ComplaintsforInnovative Recovery, Inc.

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Initial Complaint
06/14/2024
Complaint Type:
Billing Issues
Status:
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.
Innovative Recovery Inc. has placed over 7k in debt on my credit. This is a debt I DO NOT owe. I have never nor will I ever be in business with them. They did not send any information validating that this was my debt. They just put it on my credit with zero heads up. This doesnt even list what the account is exactly from. I do not owe this debt and it needs to be removed from my credit asap. I have never taken out credit from innovative recovery inc.
Business response
06/14/2024
Good morning *************************,
Thank you for contacting us. We apologize for the inconvenience or frustration caused by the problem.
Your account (#******* is still showing as an open account in our records.
Please feel free to contact our office at ************ and ask for a collections specialist to review your account.
In the meantime, Innovative recovery will send out a letter with additional information about your account to your current email address - ************************ provided with your complaint.
Thank you for your patience.
Initial Complaint
03/11/2024
Complaint Type:
Billing Issues
Status:
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.
I am not liable for this debt with Apartment ******************, I do not have a contract with Innovative Recovery, **** they did not provide me with the original contract as requested
Customer response
03/20/2024
I personally never signed a contract with innovative recovery I do not believe their information is correct, or that they legally obtained my information in the proper steps so Id like this ********************** removed from my credit report as I do not have a contract with innovative recovery
Business response
04/09/2024
Good morning *******************************,
Thank you for contacting us. We apologize for the inconvenience or frustration caused by the problem.
The account (#******* with us is still open. Please feel free to contact our office at ************ and ask for a collections specialist to review your account.
In the meantime, Innovative recovery will send out a letter with additional information about your account to your current email address - ***************** - provided with your complaint.
Thank you for your patience.
Initial Complaint
03/03/2024
Complaint Type:
Customer Service Issues
Status:
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.
Ive been request a statement of fact letter. One to show the amount I owe and what they will do once paid this company and their rude and completely unprofessional attitudes are preventing me from doing so. They are sending items to an address I havent lived at I. Almost 5 years no doubt to establish my at another location. They seven suggested I come into their office. Not sure when debt collectors stopped providing letters of agreement to collect a debt.
Business response
03/04/2024
Good morning ****************,
Thank you for contacting us. We apologize for the inconvenience or frustration caused by the problem.
The account with us is still open. Please feel free to contact our office at ************ and ask for a collections specialist to review your account.
In the meantime, Innovative recovery will send out a letter with additional information about your account to your current email address - ********************** - provided with his complaint.
Also, for your information once any active account is closed as settle in full or paid in full: ***************** takes 30 to 90 days to process deletions.
Thank you for your patience.
Customer response
03/07/2024
I am rejecting this response because: Part of my request is for a letter that includes an explanation of what Innovate Recovery Solutions will do once the debt is paid. This letter explains information I already know.
Business response
03/08/2024
This item is still active. We emailed a soda letter to ****************************** on 03/04/2024 to her email address - ************************ with all the details for her account (see the attached letter).
Please feel free to contact Innovative Recovery at ************. Our specialists will be glad to help you if you have any questions or concerns about this matter.
Initial Complaint
12/22/2023
Complaint Type:
Billing Issues
Status:
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.
Innovative Recovery, *** is a scam. I sent Innovative Recovery, *** a Debt Validation Letter December 1, 2022 after receiving a letter from Innovative Recovery, *** a few days after November 16, 2022. I never received a Debt Validation Letter from them. Keep in mind all collections supposed to be ceased once they received my Debt Validation Letter. I have proof I sent the Debt Validation Letter and I made sure I got a returned receipt. Here we are in December 21, 2023, Innovative Recovery, *** is still reporting this debt that I ask proof for and never received on my Equifax and TransUnion credit report but Innovative Recovery, *** is not on my Experian credit report. Enough is enough with this shady company. I do have clear grounds to file a civil action and collecting damages of $1,000 for violation of FDCPA 809(b) and/or FDCPA 805(c). I don't want hear lie after lie. Removed this from my Equifax and TransUnion credit report. My lawyer and State attorney General will be contacting Innovative Recovery, Inc.
Business response
12/26/2023
Good morning ********************,
This item is still showing as an active account in our system.
We sent a letter to ************************************* in 11/30/2022 to her current address with all the details for her account. Unfortunately, since we received a dispute from ******************** in 12/12/2022 (see the attached file), requesting cease and desist all collections activities from us; we have been unable to contact ******************** since then.
