only call where an SRA representative reached a person.
SRA has sent Mr. [redacted] four letters. We sent our initial letter on August 21, 2013; this letter included all the information concerning how to dispute the account and request validation. We also sent letters on October 3, 2013, December 17, 2013, and March 5, 2014.
SRA will treat Mr. [redacted]'s complaint as a dispute of the account. We have ceased collection activities. Additionally, we will treat his complaint as a request to stop all communications. We will no longer contact Mr. [redacted] by telephone or mail. Therefore, we will close the account in our office and return the account to our customer.
Initial Consumer Rebuttal /* (2000, 9, 2014/06/25) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 8, 2014/09/23) */
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 September 11, 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 [redacted] LLC ([redacted]) owns the account with original credit card number XXXX-XXXX-XXXX-1778. On September 3, [redacted] placed the account with our office for collection. This communication is in response to [redacted]'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 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.
After receiving Mr. [redacted]'s complaint we forwarded it to [redacted]. [redacted] responded that the account "is not paid. There are no payments posted to this account." They requested that Mr. [redacted] provide proof of payment. If Mr. [redacted] could send us any documentation showing any payments made we will forward them immediately to [redacted] for their evaluation.
SRA also processed the complaint as a dispute of the account. We have put all collections on hold until [redacted] provides validation. Any validation we receive will be sent to Mr. [redacted]. Until validation is provided, SRA will not resume collection activities.

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

Initial Business Response /* (1000, 5, 2015/05/12) */
Contact Name and Title: [redacted] - Compliance
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@stoneleigh.biz
On May 6, 2015 Stoneleigh Recovery Associates, LLC (SRA) received the Revdex.com (Revdex.com) complaint filed by...

Ms. [redacted]. SRA is a third party debt collection agency. SRA does not own the account referenced in 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. 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 or disrespectful conduct by an SRA representative. SRA does not condone unprofessional or disrespectful 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. 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.
We want to assure Ms. [redacted] that we have removed her work phone number from the account. She will not receive phone calls from SRA regarding the account at her work number. Additionally, pursuant to the complaint, SRA will not contact Ms. [redacted] by phone regarding this account. If Ms. [redacted] would like to resolve the account she can call our office. We can be reached at XXX-XXX-XXXX.

On March 23, 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]...

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 February 16, 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. Ms. Lewis is correct that her account is past the statute of limitations in Georgia for filing a law suit to recover the past due balance.  The expiration of the statute of limitations does not invalidate the right of the debt owner to obtain repayment through collection activity; rather it merely renders the debt unenforceable by way of a lawsuit.  Other means of collection activity is permissible beyond the expiration of the statute of limitations.SRA treated Ms. [redacted] complaint as a dispute of the account and we have stopped all collection activity.  SRA sent a copy of Ms. [redacted] complaint to First Financial with a request for validation.  Pursuant to federal law, SRA will not resume collection activities until the account has been validated and Ms. [redacted] dispute resolved.  Finally, SRA is required by both privacy laws and customer protocols to identify a consumer over the phone with two pieces of personal identification information before discussing information concerning an account in our office for collection.  The two pieces of information can be either the home address, date of birth, or last four digits of the social security number.  On incoming calls, we also might ask for a consumer’s phone number to help identify the correct account in our system.  SRA was very disappointed to learn of Ms. [redacted] complaint regarding unprofessional or harassing conduct by an SRA representative.  SRA does not condone harassing behavior by any employee.  Professional conduct by our employees is of the utmost importance. SRA is committed to superior service, not only for our customers, but for consumers as well, regardless of their age.  We appreciate Ms. Lewis bringing this to our attention.  Rest assured that consistent with SRA policy and standards of conduct, we will take any disciplinary action necessary against any employee found to have violated our policies or standards.As soon as First Financial has provided validation information, we will send that to Ms. [redacted] for her review.  Until that time, all collection activity will be on hold. Tell us why here...