Universal Recovery Corporation

Review: I CONTACTED COLLECTION AGENCY UNIVERSAL RECOVERY CORPORATION ON 2/1/16 REGARDING A ISSUE OF BILL ALLEGEDLY OWED TO [redacted] CAUSALITY COMPANY FOR CAR [redacted] ON OR ABOUT 11/20012. ACCORDING TO MY CREDID BUREAU INFORMATION I OWED $120.00 DOLLARS. HOWEVER, A PERSON NAMED [redacted] FROM THE COLLECTION AGENCY TOLD ME THAT I HAD TO PAY $134. 69. I STATED TO HER THAT ACCORDING TO MY CREDIT HISTORY INFORMATION I RECEIVED ON OR ABOUT 11/15/15 I ONLY OWED [redacted] CASUALTY $120.00 DOLLARS.. SHE STATED THAT IT WAS NOW 134.61.

I CONTACTED [redacted] CASUALTY, POLICY NUMBER [redacted] AT PHONE NUMBER [redacted] ON 2/1/2016 , MY POLICY NUMBER WAS [redacted]. I STATED TO LADY ON PHONE THAT I DID NOT OWE ANY MONEY TO [redacted] CASUALTY, I HAD PAID MY MONTHLY PREMIUM TILL I CANCELED POLICY. SHE STATED, I OWED THE MONEY FOR CANCELLATION FEES . I SAID , I SHOULD NOT HAVE TO PAY TO CANCEL A CAR [redacted] POLICY. SHE SAID, THAT I HAD TO DEAL WITH UNIVERAL RECOVERY CORPORATION NOW..

I FEEL THIS IS UNJUST BUSSINESS PRACTICE BOTH BY [redacted] AND BY UNIVERAL RECOVERY. FIRST, [redacted] SHOULD NEVER HAD CHARGED ME ANY EXTRA MONEY FOR CANCELATION..

THEN NOW UNIVERSAL RECOVERY CORPORATION , CHARGING ME EXTRA MONEY OF $14.69. WHEN TOLD KAREN OF THIS, SHE INSISTED I PAY ALL OF THE 134.69 IF WANTED THIS REMOVED FROM MY CREDIT PROFILE.

I SENT CHECK ON 2/1/2016 TO UNIVERAL RECOVERY , PHONE: [redacted], THE REFERENCE NUMBER TO ACCOUNT I PAID WITH THEM IS [redacted].

I FEEL IM BEING RIPPED OFF FIRST BY [redacted] AND THEN BY UNIVERAL RECOVERY CORPORATION.

I CONSIDER THIS TO BE FRAUD.. PLEASE FOLLOWUP AND LET ME KNOW IF THIS IS UNFAIRL BUSSINESS PRACTICE BY BOTH COMPANIES AND WHAT CAN BE DONE OF THESE ISSUES..Desired Settlement: I THINK FIRST, THAT STERLING CASUALTY SHOULD REIMBURSE ME THE TOTAL OF $134.69 OR UNIVERAL RECOVERY CORPORATION AND REMOVE NEGATIVE CREDIT FROM ALL 3 CREDIT BUREAUS ASAP

GET BACK TO ME ABOUT THIS MATTER ASAP...

SINCERLY

Business

Response:

[redacted], placed the account with us for collection on 9/23/14 for non payment of premiums. A series of 4 letters were sent to the address supplied to my client and there was no response.The account was uploaded to the credit bureau to which we report on 11/4/14. Interest accrues daily @ 10% per annum.The account, as of today, is still unpaid.We don't remove accounts from the credit bureau unless it was placed here in error.

Review: On February 26 at 4:59pm I called Universal Recovery and no answer from a technician so I left a voice mail on their general messaging system to have them call me back. I received no such call. Today; March 4th 2016 at 1:15pm I called Universal Recovery in regards to a collection that was placed on my credit report by the company Universal Recovery. I was given the contact name of the company with a bad phone number of [redacted] and so I ended up googling the name of the company [redacted] to find out what I could about the debt. It is not usual for me to have this kind of problem. So I called the number I found and spoke with the insurance company and asked them to provide the policy that they state I had and send it to me. They agreed. I called Universal Recovery and spoke with [redacted] to ask them to send me their letter of collection that they claimed to have sent on November 2. I never received any such letter, nor do I recall the account they represent. [redacted] declined to send me a letter, she stated that "we are not going to send you another letter and give you another 30 days" insulting me with ensuing that I want this clemency. I want the proof of this account and I want my letter mailed to me. The debt is insignificant and I would have paid any debt I owed, and thus if I knew of this I would have contacted them much sooner to validate this debt. Not when I see the hit on my credit report 2 years later. This is crooked and nasty. [redacted] continued to state legal jargon that all that she is required to do is send the letter to the last known address. And she claims they sent it to my current address. I never got it, like I never got a call back. So they need to send me the letter like expected, and then I can validate any such debt once I get my other paperwork from [redacted].Desired Settlement: I want a correction to my credit report and I want the corresponding paperwork to be mailed to me like it is supposed to be. I will pay any debt I officially owe. But I; like any other normal human being, will like to first make sure that this debt is correct. I cannot recall this account, but I will do my fair share and pay if I must. Otherwise if it is not my account I can report it to FTC like I am supposed to. Thank you for your help.

