ComplaintsforRecovery One

• Initial Complaint

  01/16/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am being harrassed by a debt collection agency for a debt that does not exist. I had a delay in payment to a company for auto repairs by my insurance company that went to collection. The debt was subsequently paid in full by my insurance company and I have a reciept of payment from the creditor. Nevertheless, I continue to recieve letters of collection from Recovery One. I reached out to Recovery One to explain that the debt has been paid in full, but was told I needed to supply bank records. When I attempted to explain that the debt was paid by my insurance company and I have a reciept from the creditor, I was told a reciept was not proof of payment and again asked to provide my bank records. I have followed the dispute process outlined on Recovery One's letter to no avail. I would like this matter closed and any record of failure to pay stricken from my credit report.

  Business response

  01/25/2024

  The customer's desired resolution is: Desired Settlement:
  Correction to a credit report

  We did not report this to the customer's credit. We will not report this to the customer's credit.

  We asked our client to verify if they have received payment per the customer's claim however they responded that they have not received payment. 

  We will not contact the customer further per his request.

  This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

• Initial Complaint

  11/28/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This business that has placed a collection on my account, is not register with the secretary of STATE TO COLLECT. All collection company must secure a bond to collect in the state of Texas. I have called them multiple of time and I keep getting switch to a voice mail. I have called the state in they are not register to collect ###-###-####. The company collecting for has no information. fraudulent collections company, not even register legally to collect for state of Texas. Please remove off credit reports

  Business response

  12/01/2023

  We disagree with this complaint, however, to reach the desired outcome per the customer's request we notified the credit bureaus to delete the account.

• Initial Complaint

  07/05/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  We were notified, via USPS mailed letter from the company, that we were in collections from Window World of Huntsville. We called them on June 12th at 12:35pm and requested the original contract with signature, the creditor information, payment history and itemized billing, and proof of ownership to which the lady on the phone refused to provide in writing VIA USPS and told me I had to get from Window World directly. She even sent me to a manager when I explained they had to provide these details to me when they are attempting to collect and the manager never called back.

  We have documentation and proof of mailing back Recovery One's form on June 12th at 1:39 pm responding that I was disputing the debt and explained the situation on the back along with asking for the above information, in writing.

  As per Recovery One's own document, since we responded using their form, prior to June 23, 2023, they MUST STOP COLLECTION ON ANY AMOUNT until they send us information that we owe the debt. Recovery One has not done this and our credit has been hit 36 points.

  This is against their policies and our rights. This credit agency should stop the impact on our credit as we are in dispute with Window World, have an open BBB case file regarding the issue, and we have plenty of documentation, witnesses and documents providing this is not a legitimate collection case.

  We have also done our part to communicate with Recovery One and they have not done theirs by continuing to allow this false collection to continue.

  Business response

  07/06/2023

  Per the customer's request we sent update to delete this from their credit report. We closed the account in our office.

  This communication is from a debt collector.

   

  Customer response

  07/09/2023

  [If you do not say why you are rejecting the company's response, BBB must close your complaint.] 
  
  Complaint: 20275096
  
  I am rejecting this response because: 

  In order for us to accept this response from the company, we are requesting attached proof-a confirmation number/ a formal letter/ or some sort of documentation that they have 

  1-deleted this from our credit report

  2-that we are no longer in collections with Recovery One and we are dealing with Window World independently.  

  This documentation is needed since our credit report has not shown this action yet and we would like proof prior to closing this complaint. 

  Thank you. 

