The Stark Agency

RE: [redacted] *** Complaint # [redacted] Dear Ms [redacted] , This office has received Ms***’s complaint and has diligently reviewed the complaint and the details of her account Ms [redacted] had a credit card with Landmark Credit Union Landmark Credit Union referred Ms***’s account to our office in for collections We had no communication with Ms [redacted] before 2013, and therefore it is impossible for Ms [redacted] to have disputed her account with us in or 2010, and it was impossible for us to furnish data regarding her account in those years as well This office did not have the “intent” described in Ms***’s complaint when it furnished information regarding this account, we simply furnished data according to our processMs***’s credit card agreement stated that Ms [redacted] agreed to pay interest on any overdue balance with Landmark Credit Union This is common in credit card agreements This interest was not a fee added by our office, rather, it was interest accruing pursuant to her agreement This office has had numerous communications with Ms [redacted] regarding her Landmark account On October 31, 2016, this office canceled and returned her account to Landmark As part of this process, deletion data was furnished to the credit reporting bureaus for Ms***’s accountUnless Ms [redacted] contacts our office, she will have no further contact from our office regarding this accountSincerely, [redacted] , President

I did finally receive my receipt of payment from the so called companyI do accept that is what I was as [redacted] for in this part of my dealings with this so called companyThe rest of my mutual business with this so called company will be handled in the court systemsThank you for your help in a matter that one would be business practiceReceipt upon payment is not to much to ask but as this so called company has expressed in there messages to you, it is there practice to not give u a receipt until it clears threw some bull crapThey liked to you about sending me a receipt until today 9/28/My lawyer has full access to my email account to show just thatAlthough I do accept all I asked from this company I do feel sorry for anyone in the future or present that has to have any dealings with this so called company 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 Regards, [redacted] ***

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] 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 Regards, [redacted]

Dear Ms [redacted] , This office has received Mr [redacted] ’s complaint and we have diligently investigated the matter We are familiar with Mr [redacted] as we resolved a very similar complaint with him a little more than a year ago To give some background on this matter, we are collecting on a money judgment obtained by a rental company in Dane County Case No12SC As we have previously explained to Mr [redacted] , our client complied with all court rules in obtaining the money judgment against him, the judgment is final, and we are confident that the judgment was obtained against the correct individualContrary to Mr [redacted] ’s statements, Mr [redacted] did in fact provide his Social Security Number and his date of birth to our client Mr [redacted] provided this information when applying to rent his apartment, as the rental company requires this information according to its standard procedures This information was not taken from another fileMr [redacted] ’s complaint seems to state that he has been the victim of identity theft of some sort Mr [redacted] made a similar claim in January directly to our office In addition to explaining to him all the points contained in this response, on February 2, we sent him an Identity Theft Victim’s Complaint and Affidavit and instructed him to work with local law enforcement to follow through on his claim of identity theft To our knowledge, Mr [redacted] never followed through on this endeavor, which confirms to our office that Mr [redacted] does in fact owe this judgment personallyIf Mr [redacted] is interested in resolving this matter, we invite him to contact our office and speak to a representative about a settlementSincerely, [redacted] ,President Tell us why here

Dear Mr [redacted] ,The Stark Collection Agency has received Ms***’scomplaint and wants to make clear that Ms [redacted] was not called by anyemployee of The Stark Collection Agency Ms [redacted] was contacted bya company referring to itself as “Stark Recovery” that is calling individualsacross the country with threats of lawsuits and/or further harassmentStark Recovery calls from a variety of toll-free numbers This “StarkRecovery” is in no way related to The Stark Collection Agency and [redacted] does not have a single account with The Stark Collection Agency.Due to the similarity in name, this office has receivednumerous calls from disgruntled consumers who are searching for “StarkRecovery.” This office has, in turn, contacted “Stark Recovery” atseveral of these numbers; the calls either go unanswered or reach cageyphone agents Searching the internet by (http://800notes.com/Phone.aspx/###-###-####),the particular number which Ms [redacted] lists, will take you to websites similar to this onewhere victims of this fraud voice their concerns After receiving Ms [redacted] ’s complaint, The StarkCollection Agency’s President, Pauline K [redacted] , reached out to Ms [redacted] toexplain the situation but was only able to leave a message “StarkRecovery” is, after all, causing this office a great deal ofconsternation Ms [redacted] hopefully will return our call so we can explain the situation and provide her with additional material to resolve her situation.The Stark Collection Agency respectfully requests that theRevdex.com close this matter and appropriately codify it to showthe complaint was filed against the incorrect company In addition, thisoffice requests the Revdex.com to consider the above facts if a future consumersubmits a similar complaint.Thank you,Pauline K [redacted]