Business

Response:

Attached is the itemized statement from my client of the amount owed. At no time did Mr. [redacted] ask us to validate the debt. The demand letter was sent to Mr. [redacted] @ [redacted] The letter was not returned to us. Items placed in United States mail are presumed to arrived at their destination in 3 days. If it is Mr. [redacted]'s position that the letter was not received, he will need to provide sufficient proof.

Consumer

Response:

I am rejecting this response because: I never asked for a breakdown of your estimated costs. I wanted the same letter they "assumed" arrived to me that I have never received. I am asking if it is the businesses standard policy to send this mail by certified delivery or standard mail. I want proof from this company that they know this letter arrived. I know that they will find it never did. Nor did I receive this notice that they sent via Revdex.com. Thank you for the letter now. How would this company expect me to prove that I never received a letter that they sent me? If they sent it via certified mail there would be a chance but if they did this would not be an issue I am sure, because I would have received it. It is required that the debt collection be sent to me and I am giving my statement that it has never reached my mail box. Assumed is a big word for this company. If it is "assumed" that the letter will reach me in 3 days with standard mail, assumed is not a guarantee. And when I spoke with the companies; both the insurance company and the collections company it seems very concerning that the insurance company itself can't determine the debt, but this company can. Also, I have found that the total that is owed has changed 3 times. One on the credit report that I viewed was a total of $62.00, and with the insurance company I got one total of $52.00 then that my policy was reinstated in May of 2014 and the cost was waived, and with the collection agency now saying it was a total due of $72.50. What is upsetting is the inconsistency and the offensive stance taken toward me by this collection agency. [redacted] with the collection agency was against sending me the letter from the beginning of the phone call; "why would I send you a letter again if it never arrived in the first place?" and such. I spoke later to a supervisor who was ok with sending me the letter again. And I spoke with the insurance company to send me proof of the policy(s), because as I stated, they reinstated my policy following this "so called cancellation" in May 2014, and waived the cost.

Review: Universal Recovery Corporation contacted me today, June 16, 2014 regarding a collection notice they had sent to me in August of 2011. When I inquired about what the collection was for, they explained it was for a past due balance on an insurance account which was subsequently cancelled. I asked the representative if he could send me some type of written information, and he explained that they had sent me a letter in August of 2011, when they received the account. I explained that I did not recall the company they were collecting on behalf of, and would need to reference their correspondence before I provided my credit card information over the phone. The original correspondent that I spoke with very quickly and quietly then tried to state legal terms that would then allow them to put the information onto my credit report. I immediately requested to speak with a supervisor, who then attempted to state the legal jargon again to attempt to make the call a notification of them putting the balance owed on my credit report. I stated that I had not received any follow up phone calls or mailed notifications from them for three years, and he agreed to that they had not sent anything. When I asked him if he could send me information, I was first told, no, which I protested against. He then changed his mind and said that he would send me the information, but that the collection would show up on my credit report today if I did not pay the full balance immediately. I refused to pay the balance through their company because of the way the representatives handled the phone call. All I requested was for written verification of the account. Due to the initial refusal of sending me information, and the attitude of threatening me with a payment deadline of today after three years of no correspondence, I went ahead and contacted the insurance company, requested that they seriously reconsider doing business with them again, and paid the balance through them, stating that I suggest they not do business with a collection agency who refuses to send written information on an account that they are collecting against.Desired Settlement: What I am requesting is that the information I have provided to be used when they are considered for business license renewal. For a collection company to refuse to provide the information for what they are collecting for is outrageous. Whats worse is that they seem to think that one piece of mail (notification) is sufficient enough for notifying someone of a delinquent account, and then not following up on it for three years when they arent busy with other accounts is acceptable. Personally, I was able to side step their agency and went right to the company the collection was from, but dont know how to react if they do end up putting the debt on my credit report. Is what they are doing even legal?

Business

Response:

This relates to an insurance policy that was canceled for non payment of premiums. The insurance was cancelled in 2/2011. My client made several attempts to collect before assigning the account to us in 8/2011.

