The Stark Agency

[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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

Revdex.com:
I was not told I would receive any receiptI was told that he would call me back and still has notI have not received any email from this company what so everAnd I have contacted a lawyerI originally told the company I was filling in small claims courtBut after spea*** with and retaining a lawyer, we both feel that it justifies more money than is acceptable in small claims court so we are presuing other options at this time
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***

RE:      [redacted]...

[redacted]                                   ...⇄ Complaint # [redacted] Dear Ms. [redacted], This office has received Ms. [redacted]’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. [redacted]’s account to our office in 2013 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 2009 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. [redacted]’s complaint when it furnished information regarding this account, we simply furnished data according to our normal process. Ms. [redacted]’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. [redacted]’s account. Unless Ms. [redacted] contacts our office, she will have no further contact from our office regarding this account. Sincerely,[redacted], President

Dear Mr[redacted],
This office has
received Mr[redacted]'s complaint and has
diligently reviewed his file and account notes to provide a complete
response. Mr[redacted] has two accounts placed with this office: the first
was listed on 12/10/and the second was listed on 3/5/2015.
When each account was listed with this office, a letter was
sent to the address we had on file for Mr[redacted]. The letters informed
Mr[redacted] that information would be furnished to the credit reporting bureaus;
neither letter was returned. Over a month later, information regarding
the accounts was furnished to the credit reporting bureaus. Neither of
these actions violated the law
We were happy to accommodate Mr[redacted]'s request as we do
with many others. We took all available steps to have the information for
the accounts removed from Mr[redacted]'s credit file. To wit, we have used
our standard reporting process to furnish removal data and have used an
internet portal called [redacted] to request removal immediately. We have
also spoken to Mr[redacted] over the phone to explain our course of action and he
agreed that his complaint was resolved and the call ended on amicable
terms.
If Mr[redacted] has any further concerns we encourage him to contact this office at
###-###-#### and we would more than happy to assist him
Thank You,
Pauline K[redacted]
The Stark Collection Agency

RE:     Complaint 11710488            [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 normal 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 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 name. Collection 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 case. Once 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 way. Thank you,[redacted]

RE:          [redacted]...

[redacted]                                Complaint ID [redacted]   Dear Ms. [redacted]   We have received Mr. [redacted]’ complaint and have investigated the details of the situation.  As a preliminary matter, kindly note that the original complaint went into my “clutter” email folder for reasons I am still trying to determine, especially since the reminder email came directly into my inbox.  Putting that aside, I believe we have already taken steps to reach the resolution requested in Mr. [redacted]’ complaint.   Mr. [redacted] emailed our agency on September 19, 2017 asking about two debts in collection on his credit report, indicating he was willing to pay a settlement amount to have the accounts removed from his credit report.  While we were investigating the matter, Mr. [redacted] called the office and spoke to a manager on September 21, 2017.  The manager then discovered that the accounts had been canceled from our office in the previous year and that our office had updated our collection software to automatically furnish deletion data to cause the accounts to be removed from Mr. [redacted]’ credit report.  In this respect, we agree with Mr. [redacted] that there was “no debt” to collect.   To rectify the situation, still on September 21, 2017, our IT department used an internet portal known as “EOSCAR” to furnish deletion data on the affected accounts directly to the credit reporting bureaus in order to cause the accounts to be removed from Mr. [redacted]’ credit report.  In other words, this office has taken all steps available to it to have the accounts in question removed from Mr. [redacted]’ credit report.   If Mr. [redacted] has any further questions or concerns on the matter, we invite him to contact our office directly.    Sincerely,[redacted]

RE:      Complaint [redacted]             Tracey [redacted]   Dear Mr. [redacted], This office has received Ms. [redacted]’ complaint and we have investigated her dispute, as we have several times before.  At the outset, it is...