  
  Regards,
  
  ******* ******

• Initial Complaint

  08/13/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  The basis for my dispute RECOVERY ONE LLC,Mr. ***** *******, President,RECOVERY ONE LLC*********** - was required to notify me prior to 12/30/2020, or no later than 30 days after. RECOVERY ONE LLCfailed to notify me about reporting derogatory info. to Equifax, Experian, and Transunion In section 603(p) 15 U.S.C. ss 168s-2(a)(7)(A)(I); “The notice required under subparagraph (A) shall be provided to the customer prior to, or no later than 30 days after 12/30/2020, furnishing the negative derogatory information to a consumer reporting agency described in section 603 (p),’ 15 U.S.C. ss 1681s-2(a)(7)(B)(I). Plus broke commercial law under UCC § 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. Also, RECOVERY ONE LLC" failed to give me my "Mini-Miranda" five days prior to placing this derogatory item on all of my credit reports, per Section 807(11) & FDCPA §809, which is $1000 per violation and the state of AR allows treble damages. Under § 809. Validations of date and Mini-Mirandi under Section 807(1)RECOVERY ONE LLC,Mr. ***** *******, President failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to $2500 and can be enforced by the FTC, and that my state attorney general can also enforce this with a $1000 penalty as well. I attached a copy of the law and the actual document from the federal reserve RECOVERY ONE LLCis held liable as well for defamation and in the state of AR a creditor is who collects their on debt is considered a debt collector under FDCPA. ***** ** ***** *** ********************* ******* **** ********* ****** ****** ** ***** *** ****** ****************** **** **** ****** *******  RESOLUTION I will if the account is not taken back

  Business response

  09/29/2022

  Per the customer request we notified the credit bureaus to delete the tradeline. 

  This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

• Initial Complaint

  06/21/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have filed a dispute with all 3 credit agencies and told these people I have not lived in NC are 2017. This charge was NOT mine, MY X wrote a check for services for a window and it was not my responsibility. I have disputed this multiple times and they will NOT remove this. I am in the process of getting a home and this is the only collection activity I have on all my accounts. I want it resolved and removed. Any help that you can provide I would greatly appreciate it. Thankyou **** ****

  Business response

  07/08/2022

  We reported to the credit bureaus prior to receiving this complaint to delete the account. Please let me know if we can be of further assistance.

   

  This communication is from a debt collector.

• Initial Complaint

  12/08/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On December 7, 2020, I receive a call/message to call this number on behalf of ****** *****. After listening to the message, I called the number back and was told that they were a credit company attempting to collect a debt. The lady told me what the amount was and asked if I was ready to make a payment. I told her no and went to explain the situation and she stated, I needed to call ****** *****. She said if I don't make a payment it would be added to my credit report in 30 day. On December 8, 2020 at 8:57am, I called the credit company and the lady (Piper S***** answered the phone. I asked if she could give me some information about her company as I received a call the day before. She gave me the company's name, ******** ***. I asked her for their email address and any information and she said let me put you on hold. I was immediately transferred to a number for (Angie G*****) and her voice mail picked up so I left a message. I then called back to the main number and Piper S**** answered again and said hello, please hold and she transferred me to Angie G*****'s number again. I called back a 3rd time and was sent to voice mail. I refuse to pay over the phone to someone that I'm not even sure if they are legit or not. I'm only asking for basic information about their business and they won't even provide that. I do not appreciate receiving a phone call on yesterday asking me to make a payment and they refuse to give me their business information.

  Business response

  01/17/2022

  Here is the e-mail address that was requested by the complainant. 
  
  **********@recoveryonellc.com

  This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

  Customer response

  01/18/2022

  [If you do not say why you are rejecting the company's response, BBB must close your complaint.] 
  
  Complaint: ********
  
  I am rejecting this response because: The company wasn't willing to give information regarding their business. I called back 3 times the following day and was hung up on and wasn't able to speak to anyone. How is this a business that doesn't answer the phone properly and hangs up on customers. When I asked basic information regarding their company, nothing was provided to me other than I needed to pay this debt. I do not feel comfortable dealing this company and they are far from professional.
  
  Regards,
  
  ******* ******

• Initial Complaint

  09/10/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I've been a victim of identity theft and I'm being treated like I'm the one who is the criminal. A fraud check was written on April 8, 2021, to ******** **** ***** Check # **** I've given Recovery One the Case # from the police as the report takes 7-8 business days to get fully processed they won't accept it and are telling me they are turning this account over to collections. This is not acceptable and ******** won't talk to me because I can't verify the information as I'm not the person they are trying to go after.

  Business response

  09/16/2021

  Thank you for providing us with the police report. We closed this in our system.

  This communication is from a debt collector.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