Upon receipt of the account from our client, our 1st demand letter went out. 30 days later, our 2nd letter went out. 15 days later, our 3rd and 15 days later, the 4th and final letter went out. This all happened Aug/Sept 2011. 3 messages were left at the phone# our client supplied. The account was then placed inactive. Company policy, depending on the balance, re-opens the account every 1-2 years. This account re-opened in Aug, 2012 and again our efforts to collect were unsuccessful, so the acccount was placed inactive. Recenlty, the account was re-opened and this time, we happened to reach the consumer.

The consumer's argument wasn't that she didn't recall owing our client, only that it had taken us 3 years to contact her.

Our records indicate that the account was submitted to the credit bureau to which we report in 10/2011. To date, the account remains unpaid.

Consumer

Response:

I am rejecting this response because:

"Upon receipt of the account from our client, our 1st demand letter went out. 30 days later, our 2nd letter went out. 15 days later, our 3rd and 15 days later, the 4th and final letter went out. This all happened Aug/Sept 2011. 3 messages were left at the phone# our client supplied. "

In response to the company's response, please refer to the original phone call with [redacted]. When I had asked him what correspondence had been sent, he told me that one (and only one) letter had been sent in August of 2011. He stated that that was sufficient enough in terms of notification. He also stated that the reason this was the first phone call I had received about the account was that the initial client did not have a phone number on record. He stated that their company had to track my phone number down using my husbands information.

"The account was then placed inactive. Company policy, depending on the balance, re-opens the account every 1-2 years. This account re-opened in Aug, 2012 and again our efforts to collect were unsuccessful, so the acccount [account] was placed inactive. Recenlty [Recently], the account was re-opened and this time, we happened to reach the consumer"

Refer to my above statement. I'm not sure who was being dishonest, but am curious where the responding representative is getting information from that the representatives calling me regarding the account did not.

"Our records indicate that the account was submitted to the credit bureau to which we report in 10/2011. To date, the account remains unpaid."

To reiterate my prior statement, the account was settled through the insurance company Universal Recovery Corporation was representing. I refused to pay for their debt collection when they treated me so horribly. After the payment was made, I called Universal Credit Corporation and requested to speak with Robin Langley (owner). I was instead directed back to [redacted]. I informed him that I made the a

"The consumer's argument wasn't that she didn't recall owing our client, only that it had taken us 3 years to contact her."

My complaint is not whether or not I owed a debt. I admit I owed a debt after I had to do my own research, as the collection agency was incredibly uncooperative.

My complaint is that I was essentially harassed by this company. When I attempted to make any sense of the call, the representatives were incredibly rude and hostile with me. When I requested to have information sent to me, they refused. When I attempted to speak with a supervisor, the supervisor made the process even more difficult, refusing any information that would help me understand why it had been 3 years since I was last contacted. Instead, I was treated deplorably (so much so that if I had an employee who spoke to a client like that they would have been fired on the spot) and all the while, the representatives were quietly mumbling legal jargon under their breath to attempt to exonerate them from any legal action on my part. When I questioned why they would not send me any information, [redacted] responded that their was nothing I could do unless I settled the debt that day; that it wasn't currently on my credit report, and that it would be going on my credit report that day.

My complaint is that a company who has the ability to ruin someone's credit is able to threaten and belittle a people, while having no repercussions. If I had been able to speak with a supervisor who was willing to give me the information I originally requested, I would not have to make a claim against the company. Because not only was the initial supervisor dishonest (according to your records above), but also because I was denied the ability to speak with [redacted]' supervisor, I created the complaint against the business practices.