RE: Complaint Melvin H***Dear Ms [redacted] ,This office has received MrH***’s complaint and has diligently investigated the matter MrH***’s debt was placed with our office by a County Clerk of Court MrH [redacted] has disputed this account several times directly through the credit reporting bureaus, and each time, this office has verified all information available to us with our client, the Clerk of Court In addition, MrH [redacted] disputed this account in writing, with a letter sent to our office in early March, We responded with a full detail of all information regarding MrH***’s debt, along with a printout from Wisconsin’s Circuit Court Access website (CCAP) showing the official record of the Clerk of Court regarding MrH***’s debt This constituted another full verification of MrH***’s debt and proof that the debt was due and owed; all FDCPA and FCRA requirements have been met by our officeIf MrH [redacted] has any further questions we encourage him to contact our office at 608-274-7764.Sincerely,Pauline K [redacted]

*** [redacted] ID: [redacted] Dear Ms [redacted] , This office has received Mr [redacted] complaint and we have reviewed the details of his account and the payment he made on September 5, After Mr [redacted] arranged for a credit card payment with one of our collectors, he called back to the office and spoke to our Manager, *** Mr [redacted] asked [redacted] for a receipt showing the details of the payment and [redacted] informed him that our office could email a full account transaction history with a receipt when the payment posted to his account the next day On the morning of September 6, 2017, our office emailed Mr [redacted] his account transaction history and a receipt showing the details of the September 5, payment Again, this information could not have been provided on September as the payment had not posted to the account and therefore would not have shown up on any report We believe the September 6, email meets Mr [redacted] desired resolution for this matter, and we encourage Mr [redacted] to contact our office directly with any future questions Sincerely, [redacted]

RE: [redacted] ID: [redacted] Dear Ms [redacted] , This office has received Mr [redacted] reply to our initial response We sent Mr [redacted] another email today with the detailed receipt he asked forMr [redacted] also states he did not receive a call back from our company; Mr [redacted] left a voicemail with our Manager, ***, on September 5, saying there was no need to call him back because he was filing a case in small claims court Again, we invite Mr [redacted] to contact us directly to resolve any issues he has with our business practices We have found through past experiences that direct communication is the most efficient way to resolve consumer complaints Sincerely, [redacted]

RE: Complaint [redacted] [redacted] Dear Mr [redacted] , This office has received Ms [redacted] ’s response to our second response and we would like to answer Ms [redacted] ’s question as directly as possible When [redacted] Brothers [redacted] referred the account in question to us, showing Ms [redacted] ’s name as [redacted] , it did not include a Social Security Number This office then searched for the name “ [redacted] ” in public database (again, as we are legally permitted to do) and the database returned Ms [redacted] ’s Social Security Number At this time, we had no reason to believe Ms [redacted] was divorced or was using a different nameCollection agencies are not obligated to investigate the demographic details of all accounts referred prior to attempting collection; it is infeasible as it would require an assumption that all demographic information on every individual across the country is 100% accurate at all times The law has stated time and again that disputes must be investigated and corrected when necessary, and this course of action was strictly followed in Ms [redacted] ’s caseOnce again, we apologize for Ms [redacted] ’s inconvenience and we encourage her to contact our office directly with any future questions as we are and will be more than happy to assist her in any wayThank you, [redacted]

RE: Complaint [redacted] Dear Ms [redacted] ,This office has received Mr [redacted] ’s complaint and has diligently investigated the matter Mr [redacted] ’s debts were placed with our office by a County Clerk of Court and a municipality All debts are legitimate and are in no way “made up” or “fraudulent.” In addition, we have verified with both of our clients and none of Mr [redacted] ’s debts have been closed All of the information obtained by our clients matches the information we have in our records for Mr [redacted] , and his phone number was obtained during the course of business.Simply put, Mr [redacted] ’s accounts are all valid with balances outstanding.Nonetheless, we have elected to forego all collection activity on Mr [redacted] ’s accounts at this time.If Mr [redacted] has any further questions we encourage him to contact our office at ###-###-####.Sincerely, [redacted]