important to note that Ms. [redacted]’ debt is based on a civil money judgment obtained in September of 2011 in Dane County Circuit Court.  The total judgment amount included the principal damage amount, court costs, and attorney’s fees, all assessed according to Wisconsin state law.  At the time of the judgment, Wisconsin law provided for statutory, post-judgment interest at a rate of 12% per year.  As long as the account remains unpaid, this statutory interest will continue to accrue at 12% per year, according to law.  This office is not arbitrarily adding interest or any fees; our client has directed us to accrue interest at that rate according to state law, and interest has been accruing since the judgment date. As we have explained to Ms. [redacted] in the past, in March of 2014 she agreed to settle the account for an amount less than the total due by making four equal payments.  This installment agreement was filed with the Wisconsin Department of Transportation with the understanding that any missed payments would result in the suspension of her driver’s license by the DOT.  Ms. [redacted] failed to make payments as agreed upon, and her driver’s license was suspended in accordance with state law. While it is true that she has made several irregular payments since March of 2014, since she did not abide by the installment agreement, her account continued to accrue statutory interest at the 12% judgment rate. This office and the City of Fitchburg is willing to work with Ms. [redacted] to resolve this matter and we encourage her to call [redacted] to speak to a representative.   Sincerely, Pauline [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 Mr. [redacted],The Stark Collection Agency has received Ms. [redacted]’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 harassment. Stark Recovery calls from a variety of toll-free 844 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 844 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]

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 No. 12SC6188.  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 individual. Contrary 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 file. Mr. [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 2016 directly to our office.  In addition to explaining to him all the points contained in this response, on February 2, 2016 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 personally. If Mr. [redacted] is interested in resolving this matter, we invite him to contact our office and speak to a representative about a settlement. Sincerely, [redacted],President   Tell us why here...

[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.  I would add that I have a letter and credit report indicating that this account was sent to collections prior to the date listed on my most recent credit report.
Regards,
[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 companies. Ms. [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 report. We 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]

I did finally receive my receipt of payment from the so called company. I do accept that is what I was as[redacted] for in this part of my dealings with this so called company. The rest of my mutual business with this so called company will be handled in the court systems. Thank you for your help in a matter that one would be normal business practice. Receipt upon payment is not to much to ask but as this so called company has expressed in there messages to you, it is there normal practice to not give u a receipt until it clears threw some bull crap. They liked to you about sending me a receipt until today 9/28/17. My lawyer has full access to my email account to show just that. Although 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]

RE:     Complaint 11722509             Melvin H[redacted]Dear Ms. [redacted],This office has received Mr. H[redacted]’s complaint and has diligently investigated the matter.  Mr. H[redacted]’s debt was placed with our office by a County Clerk of...

Court.  Mr. H[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, Mr. H[redacted] disputed this account in writing, with a letter sent to our office in early March, 2016.  We responded with a full detail of all information regarding Mr. H[redacted]’s debt, along with a printout from Wisconsin’s Circuit Court Access website (CCAP) showing the official record of the Clerk of Court regarding Mr. H[redacted]’s debt.  This constituted another full verification of Mr. H[redacted]’s debt and proof that the debt was due and owed; all FDCPA and FCRA requirements have been met by our office. If Mr. H[redacted] has any further questions we encourage him to contact our office at 608-274-7764.Sincerely,Pauline K[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]

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 Revdex.com 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]

On Wed, Feb 11, 2015 at 5:49 PM, [redacted] <[redacted]> wrote: Please note [redacted] contacted me this evening. She explained the error in detail, which also has to do with the state government incorrectly accepting the tax refund deduction even though specific criteria such as...

last name, etc.. did not match. Additionally, Stark Agency informed me that they use a third party company that matched me with this other persons debt due to first name and old address match. Apparently the happened to be the same road I lived on some 20 years ago. I feel a little better about the callback and that its not just the Stark Agency fault in collecting money in error. Please feel free to withdraw my complaint as it was an error. Stark Agency is taking the appropriate action to resolve the issue. Thank you.

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 for. Mr. [redacted] also states he did not receive a call back from our company; Mr. [redacted] left a voicemail with our Manager, [redacted], 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]

[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, 2017.  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, [redacted].  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, 2016 payment.  Again, this information could not have been provided on September 5 as the payment had not posted to the account and therefore would not have shown up on any report.   We believe the September 6, 2017 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]