Review: I saw today on my credit report a collections account from "Universal Recovery Corp" with a creditor HH Agency for $121. I called to find out more because I don't know any HH Agency. Rep [redacted] began telling this account has been in collections since 2009 and I need to pay it. I asked who HH Agency is and what the charge was about,she said it's HH Agency through Sterling Insurance and I was charged for not paying my car insurance. I told her I paid and cancelled Sterling via phone with an Esurance rep (new carrier) as witness. She began yelling that it's not her problem,there's nothing I can do about this this anymore,and I should've read the contract better. She said "your contract says you needed to cancell the insurance in writing in 30days" I said this wasn't right, she yelled "life isn't fair, it's the law and you gotta pay." I said I'd like to contest this with HH Agency and asked for their contact info (I never dealt with them, only Sterling), she said "google it! I don't have it" I asked how can she know the supposed contract but not their contact info? She said "it's your problem now." I asked why I wasn't told this was going to collection? (to show emails I have from Sterling confirming my insurance was cancelled). She said "we did, you never call back and we sent letters too." I asked when and to get a copy of those letters, she said "go to your post office for that." I said I never received a call/messages from Universal Recovery, she said "it's the law that we don't have to identify ourselves,all I have to say is my name,number,and to call me back...so you should've called back!" I asked her to stop yelling at me and to transfer to her supervisor. Superv repeated the same things and hang up on me. I called back to complaint about the superv but supervisor [redacted] took my call and yelled at me more saying "it's a ridiculous $100 debt,just pay it,I don't have time for this" I said I would seek legal advice she yelled "go ahead and embarras yourself for $100 sweatheart" and hang up.Desired Settlement: 1)I'd like this company to cease their abusive treatment to customers and lies about contacting customers to inform us about collections 2) I'd like them to remove this collection because I do not owe this money 3)I'd like them to give me the contact info for HH Agency so I can provide them the emails from Sterling insurance confirming my account was cancelled,not just transferred, and paid in full at time of cancellation. 4)If I must,I prefer to deal with Universal with a mediator or witness.

Business

Response:

We received Ms. [redacted]'s account for collection in January 2011. A series of 4 letters went out to her, none of them have been returned. Three telephone messages were left at the phone number our client provided, none of which were returned. We made every attempt to resolve this with her before it went to her credit report.

Upon finding it on her credit report, she called in and wanted it removed. When she was told it wouldn't be removed, she wanted to dispute it. We told her to send in a dispute letter and we would forward it to our client.

She was transfered to several diffferent supervisors, none of which was me, all told her the same thing. Her broker was Dasher's Insurance and she needed to contact them if she didn't feel she owed it. She spoke to Ms. [redacted] and Ms. [redacted]. My name appears on the letters we sent.

We cannot remove the account from her credit report.

Consumer

Response:

I am rejecting this response because:

Universal Recovery Corp continues to violate my rights under the Fair Debt Collection Practices Act (FDCPA) and their entire response is misleading and untrue. The burden of proof is on Universal Recovery to show that I owe this alleged debt and that good faith efforts were made to contact me so I could exercise my rights under the FDCPA. Debt collectors like Universal Recovery cannot report a debt to a credit reporting agency UNLESS

and UNTIL it verifies the debt. Universal Recovery unlawfully reported this alleged debt to a credit reporting agency before receiving a dispute letter from me and FAILED to notify the credit reporting agency that the debt is disputed. This extremely clear pattern of abusive behavior and unlawful practices is documented all over the web, via Revdex.com, and other sites which reveals that Universal Recovery Corp recklessly violates the FDCPA and consumers' rights. I will not allow them to continue to violate my rights. Here's my response to their message:

1) Universal Recovery claims to have sent 4 letters and left 3 phone messages. In my "conversation" with Anne [redacted] she said she personally called one of those times and that "under the law she only has to tell me her name and phone number and that I should've called back." This is in clear violation of the FDCPA 15 U.S. Code 1692, as it requires debt collectors to "identify themselves and notify the consumer, in every

communication, that the communication is from a debt collector, and in

the initial communication that any information obtained will be used to

effect collection of the debt." I have never received such communication via mail, phone calls, or voice messages from any representative of Universal Recovery Corp.

UNIVERSAL RECOVERY, PLEASE PROVIDE PROOF OF MAILING of those letters, the phone number you allegedly called me from, and the transcripts of the messages allegedly left (with dates). This is my official request of proof of mailing of those letters you mention and not proof of a letter typed up yesterday with a 2011 date that anyone can fabricate. I have requested my phone records for the entire year of 2011 to verify Universal's claim that they called me. I have kept one phone number since 2001 so I can obtain records as far back. If Universal Recovery cannot provide proof of mailing and transcripts of the messages allegedly left (properly identifying themselves), then once again they're being misleading and have robbed me of my RIGHT TO NOTICE under the FDCPA.

2) Universal Recovery claims to have told me on our phone call on 04/30/14 (first ever) that I could "send in a dispute letter and we would forward it to

our client." Again, this is blatantly untrue. Anne [redacted], her supervisor, and [redacted] yelled at me several times saying "there's nothing you can do but to pay because this debt is in collections now." I asked them to provide the contact information of the original creditor Universal listed on my credit report, to which Ann [redacted] and [redacted] said "google it!" Once again, Universal keeps violating FDCPA requirements. Under FDCPA, a debt collector must "give the name and address of the original creditor upon the consumer's written request made within 30 days of receipt of the §1692g notice." Since I have not received ANY written notice from Universal pursuant to FDCPA §1692g and advising me of this alleged debt, the 30 days of receipt cannot be started. PLEASE CONSIDER THIS A WRITTEN REQUEST to obtain the original creditor's information so I can exercise my right to dispute this alleged debt under FDCPA rules.