Please feel free to contact Innovative Recovery at ************. Our specialists will be glad to help you if you have any questions or concerns about this matter.
Customer response
12/27/2023
I am rejecting this response because: Innovative Recovery, *** failed to respond to my Debt Validation Letter and provide proper documentation which is a violation of my rights and the Fair Debt Collection Practices Act. I have no contract with Innovative Recovery, Inc. This need to be removed from my Equifax and TransUnion credit report.
Business response
12/27/2023
Good morning ********************,
Thank you for contacting us again. We apologize for the inconvenience or frustration caused by the problem.
The account with us is still open. Unfortunately, since we received a dispute from ******************** in 12/12/2022 (see the attached file), requesting cease and desist all collections activities from us; we have been unable to contact ******************** since then.
Please feel free to contact Innovative Recovery at ************. Our specialists will be glad to help you if you have any questions or concerns about this matter.
Customer response
12/27/2023
I am rejecting this response because: Innovative Recovery, *** legally did not respond to my Debt Validation Letter. Innovative Recovery, *** did not show me proof that this collection is mine. Innovative Recovery, *** has never sent me anything that I ask for in my Debt Validation Letter. For the record, Innovative Recovery, *** received my Debt Validation Letter December 9, 2022 not 12/12/2022. My Debt Validation Letter clearly said if Innovative Recovery, *** fails to reply to my Debt Validation Letter within 30 days of receipt all instances must be deleted and removed from my credit file and moreover all collections should be ceased.
Initial Complaint
11/11/2023
Complaint Type:
Billing Issues
Status:
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.
I am not liable for ******************* APARTMENTS, I do not have a contract with INNOVATIVE RECOVERY INC, They did not provide me with the original contract as I requested
Customer response
11/19/2023
My request to Innovation recovery to validate the account was done over the phone Nov10, They should have the recording I asked them to provide me with the payment history a contract sign by me to them, original creditor, and they did not provide me with any document validating the account, they told me over the phone they were going to send me those documents by email but I never got any email from them
Business response
11/29/2023
Good afternoon **********************,
In our records this account is still showing as an active. We sent a soda letter to ************************************* by mail ****** in 10/27/2023. Also, we emailed another soda letter to ********************** to his email address ******************************** in 11/13/2023 as he requested to our specialist by phone with all the details for his account.
Please feel free to contact Innovative Recovery at ************. Our specialists will be glad to help you if you have any questions or concerns about this matter.
Initial Complaint
11/09/2023
Complaint Type:
Order Issues
Status:
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.
I'm writing this complaint due to Innovative Recovery Inc Account # ******* alleged debt $400.00. ********************** Removed their trade line from Equifax and Experian but not from TransUnion. According to FCRA and FDPCA this is out of compliance. Also, a violation 15 U.S.C ****g, 15 U.S.C ****j, an 15 U.S.C ****c(c)(1)(2)(3). Remove the tradeline. According to 15 U.S.C ****n "Civil liabiity for willful noncompliance" I can seek up to $1,000.00 for each violation. Please remove it.
Business response
11/14/2023
Good afternoon Mrs. ***************** style="font-size: 0.875rem;">This item is still active in our system. We sent a soda letter to ***************** East in 06/19/2023 to her current address with all the details for her account. But since we received a cease and desist order from Mrs. ***** we have been unable to contact her since then.
Please feel free to contact Innovative Recovery at ************. Our specialists will be glad to help you if you have any questions or concerns about this matter.
Initial Complaint
10/11/2023
Complaint Type:
Billing Issues
Status:
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.
Received a notice from Innovative Recovery Inc stating they were trying to collect a debit from my previous landlord. ******** took us to court for a false eviction as lease was up in Feb. 2023. Left the property two days before lease completion. Court case was dismissed. I sent a Debit Validation Letter to the address provided by Innovative Recovery Inc, March 2023. Never received any written validation from the company in regards to the debit they are trying to collect. Company is stating they sent notices on 8/20/23 and 9/20/23 but no written notices have been received since March, 2023. I had to call the company on 9/27/23 to asks for an email to send the court order showing case had been dismissed.
Business response
10/11/2023
This item is still active. We are going to send a new soda letter to ********************************** address with all the details for her account.

Please feel free to contact Innovative Recovery at ************. Our specialists will be glad to help you if you have any questions or concerns about this matter.
