Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:03/05/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with ************************* AR 1. I do not have a contract with S & S RECOVERY, they did not provide me the original contract as I requested.

  Business Response

  Date: 03/11/2025

  Thank you for the opportunity to respond to this complaint.  Upon receipt of the complaint, an investigation was conducted into the matters alleges.  It was determined that this is the first dispute received on this account.  Documentation was requested from the Creditor, *************************, regarding the matters alleged.  Attached hereto is a letter with documentation provided by the Creditor. If the complainant has any questions, please contact our office at ************.

  Customer Answer

  Date: 03/11/2025

   
  Complaint: 23022905
  
  

  To Whom It May Concern:

  
  This letter is being sent to you in response to a listing on my credit report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (8), stating your claim is disputed, and debt validation is requested.
  This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
  At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus (Equifax, Experian, or **********), this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative **** is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following:
  Violation of the FCRA
  Violation of the FDCPA
  Defamation of Character
  If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this debt validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel.
  This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this debt validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report, and a copy of such deletion request shall be sent to me immediately.
  (OPTIONAL CEASE & DESIST) I would also like to request, in writing, that your offices make no further telephone contact to my home or place of employment. If your offices continue to attempt telephone communication with me, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.
  It would be advisable that you and your client assure that your records are in order.

  
  Best Regards,

  
  ***** *****
  
  

  Business Response

  Date: 03/12/2025

  Thank you for the opportunity to respond to the most recent communication regarding this complaint.  S & S Recovery, **** has previously provided documentation in response to the complaint.  Additionally, a copy of this documentation is being uploaded with this response.  The complainant's account has been marked as disputed and placed in a cease communication status.  If the complainant has any questions about the documentation provided by our office and the Creditor, *************************, please contact our office at ************.

• Initial Complaint

  Date:02/26/2025

  Type:Delivery Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Today 2-26-25 I woke up to a charge from this entity when *** never spoke to them. Agreed to anything. Signed any contracts. They took money from my account when there was no CONTRACT or AUTHORIZATION. I dont even know how they even got access to my account.

  Business Response

  Date: 02/27/2025

  Thank you for the opportunity to respond to this complaint.  The Complainant contacted our office on 2/26/2025 to dispute a charge on her **** charge which was used to pay on an account listed in Complainant's name.  We advised that we would be glad to help with the dispute. Management spoke with Complainant and explained that our system showed that someone logged into the account for Complainant using the secure web portal on 1/27/2025.  During the online session, someone set up a payment plan using the same **** card which Complainant was calling to dispute. This payment plan was set to begin on 2/26/25, with monthly payments thereafter until the account was paid in full.  The address on the account was also updated to the same address which Complainant listed in this complaint.  After the manager conveyed this information, the Complainant stated that she still disputed the charge.  ********** advised that we would refund the card as soon as the payment settled.  Today, 2/27/25, the transaction settled, and we have already refunded the **** card.  We also cancelled the scheduled payment plan that was set up. If the Complainant has further questions, please contact our office at ************.

• Initial Complaint

  Date:02/15/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  i am not liable for this debt with s & s recovery **** i do not have a contract with the collection agency, they did not provide me with the original contract as i requested.

  Business Response

  Date: 02/28/2025

  Thank you for the opportunity to respond to this complaint.  Upon receipt of the complaint, an investigation was conducted into the matters contained in the complaint.  The Creditor, *******************, provided documentation regarding the account.  Attached hereto is a letter with documentation provided by the creditor, as well as correspondence previously sent from this office.  If the complainant has further questions, please contact our office at ************.

• Initial Complaint

  Date:02/07/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with S & S RECOVERY, I do not have a contract with S & S RECOVERY, they did not provide me with the original contract as requested.

  Business Response

  Date: 02/21/2025

  Thank you for the opportunity to respond to this complaint.  Upon receipt of the complaint, an investigation was conducted into the matters alleged.  The Creditor has provided documentation in response to the Complaint.  Attached you will find the documentation provided by the Creditor. Upon receipt and review of the documentation, if the Complainant has any further questions, please contact our office at ************.

  Customer Answer

  Date: 02/21/2025

   
  Complaint: 22913908
  
  I am rejecting this response because:
  There is no proof or documentation of services provided. I would like each charge itemized to prove its legitimacy or have all fees and balances removed from my credit report.

  
  Sincerely,
  
  Zion ********

  Business Response

  Date: 02/21/2025

  The requested documentation was previously provided by the Creditor and provided in response to the original Complaint.  ********** will continue to mark the account as disputed in our system.  If the consumer has any further questions, please contact our office at ************.

  Customer Answer

  Date: 02/21/2025

   
  Complaint: 22913908
  
  I am rejecting this response because:
  The mailing address is incorrect, To add in I never signed anything stating I would  pay said amount. I have no contractual agreement with said debt collectors.
  Sincerely,
  
  Zion ********

  Business Response

  Date: 02/24/2025

  Thank you for the opportunity to respond to this complaint/rejection.  After receipt of the rejection, our office reached out to the Creditor again for any additional documentation pertaining to the consumer's request for a contract.  The Creditor provided the attached ***************** Responsibility Agreement signed by the complainant.  If the complainant has further questions, please contact our office at ************.

• Initial Complaint

  Date:02/05/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with 07 ******************* A R 1ST, I do not have a contract with S&S RECOVERY. I was unable to find them in the BBB data base with the information they have listed on my credit report. I do not have a contract with S&S RECOVERY.

  Business Response

  Date: 02/05/2025

  Thank you for the opportunity to respond to this complaint.  Upon receipt of the complaint, an investigation was conducted into the matters alleged in the complaint.  A request was made to the Creditor for documentation regarding the information.  Attached hereto is a letter with documentation provided by the Creditor, ********************  If the complainant has any questions, please contact our office at ************.