Furthermore, in my credit report Universal lists: "Original Creditor: H H AGENCY INC (Personal Services)." But now Universal mentions "Dashers" as the original creditor. PLEASE CLARIFY who the original creditor is AND PROVIDE THEIR ADDRESS, as required by the FDCPA.

3) Universal Recovery claims that I "was [sic] transfered to several [sic] diffferent supervisors, none of which

was me, all told her the same thing. Her broker was Dasher's Insurance

and she needed to contact them if she didn't feel she owed it. She

spoke to Ms. [redacted] and Ms. [redacted]. My name appears on the letters we

sent."

Again, Universal is blatantly misrepresenting facts. I was not transferred to several different supervisors, I was abusively yelled at by Anne [redacted] so I asked for a supervisor. Her supervisor refused to provide her first and last name and was as verbally abusive as Anne [redacted] and hang up on me. So I called back and asked for another supervisor, the operator transferred me to "[redacted]" who was condescending, intimidating, and abusive. [redacted] refused to give me her last name, yelled at me some more, and hang up on me. I have proof of my 2 outgoing calls to Universal. I do not know who "me" is on this response but perhaps it's the same person who also refused to identify herself on the call.

UNIVERSAL RECOVERY, PLEASE PROVIDE a copy and a transcript of my phone calls with the 3 representatives I spoke with. Anne [redacted] said at the beginning of my call that "this call will be recorded for quality purposes" and since I consented, I would like to have them for further review. If Universal would like to assert everything they said on their response, then providing a copy of the call and transcript will definitely reveal the actual truth.

4) Universal claims, "We cannot remove the account from her credit report." Again, and even on this response, they continue to violate the FDCPA regulations they are required to follow. Universal Recovery UNLAWFULLY reported this

alleged debt to a credit reporting agency before receiving a dispute

letter from me and FAILED to notify the credit reporting agency that the debt is disputed. Additionally, under section (805), a debt collector must "notify the consumer of their right to dispute the debt (Section 805). The 30-day "§1692g" notice

is required to be sent by debt collectors within five days of the

initial communication with the consumer." My initial communication with Universal Recovery was on 04/30/14 and to the date I issued this response (05/03/14), I have yet to receive this notice or receive any good faith effort by Universal to provide me with basic information about this alleged debt.

On my first contact with Universal Recovery on 04/30/14, they did not bother to confirm my address so that they could send me the Notification of Consumer Rights under Section 805 and refused to provide information about this alleged debt. They still refuse to provide the name and address of the original creditor and now are misleading as to who the actual original creditor is. How can I exercise my notification and disputing rights under the FDCPA when this collection agency (Universal) refuses to follow the law and provide me with the name and address of the original creditor?

Should Universal Recovery Corp choose to follow the FDCPA law and provide me with the reasonable and basic information I am requesting in this response, I ask that they do so via certified mail with signature required, as any credible collections agency would do.

Business

Response:

We don't keep copies of our letter series, nor do we obtain proof of mailing. That is not a requirement under the FDCPA. Letter's were sent to [redacted] on 1/7/11, 2/14/11, 3/3/11 & 3/23/11. None of these letters were returned to us. Phone calls were made to ###-###-#### on 1/25/11, 2/1/11 & 3/25/11. The notes indicate a voice mail was left each time. With no response and a balance this small, the account was reported to the credit bureau to which we report and placed inactive.

Once made aware of her dispute, the account was coded as disputed and on 5/2/14 the upload was sent to Trans Union. It should update to disputed in a timely fashion.

Ms. [redacted] was told the call was being recorded. The standard terminology is "this call may be monitored and/or recorded". Ms. [redacted]'s call was not recorded, but it was monitored as Ms. [redacted] requested as soon as Ms. [redacted] began cussing at her. There is no "transcript" of the call, nor any transcripts of messages that were left in 2011. Ms. [redacted] was advised by Ms. [redacted] and Ms. [redacted] to send in a dispute letter and it would be forwarded to our client. Dashers insurance was her broker at that time and H&H Insurance was the insurer. She was cancelled for non payment of her premium, no response to their requests for payment and was sent to collections. At no time did Ms. [redacted] request the name and address of the original creditor. They are [redacted].

Ms. [redacted] was advised to send her dispute directly to us and was provided with our name and address. Her broker at the time was Dasher's Insurance.

We have followed the FDCPA.

