ComplaintsforStates Recovery Systems, Inc.

• Initial Complaint

  10/30/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for the debt to FIRST TECHNOLOGY FCU. i do not have a contract with STATES RECOVERY SYSTEM & never recieved one after i requested for one.

  Business response

  11/01/2023

  States Recovery Systems, *** has received and responded to the consumers request for validation of the debts. We were made aware of the consumers request via the eOscar portal which is the credit bureaus portal. The request was received by our office on June 1, 2023 and validation was mailed to the address that was provided to the credit bureaus. I have attached our responses and will mail again to the consumer at the updated address provided on this BBB complaint.

• Initial Complaint

  10/21/2023

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I'm not liable for the debt with states recovery systems I didn't enter any contract and I did not sign any paperwork with this company stating that I would pay them or owe them any money. Furthermore, this company has violated my consumer rights by not providing the requested original contract with my signature signed by me within in the time frame set by FCRA. I contacted the original company 01/01/2023 and declared that this account was opened without my authorization reported unauthorized transactions had occurred with account as week As a result, first tech Federal credit Union also violated my consumer rights by keeping the account open then knowingly sold verified identity theft debt to this company.

  Business response

  11/01/2023

  States Recovery Systems, *** has previously worked with the original creditor to investigate the consumers complaint. Attached are the findings from that investigation which was sent direct to the consumer as well through the **** portal. 

   

  Thank you

  States Recovery Systems, Inc.

• Initial Complaint

  12/22/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  My name is *******************************, a federally protected consumer and I am filing this complaint against STATES RECOVERY SYSTEMS, INC. for invading my individual privacy by committing abusive deceptive and unfair debt collection practices. I never contracted with STATES RECOVERY SYSTEMS, INC. and they have no lawful reason to be committing fraud with my identifying information.STATES RECOVERY SYSTEMS, INC. stated in Exhibit A on September 30, 2021, that Recently you advised us that you disputed the validity of this debt I never received any validation documents prior to this company fraudulently furnishing this alleged debt to my consumer report. Pursuant 15 USC 1692g(c), I have not validated any alleged debt with STATES RECOVERY SYSTEMS, INC. and my failure to dispute the validity of this alleged debt shall not be construed as an admission of liability.STATES RECOVERY SYSTEMS, INC. stated in Exhibit A on September 30, 2021, that Accordingly, we suspended our collection efforts and asked our client to investigate your claim of dispute. I would like to note that if ******************* filled out a ****c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711(e) by performing any of the following conduct; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, or reporting delinquencies to the credit reporting agencies, STATES RECOVERY SYSTEMS, INC. is aiding ******************* in committing tax fraud and shall be reported to the *** for a fraudulent financial gain.We need to protect the interests of our client STATES RECOVERY SYSTEMS, INC. is engaging in unlawful extortionate activities and is in violation of 15 U.S.C. 1692d(4). In accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S.C. 1692e(12) and STATES RECOVERY SYSTEMS, INC. shall be held criminally liable for Aggravated Identity theft under 18 U.S.C. 1028A.As of 12/21/2022, I have not received any documentary evidence, such as a trilateral contract, giving STATES RECOVERY SYSTEMS, INC. any right to collect on this alleged debt. It is my belief that STATES RECOVERY SYSTEMS, INC. are attempting unlawful extortionate activities and theft by deception by furnishing false and deceptive forms. I have never received any documentation requesting validation from STATES RECOVERY SYSTEMS, INC. prior to them committing multiple violations under the **** and the ***** by furnishing this alleged debt to my consumer report. Which has severely damaged my good name and excluded me from financial opportunities to better myself and my families lives. If STATES RECOVERY SYSTEMS, INC. cannot provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. Due to STATES RECOVERY SYSTEMS, INC.s abusive, deceptive, and unfair debt collection practices, I will be filing litigation against them in federal court and they shall be held criminally liable under 18 U.S. Code 894 for collection of extensions of credit by extortionate means and Aggravated Identity theft under 18 U.S.C. 1028A.

  Business response

  12/29/2022

  States Recovery Systems, Inc. has reviewed the details provided by the consumer.  Please be advised that our organization has continued to receive these notices since January 2020.  It is important for us to specifically alert the BBB as to the shear number of requests this consumer has sent to our organization that we have diligently investigated and responded to.  To date we have received 27 total disputes and/or complaints:
  4 ************************************ (****) complaints
  6 Direct Consumer Letters
  4 ************************** Letters Disputing the Validation of Reported Information
  12 E-******************* Disputes
  1 BBB Complaint (current)
  ALL of these requests have individually been investigated and we have provided validation of the assigned account on eight (8) separate instances to four (4) separate addresses over the course of the past 3 years now.  Two of the validation responses were provided direct to the **** through their online portal as part of the complaints filed by this consumer and validation was provided at his request. 
  The information remains the same.  The consumer has received numerous copies of the credit application which includes his signature and fingerprint dated December 8, 2017 where he agreed to the terms and conditions of the Revolving Charge Security Agreement and Disclosure Statement, the Disclosure Statement for Revolving Charge Accounts, and the Transaction History showing all charges and payments to support the amount assigned.  The current creditor still asserts the total amount assigned to States Recovery Systems, Inc. is outstanding and due. 
  ****************** has even purported that States Recovery Systems,Inc. has obtained a copy of his consumer credit report without his authorization, therefore alleging a violation of the Fair Credit Reporting Act (****).  ****************** was provided numerous copies of the supporting documentation for the assigned account from the current creditor, *****************.  States Recovery Systems, Inc. therefore has a permissible purpose under the **** when accessing said data when it is related to the collection of a credit transaction authorized by the consumer. 
  As a result of the numerous credit bureau trade line disputes that have been received and investigated, this consumers file has been updated on his credit file to reflect **** dispute investigated consumer disagrees.
  I would strongly encourage ****************** to contact our office direct at ************** to discuss any further questions he may have and to work through a voluntary resolution.  ***************** has placed our office on a cease and desist so unless we receive written permission to rescind this notice, he will be obligated to contact us direct. 
  Our position remains the same and our responses will not deviate.  The repeated number of attempts to dispute this matter with various different entities will only further delay resolution. 
  Additional Notes:
  **** Complaint #******-5940214 Received 11/19/21,Response Complete 2/1/21
  **** Complaint #******-9792268 Received 11/18/22,Response Complete 11/23/22
  **** Complaint #******-9788387 Received 11/18/22,Response Complete 11/23/22
  **** Complaint #******-10026997 Received 12/28/22,Response pending

*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. ↩