• Initial Complaint

  Date:01/03/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for the debt with lone ************ system. I do not have a contract with S & S RECOVERY, they do not provide me with the original contract as I requested.

  Business Response

  Date: 01/06/2025

  Thank you for the opportunity to respond to this complaint.  Upon receipt of the complaint, an investigation was conducted into the matters contained in the complaint.  It was determined that the consumer paid the account for the Creditor, *****************, in full on 1/10/2023.  Attached you will find a copy of a paid in full letter confirming the payment date and that the account was paid in full.  Any reporting to the credit bureaus was stopped upon payment in full and the account was marked as paid in full with a $0 balance with the credit bureaus.  Additionally, a request has been made to the credit bureaus to delete this account from the consumer's credit report.    

• Initial Complaint

  Date:12/26/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for the debt alleged by S&S RECOVERY. I have no contractual relationship with S&S RECOVERY, and they have not provided the original agreement as requested.

  Business Response

  Date: 12/30/2024

  Thank you for the opportunity to respond to this complaint.  Previously, S & S Recovery, **** responded to a complaint in which documentation was submitted showing that the consumer had paid the account in full for the Creditor, ********************  You will find this documentation attached again.  Additionally, the account balance information has been submitted to the credit bureaus with a $0 balance, paid in full, and should be removed from the consumer's credit report on the next reporting cycle.  

• Initial Complaint

  Date:11/14/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with S & S Recovery, Inc. I do not have a contract with S & S Recovery, Inc. they did not provide me with the original contract as I requested.

  Business Response

  Date: 11/18/2024

  Thank you for the opportunity to respond to this complaint.  Upon receipt of the complaint, S & S Recovery, **** conducted an investigation into the matters alleged in the complaint.  Attached hereto is a copy of the documentation provided by the Creditor, *******************, as well as a Paid in Full letter for the complainant.  The complainant paid the account online through our website on 11/4/2024.  The Paid in Full status was updated with the credit bureaus on the next reporting cycle. If the complainant has any additional questions, please contact our office at ************.

• Initial Complaint

  Date:11/12/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with S&S Recovery. I do not have a contract with S&S Recovery. They did not provide me with the original contract as requested.

  Business Response

  Date: 11/21/2024

  Thank you for the opportunity to respond to this complaint.  Upon receipt of the complaint, S & S Recovery, **** conducted an investigation into the matters contained in the complaint.  The Creditor provided documentation, as well.  Attached hereto is a letter with documentation provided by the Creditor, *******************. Included in the documentation is a copy of the ***************** Responsibility Agreement.  If the complainant has additional questions, please contact our office at ************.

• Initial Complaint

  Date:07/09/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The business, S&S Recovery, is reporting to the credit bureaus that I owe them $4,825 however I owe them $0 as I have never signed any agreements or contracts with their company. They need to take their company off of my credit reports and remove the debt owed.

  Business Response

  Date: 07/10/2024

  Thank you for the opportunity to respond to this complaint.  Upon receipt of the complaint, an investigation was conducted into the matters alleged.  A copy of the dispute was sent to the Creditor, *************************, for their response.  The Creditor provided documentation in response to the matters alleged.  A letter with the provided documentation (Account Summary and signed ***************** Responsibility Agreement) has been attached hereto.  Additionally, a copy of the letter and documentation has been placed in the mail to the last known address for the complainant.  If the complainant has any questions, please contact our office at ************, option 1.

  Customer Answer

  Date: 07/10/2024

   
  Complaint: 21965441
  
  I am rejecting this response because:
  Their evidence further shows that I never agreed to pay their company and I do not owe any money at all to S&S Recovery. They need to remove their account from all of my credit reports. I do not have any contracts with them whatsoever. 

  Sincerely,
  
  ***********************

  Business Response

  Date: 07/10/2024

  Please see the signed Financial Agreement between the consumer/complainant and the Creditor, ************************** 

  Business Response

  Date: 07/10/2024

  Please see the attached signed Financial Agreement.

  Customer Answer

  Date: 07/10/2024

   
  Complaint: 21965441
  
  I am rejecting this response because:

  SS Recovery sent me a contract from *************************. AS I SAID, I NEVER AGREED TO PAY ANYTHING TO SS RECOVERY AND I DO NOT HAVE A CONTRACT AGREEING TO PAY SS RECOVERY therefore they need to take their company and false debt claim off of my credit reports. If I have to report them to CFPB I will. 
  
  Sincerely,
  
  ***********************

  Business Response

  Date: 07/11/2024

  S & S Recovery, **** has previously provided signed documentation between the complainant and the Creditor. We regret that the complainant is not satisfied with the response and documentation provided. 

  Customer Answer

  Date: 07/13/2024

   
  Complaint: 21965441
  
  I am rejecting this response because: I have no business arrangements or contracts agreeing to pay SS Recovery any money whatsoever and they need to stop using my name and social to report info on my credit reports. 
  
  Sincerely,
  
  ***********************

  Business Response

  Date: 07/15/2024

  S & S Recovery, **** has previously provided signed documentation between the complainant and the Creditor.  We regret that the complainant is not satisfied with the response and documentation provided.  

  Customer Answer

  Date: 07/24/2024

   
  Complaint: 21965441
  
  I am rejecting this response because:
  They have not made a logical response as of yet. 
  Sincerely,
  
  ***********************

  Business Response

  Date: 07/25/2024

  S & S Recovery, **** has previously provided signed documentation between the complainant and the Creditor.  We regret that the complainant is not satisfied with the response and documentation provided.