Consumer

Response:

I am rejecting this response because:

I do not consider that Universal Recovery has corrected their failure to follow FDCPA rules and remove this alleged debt from TransUnion. Universal has not provided proof that they 1) notified me in any way of this alleged debt when they first received it from the original creditor and 2) that they verified this debt BEFORE reporting it to any credit reporting agency, pursuant to FDCPA rules, and despite the size of the alleged debt. According to the FDCPA, the size of the debt is irrelevant, debt collectors must still follow its requirements. Universal Recovery's comment of "with no response and a balance this small, the account was reported to the credit bureau and placed inactive" simply confirms the unprofessional comment supervisor [redacted] made "it's a ridiculous debt, just pay it" and that Universal failed to follow FDCPA rules.

Universal claims letters were sent and none were returned to them. I did not receive any letters in any form or shape from Universal Recovery at any time. If they need returned correspondence from individuals they are trying to collect, then they should mail those letters via certified mail. Based on their response, it is reasonable to assert that there is no evidence or proof of such letters or mailing or phone calls or messages ever took place.

Universal claims our call on 04/30/14 was not recorded. First, they state "Ms. [redacted] was told the call was being recorded" then they say the terminology was "this call may be monitored and/or recorded." Then they say, the call was not recorded but monitored at Ms. [redacted] request because I began "cussing at her." If they have the ability to record a call and allegedly have someone "cussing at them" why not utilize their recording abilities? The answer is obvious. Their inconsistent recollection of what they claim they said is evidence of their complete and utter disregard for the facts and the true nature of their behavior. I did not "cuss" at anyone and remained calm in hopes that they would eventually give me the information I was requesting; even though all three of their representatives yelled at me, ridiculed me, told me I have no recourse but to pay this "ridiculous debt."

Universal claims I was advised to dispute this alleged debt directly to them and provided me with their name and address. Again, Universal's ability to document their blatant misrepresentation of the facts is astonishing. Had they informed me of my right to dispute this alleged debt, I would not have created this complaint with the Revdex.com. They did not give me their name and/or address; in fact, and as I mentioned before, they would not even give me their names.

Clearly, this ongoing back and forth with Universal Recovery will not achieve any results. Now that I have researched on my own about my right to dispute and other remedies , I wish to no longer communicate with Universal Recovery, aside from verifying this alleged debt.

Thank you.

Review: May 27, 2014Dear Revdex.com,It was brought to my attention that Universal Recovery Corporation reported to Trans Union that I, had a collection account with them for $436.00.On April 8th, 2007 I was at [redacted] because I had to put our sick Cocker Spaniel to sleep. While I was there, someone got into my van and stole my checkbook with check numbers from 5445 thru 5450. I put a stop pay on those checks immediately through Scho[redacted].Universal Recovery Corporation sent me a notice on September 26, 2007 stating one of the stolen checks was used at Wishing Well in the amount of $108.03, check number 5446.I called the accounting department at Wishing Well and a woman admitted that they did not call me before turning the check over to Universal. Immediately I sent registered letter # [redacted] to [redacted] at Wishing Well explaining the checks had been stolen and questioned why they took a check with no identification to back it up. I also called Universal Recovery and explained the situation to them. I sent them the police report numbered [redacted] via registered mail #[redacted]. Their office signed for it on November 7, 2007. I was told on the phone it would be cleared up.[redacted] from Universal Recovery called me on December 17th, 2010 to collect again. I explained to her that I had already sent them the police report, affidavit of forgery, and was told the matter was cleared up. She asked me to fax it all again to her, which was done the same day including a letter asking them to have a supervisor call me upon receipt. I did not here from a supervisor, but [redacted] assured me that the matter was cleared up. My husband and I applied for a home loan the beginning of May 2014 and our credit report showed that Universal Recovery reported to TransUnion a serious delinquency and public collection filed.I called Universal Recovery on May 13, 2014 and spoke to supervisor [redacted].Desired Settlement: I would like a letter from Universal recovery explaining that this was not a collectable debt and that they made a mistake in reporting this. I would like to be reimbursed for the registered letters.

Business

Response:

Unfortunately, our records don't indicate an affidavit of forgery was received, even tho Ms. [redacted] claims to have a signed receipt. Upon receiving the affidavit of forgery on 5/13/14 and our internal investigation into the affidavit of forgery, the account was set to remove from the credit file.... Our records indicate this was done on 6/3/14.

I will email a deletion letter to the email provided in this complaint.