RE: Complaint [redacted] [redacted] Dear Mr [redacted] , This office has received Ms [redacted] ’s complaint and has diligently investigated the matter Unfortunately, this office is unable to verify or confirm any of the allegations Ms [redacted] makes in reference to her TDS/Dish rates or her interactions with those companiesMs [redacted] states that she was told her account would be removed from the credit bureaus if she settled the account in full At the time Ms [redacted] made her last payment to this office, it was not our standard business practice to make such promises to consumers who were settling their accounts in full, and unfortunately we have no record of such a promise being made Nevertheless, in response to Ms [redacted] ’s complaint, this office has taken every available means to furnish “removal” data to the credit reporting bureaus regarding Ms [redacted] ’s account, including using an expedited internet portal known as “E-OSCAR.” Confirmation of our furnishing through E-OSCAR is attached Ms [redacted] will please note that once we furnish data to the credit reporting bureaus, it is up to the credit reporting bureaus to properly update her credit reportWe trust our actions will provide Ms [redacted] the relief she is seeking, and we apologize for any inconvenience If Ms [redacted] has any further questions we encourage her to contact our office at ###-###-####Sincerely, [redacted]

RevDex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear I would like to know a couple things that have not been answered in the reply & also in phone conversation.1) How it passed thru the agency that I am not related to Mr. [redacted] . Divorced in 1994. Yet the agency could locate my social security number for report to the credit report agencies but FAILED to note the divorce or my correct address. I have lived at my present address for over 20 years.2) Does this agency just 'assume' that if someone gives anothers name that they are in turn responsible for the bills without verifying all information? In that case I could say Mickey Mouse is responsible for my bills & this agency would just find the SS number & report them.I want this cleared up for my records! Both this agency & [redacted] Service blame the hospital or my ex husband. Blame someone else & don't admit you made an error. I know I will never get an answer to this because the agency apparently doesn't know that it takes a bigger person to admit their error instead of blaming others. I have submitted a complaint to Consumer ProtecProtection because I feel the agency was SLOPPY in their handling of this & would be happy to pull my complaint if I receive a satisfactory explanation insteadof the 'they said' in the response I here. Lucky for me I decided to check my credit rating & found this fraudulent claim. I would like to thank the BBB for their help - realized at the time I issued the complaint that the agency felt they did no wrong - that due to their incompetence they slandered my excellent credit rating. I hope they are more thorough in the future.Regards, [redacted]

After being contacted by their lawyer I gave them a couple of days and checked my credit report and the debt/accounts had infact been removed and we worked out a settlement payment

RE: Complaint No
*** *** *** Dear Mr***, The Stark Collection Agency has received Ms***complaint and wants to make clear that Ms*** was not called by anyemployee of The Stark Collection Agency. Ms*** was contacted bya company referring to itself as “Stark Recovery” that is calling individualsacross the country with threats of lawsuits and/or further harassment. Stark Recovery calls from a variety of toll-free numbers. This “StarkRecovery” is in no way related to The Stark Collection Agency and *** does not have a single account with The Stark Collection Agency. Due to the similarity in name, this office has receivednumerous calls from disgruntled consumers who are searching for “StarkRecovery.” This office has, in turn, contacted “Stark Recovery” atseveral of these numbers; the calls either go unanswered or reach cageyphone agents. Searching the internet by (http://800notes.com/Phone.aspx/###-###-####), the particular numberwhich Ms*** lists, will take you to websites similar to this onewhere victims of this fraud voice their concerns. After receiving Ms***’s complaint, The StarkCollection Agency’s ***, *** ***, reached out to Ms*** toexplain the situation and express her shared frustration. “StarkRecovery” is, after all, causing this office a great deal ofconsternation. Ms*** now understands the situation and has beenprovided with additional material to resolve her situation. The Stark Collection Agency respectfully requests that theRevdex.com close this matter and appropriately codify it to showthe complaint was filed against the incorrect company. In addition, thisoffice requests the Revdex.com to consider the above facts if a future consumersubmits a similar complaint.Thank you,*** ***

RE: Complaint No*** *** *** Dear Mr***, The Stark Collection Agency has received Mr***’scomplaint and wants to make clear that Mr*** was not called by anyemployee of The Stark Collection Agency. Mr*** was contacted bya company referring to itself as “Stark Recovery” that is calling individualsacross the country with threats of lawsuits and/or further harassment. Stark Recovery calls from a variety of toll-free numbers. This “StarkRecovery” is in no way related to The Stark Collection Agency and *** does not have a single account with The Stark Collection Agency. Due to the similarity in name, this office has receivednumerous calls from disgruntled consumers who are searching for “StarkRecovery.” This office has, in turn, contacted “Stark Recovery” atseveral of these numbers; the calls either go unanswered or reach cageyphone agents. Searching the internet for a “Stark Recovery” numberwill take you to websites similar to (http://800notes.com/Phone.aspx/###-###-####)where victims of this fraud voice their concerns. After receiving Mr***’s complaint, The StarkCollection Agency’s ***, *** ***, reached out to Mr*** toexplain the situation and express her shared frustration. “StarkRecovery” is, after all, causing this office a great deal ofconsternation. Mr*** now understands the situation and, in fact,apologized for filing his complaint. The Stark Collection Agency respectfully requests that theRevdex.com close this matter and appropriately codify it to showthe complaint was filed against the incorrect company. In addition, thisoffice requests the Revdex.com to consider the above facts if a future consumersubmits a similar complaint.Thank you.*** ***

