BBB Business Review

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This business is not BBB accredited.

STP & Associates

Phone: (866) 981-0940 View Additional Phone Numbers Serving the Greater Houston and Surrounding Areas, Houston, TX 77027 ! There is an alert on STP & Associates !


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BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.


Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that lowered the rating for STP & Associates include:

  • 57 complaint(s) filed against business
  • Failure to have a required competency license

Factors that raised the rating for STP & Associates include:

  • Length of time business has been operating
  • Response to 57 complaint(s) filed against business
  • Resolution of complaint(s) filed against business

The BBB cannot confirm or deny the company is still in business. However, they have failed to respond to the BBB to resolve and address complaint issues.


Customer Complaints Summary Read complaint details

57 complaints closed with BBB in last 3 years | 5 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 1
Billing/Collection Issues 53
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 3
Total Closed Complaints 57

Additional Complaint Information

According to BBB records, several consumer complaints allege STP & Associates' debt collectors misrepresent themselves as government agencies or law enforcement officers, often threatening consumers with legal action and/or incarceration if the alleged debt is not paid immediately. Individuals are often told the debt originates from a payday loan. Debt collectors with the company will not offer consumers identifying information such as the company's location or licensing/registration information, however.  

Consumers should note that the Federal Fair Debt Collection Practices Act requires debt collectors to identify themselves, as well as name the original creditor. Debt collectors must also provide verification of the debt if a consumer issues a written request within 30 days of receiving initial notice. The Act also prohibits collectors from engaging in the false misrepresentation of a debt's character, amount, or legal status.  

A BBB investigation found STP & Associates was not actively registered with the Texas Secretary of State (SOS). BBB investigators found no record of STP & Associates in the state's database. State law requires debt collectors engaging in debt collection activities within Texas be bonded and registered with the SOS. Before paying any debt, verify the company contacting you is licensed to collect debts in your state. Beware of callers refusing to provide you with their identifying information or those who threaten you with legal action or arrest.  

The Bureau has attempted to contact the company at the following addresses and has received returned mail from each of the address listed below as of today:


13831 Northwest Fwy STe 250
Houston Tx 77040

1500 Rankin Rd Ste 200

Houston TX 77073

10900 Northwest Freeway, 200
Houston TX 77092

Customer Reviews Summary Read customer reviews

0 Customer Reviews on STP & Associates
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 0

Additional Information

BBB file opened: October 20, 2011
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

Texas Secretary of State
1019 Brazos Street, PO Box 13697, Austin TX 78711-3697
http://www.sos.state.tx.us
Fax Number: 512-463-5709
On 7/31/2012 BBB confirmed that STP & Associates had not obtained a necessary license from Texas Secretary of State.

Business Category

COLLECTION AGENCIES

Alternate Business Names
STP Group STP Mediation and Processing
Industry Tips
COLLECTION AGENCIES
X

BBB Customer Review Rating plus BBB Rating Overview


BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.
Details

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.