Review: We had a debt owed to this company of $79, which was paid in full. They promised to email receipt but never did. Called numerous times to ask for it

We found this debt on our credit report. We called right away to pay it off since it was only $79. It was paid on 9/3/13 and the representative said they would email it to me that day by 4:30. I waited a 2 weeks to call back to be emailed paid in full letter with no different result. A month after that we called again and found the Mailing address was incorrect so we had that changed to our new home address and we were given a "supposed date" the email had been sent so I reviewed our Inbox and spam for that date with no received email from them. Here we are another month later without a receipt in the postal mail and we call to have it emailed to a different address only to hear "we aren't wasting anymore of our time to email a receipt to you" and them giving us a wrong physical address again that should have been changed a month ago. They stated for us to go off our bank statement as proof but to have it removed from our credit report, we need a letter stating the company the debt was owed to has been paid in full. We are only seeking some type of proof from Universal Recovery Corp that the debt to [redacted] Insurance of $79 has been paid in full. Desired Settlement: Our rightfully deserved proof we have satisfied our debt and have them remove this off our credit report.

Business

Response:

Initial Business Response

The account was paid on 8/30/13. That day, a paid in full letter was requested to the Quincy address and again on 9/13 & 10/9. None of the letters are returned to us.

This will not be removed from his credit report - only updated to paid in full. The file was submitted to Trans Union, the credit bureau to which we report, on 9/6/13, to update to paid in full status.

Final Consumer Response

(The consumer indicated he/she DID NOT accept the response from the business.)

We called on 11/07/13 and the universal recovery business stated they still had our old address on file even though we had previously called a month before that to change the address to where we live and have been living for the past 3 years. Some accountability would be great. I will contact transunion to see if it was indeed updated on 9/6/13 as paid in full. It's just sad that we contacted this business to pay the debt and to be treated the way we were is absurd. I doubt many people call searching to pay their debt the way we did.

Final Business Response

Per our agreement with Trans Union, we will not delete accounts to induce payment. This account had been outstanding since 2011. Three paid in full letters were sent to the consumer with no mail return.... There is not much more our company could do. Contrary to the consumers belief, many people call in to resolve their collection accounts, especially once it's on their credit report.

Review: This company claimed that I have owed a debt since October of 2014 and that this debt has impacted negatively on my credit score. When I spoke with their representative that contacted me he advised me to contact the insurance company but he also told me that the only way to resolve this was to pay the debt. I told him that I knew positively that I did not owe this debt. He told me that they had already dinged my credit score so there was really no other way for them to hurt me, except that this debt is gaining daily interest. however upon calling the auto insurance company they confirmed what I already knew which was that all of the fees were waived a year ago. therefore there never was any debt, but now my credit score is impacted and I don't know what to do. My other question is why did they wait a year before calling. It feels like it is done intentionally to hurt your credit. there has to be a way to put a stop to this. Are they not supposed to confirm with the company first before just hurting someone's credit, I mean now a days your credit decides your life.Desired Settlement: I want my credit fixed. My husband and I want to look for a new car and now it is going to have to wait because of their mistake not mine.

Business

Response:

Attached is the information received from our client. If Ms. [redacted] has proof of payment, can she please forward it to us?

Review: Fraud was done on my banking checking account. The account was closed by my bank. Fraud was proven to have taken place and I was not held liable for any of the checks written fraudently. This company contacted me stated that I had to pay a check that I had never written. I stated that this was fraud done on my account. A woman by the name of Miss [redacted] stated that I was liable for a check (which was written in another part of the state and had incorrect address, phone etc. on it) Miss [redacted] stated that she had sent a certified letter to me. I stated how could you have sent a letter when you do not have my address. She stated it did not matter, the check would go onto my credit report. I stated that she could call my bank and verify that this was all done during fraud on my account. She stated that it did not matter she would report it to my credit report.Desired Settlement: This company tends to falsely identify themselves refusing to release any information until they have your name and phone number. I do not owe any of the monies to anyone for the fraud checks and should not be threatened with a report to any credit agency for something I am not liable for. I want this matter to be dropped by this agency.

Business

Response:

We advised Mr. [redacted] that we needed an affidavit of forgery from the bank. We have yet to receive that. Under the FDCPA, we cannot disclose personal collection information until we have identified that person. We are a credit reporting agency, there is no threat. We need the affidavit of forgery to close out the account as fraud.

Consumer

Response:

I am rejecting this response because:

This company has received the said document that they ask for concerning fraud. No response or confirmation has come form this agency closing out this harrassment.

Sincerely,

Business

Response:

The affidavit of forgery was processed on 3/10/14. The account has been closed as fraud.

Review: This company called me today claiming that they sent a letter that describes a debt. They confirmed that they can see that I did not receive the letter (per usps website). They refused to send me a copy of the letter even though they confirmed that I never have seen it. They were incredibly rude and not willing to help me resolve the issue at all. These calls are a form of harassment especially when they are not willing to resolve them.Desired Settlement: If they are not willing to provide me with a letter of the debt they are trying to collect them stop calling me. It's that simple.