I am ready to give up in the business admitting that they were very sloppy & negligent in their handling of this collectionThis collection placed on my credit rating where I was not responsibleWhere it WAS the job of the collection agency to verify seeing especially seeing that the social security number came back with another name then what was given themThere were other discrepancies in the information they supplied, all given to Consumer ProtectionA collection agency has standards to follow, where along with Consumer Protection I will be contacting other agencies with this issueI feel I have given ample chances for them to admit they were negligent, where they won't so it is time to report to the other agencies.Thanks the the Revdex.com for your handling of thisI realize there is nothing you can do but I do appreciate your handling my complaintIt is time for me to take the next appropriate steps
Regards,
*** ***

RE: Complaint
*** *** ***Dear Mr***,This office has received Ms***’s complaint and has diligently investigated the matter. In fact, we were investigating Ms***’s complaint before she filed with the Revdex.com, as Ms*** had telephoned this office with the same details she has provided to the Revdex.com.After discussing the issue with our client, *** Brothers ***, we have determined Ms***’s account was referred because our client had provided a service to her ex-husband who had listed Ms*** as a liable party. This mistake has since been corrected; Ms*** will receive no future communication from our office regarding this account and we have taken all available steps to have the account removed from her credit report. More specifically, we have updated our system to furnish removal data on or around the 25th of this month and have used an expedited process known as E-OSCAR via an interactive web site to immediately furnish such removal data. Please note, however, that once the data is furnished it is the credit reporting bureaus’ responsibility to properly update the account. Attached is a "draft" of the removal data we furnished to the credit reporting agencies.We trust our actions will provide Ms*** the relief she is seeking. We very much appreciate Ms*** reaching out to us as we were unaware of the circumstances. If Ms*** has any further questions we encourage her to contact our office at ###-###-####. I can be reached at extension 222.Sincerely,*** ***

Dear Ms***: Mr*** and I have been in touch recently. He knows to expect another communication from me in early November. Sincerely, *** ***

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RE: *** ***
Consumer Complaint ***
Dear Mr***,
This office has received Mr***’s complaint and has
diligently reviewed his file and account notes to provide a complete
response. When this office first reached Mr*** in December of 2014,
Mr*** told our collector he refused to pay the debt, and our collector
appropriately updated the account so Mr*** would not receive any more
communication regarding the debt.
On June 26, Mr*** made contact with this office
and asked for this office to remove his account from his credit file. He
also filed this complaint in order to have his account removed from his credit
file and this office’s records.
We were happy to accommodate Mr***’ request as we do
with many others. We took all available steps to have the information for
the accounts removed from Mr***’ credit file. To wit, we have used
our standard reporting process to furnish removal data and have used an
internet portal called EOSCAR to request removal immediately. Finally, we
have cancelled and returned Mr***’ account to our client; Mr*** will
receive no further communication from this office regarding this debt.
Mr*** is always free to contact this office at
###-###-#### if he has any further questions
Thank You,
The Stark Collection Agency

The Stark Collection Agency has received Ms***'s complaint and wants to make clear that Ms*** was not called by any employee of The Stark Collection Agency. Ms. *** was contacted by a company referring to itself as “Stark Recovery” that is calling individuals across the
country with threats of lawsuits and/or further harassmentStark Recovery calls from a variety of toll-free numbers. This “Stark Recovery” is in no way related to The Stark Collection Agency and *** *** does not have a single account with The Stark Collection Agency.Due to the similarity in name, this office has received numerous calls from disgruntled consumers who are searching for “Stark Recovery.” This office has, in turn, contacted “Stark Recovery” at several of these numbers; the calls either go unanswered or reach cagey phone agents. Searching the internet by ***), will take you to websites similar to this one where victims of this fraud voice their concerns. After receiving Ms. *** ’s complaint, The Stark Collection *** *** *** ***, reached out to Ms*** to explain the situation. “Stark Recovery” is causing this office a great deal of consternation. The Stark Collection Agency respectfully requests that the Revdex.com close this matter and appropriately codify it to show the complaint was filed against the incorrect company. In addition, this office requests the Revdex.com to consider the above facts if a future consumersubmits a similar complaint.Thank you,*** *** ***