Business

Response:

On 10/13/15, we received 3 accounts from our client on [redacted] payroll checks that had been returned dishonored by the bank for non sufficient funds. On that day, we sent out a demand letter, certified mail, [redacted] per California Civil Code Section 41.620. Per the attached, the letters were returned to us unclaimed. The Civil Code requires us to mail the demand letter certified mail and it is effective upon mailing. Mr. [redacted] was notified by his bank that these checks did not clear and he was notified by our client as well. In addition, balancing his payroll account would have shown these checks did not clear. On 11/13/2015, another letter was generated via regular mail. he did not respond to those either and they were not returned to us by the Post Office. Copies of the returned checks and the status directly from [redacted] verifiying the letters were sent, certified mail, was returned to us.

Review: I call this company to take care a matter that was on my credit report. I was transfer to a [redacted]. I explained to her that it is 60.00 on my credit report she tells me I owe 133.00. The company is [redacted] portraits. This was August 2013. So I decided in February of 2014 to call and take care of this matter because I'm trying to clear up my credit. I get her (Ms [redacted]) first go round and she says it is 57.00. I say ok do you take a money order she says yes. So I get address to mail it off. Well misplaced address with my account number on it. Call back 5/2/2014 to get address now she tells me it is 122.00. Now really I do want to take care of this matter.Desired Settlement: I want to pay what is on my credit report which 60.00 I don't' know what she is charging for.

Business

Response:

Ms. [redacted] called in August, 2013. I told her that her balance was $126.00. She said she would make payments by money order and asked for the address, which I gave her.

Ms. [redacted] called again today and I told her her balance was $126.00. She didn't recall talking to me in August, but again said she would be mnaking payments via money order and took down the adress again.

We have reported to Trans Union her balance of $126.00. That's what is owed. We are not a debt bying agency, we don't have authorization to settle accounts.

Review: I am not even sure who or what this company is, I just looked at my credit score and history online and there is an $84 charge that went into collections, to a business named [redacted] then transferred over to whoever [redacted] is. I would love to pay this thing off and have it removed from my credit history.I would like to know what this is and WHY is it on my credit history? No phone number or address provided to me. I never received a letter in the mail for ANYTHING related to this! I need help with this situation please. I just called in today 1/6/2016 to resolve it and the agent was really rude. She stated "to just take out my credit card numbers to get this st over with". I just asked her to send me a letter either faxed or mailed of how much the account is and that as soon as I make the payment I will not owe nothing to them no more and get it removed from my credit report.Desired Settlement: Desired Settlement: I would like this taken off of my credit history as soon as possible once I receive a letter stating that it was paid.

Review: on 03/03/2014 I made a payment of $505.00 to this company. Miss [redacted] was VERY VERY rude! she was very demanding. I had called to settle m account and asking if I can set up arrangements and she kept insisting that no I cannot set up arrangement that I can only make lump sum payment. So I did. And I was left with a balance of $88.32. I set up arrangements so that it can automatically be charged from my bank account. My check bounced back. I received a call from Miss [redacted] demanding that she receives my debit card info so that she can charge my account. I told her no that I would call back when I have the funds to do so. She said why not, that if she didnt receive my payment she would pursue further action to my account. A few days later I called and was told I now owe $132. I told her I was not going to pay that amount that I would only pay my balance of $88.32. I asked to speak with manager. I spoke with Robin she claimed to be the manager and owner but was very rude and unprofessional. She laughed and said very rude remarks! I dont appreciate her attitude or Miss [redacted]s bad attitude. They are both very unprofesional and they do not help you at all. Not understanding at all. I want my account settled and removed from my credit report!Desired Settlement: I would like my account settled as is. No futher payment. I have already given them a payment of $500.00. I also want a letter to prove that the items on my credit report are removed.

Business

Response:

Ms. [redacted] had 3 accounts here for collections. She made arrangements to pay those accounts, but her last payment bounced. A $35.00 NSF fee was added to her account. She refuses to pay the NSF fee... Company policy is to charge this fee when checks to us bounce.

We won't remove the accounts from her credit report nor waive the remaining balance. Once she pays the balance, the credit bureau will update the accounts to paid in full status within the appropriate timeframe.

Consumer

Response:

I am rejecting this response because:

They are unfair, rude, and do not help in resolving the issue or settle the account as is. I have already made a payment to them of $500.00 and there was a remanding balance of $88.62 and now they expect me to pay $135. They are a collection agency and should help settle the accounts.

Sincerely,