Customer response
10/11/2023
I am rejecting this response because: No efforts were made by the company to validate any information within 30 days. No notices were received from the company, no response to email or phone calls.
Business response
10/11/2023
Good afternoon ******************************,
Thank you for contacting us again. We apologize for the inconvenience or frustration caused by the problem.
The account with us is still open. Your Eviction Closure attached is not a proof for us to close your account with us.
Please feel free to contact Innovative Recovery at ************. Our specialists will be glad to help you.
Customer response
10/11/2023
I am rejecting this response because: NO written validation was given, nor did i give permission for Innovative Recovery Inc, to purchase my debt. Innovative Recovery Inc. Is a 3rd party company. I received no notices, no calls, or anything from the company since requesting written Validation in March, 2023. Under the Fair Debt Collection Practices Act (FDCPA), a debt collector must respond to a request for a debt validation letter. Section 1006.34(b)(5) defines the validation period as the period starting on the date that a debt collector provides the validation information required by 1006.34(c) and ending 30 days after the consumer receives or is assumed to receive it.
I did not receive any written notice within the 30 Days after March, 2023. Company stated they sent notice on 8/20/23, that is more than 30 days after my request for validation. Because of Innovative Recovery Inc, My family and I have been living in a family shelter and have homeless. We are facing a hardship all because this company FAILED to provide validation of me giving permission to purchase this debt. I have provided court documentation that the case was dismissed because the case was false which they say is not valid proof to withdraw the debt, which is against the law because of the case dismissal. My lawyer will be contacting Innovative Recovery Inc.
Customer response
10/22/2023
Company is now claiming identity theft on my behalf. No written validation received. I have never received written validation but received a identity theft letter stating I informed them of identity theft.
I have emailed and mailed a copy requesting the balance be removed as soon as possible as it is false and no validation was given within 30 days. Request for validation was sent 3/15/23. As of 10/17/23 innovative recovery is claiming identity theft on my behalf which is just as illegal as purchasing my debt without permission.
Business response
11/03/2023
This account was closed a Settled In Full in 10/23/2023.
The ************* takes 30 to 90 days to process deletions.
Please feel free to contact Innovative Recovery at ************. Our specialists will be glad to help you.
Initial Complaint
09/29/2023
Complaint Type:
Billing Issues
Status:
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.
INNOVATIVE RECOVERY INC Account # ***************************** is falsely reporting on my credit. I have never had any accounts with them. Per my research INNOVATIVE RECOVERY INC is a debt collector. They are falsely reporting to my credit!Account #****** is falsely reporting to my credit file and are against my rights and fair credit act. Under 15 U.S. Code ****d - Disclosure of investigative consumer reports; you are in violation. I have attached the definition so you can see the violation! (a)Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless(1)it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure (A) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested I request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature with INNOVATIVE RECOVERY INC. Failing that, the items must be deleted from the report as soon as possible or be in violation of $1000. Under federal law, you have 30 days to complete your reinvestigation. Please have the creditor provide the validation documents to the BBB as well as certified mail to me . Its extremely important that the creditor provide the documents to BBB to ensure fairness and that they are not brushing me off. Thank you for your assistance.
Business response
10/09/2023
This item is still showing as an active account.
Please feel free to contact Innovative Recovery at ************. Our specialists will be glad to help you if you have any questions or concerns about this matter.
Customer response
10/09/2023
I am rejecting this response because: I want the proof I requested or delete the account from my credit report
Business response
10/11/2023
This item was already closed.
The ************* takes 30 to 90 days to process deletions.
Please feel free to contact Innovative Recovery at ************. Our specialists will be glad to help you.
Initial Complaint
09/11/2023
Complaint Type:
Billing Issues
Status:
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.
I am not liable for this debt with APARTMENT HIDDEN VALLEY, I do not have a contract with Innovative recovery In, they did not provide me with the original contract as I requested.
Customer response
09/11/2023
I talk to a representative on the phone
Business response
09/21/2023
We recvd your payment on 09/12/2023 we have reported to the credit bureaus this item as settled in Full.
Initial Complaint
08/15/2023
Complaint Type:
Billing Issues
Status:
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.
me(boning *** and my wife(*****************) paid off for ***, however our co-signer *************** received the letter from the collection company 5months later after we moved out we've reached out to IMT, they said they are investigating why ( and kept saying'investigating' for more than 2weeks)we've reached out to innnovative recovery, they said the credit been hit early this morning, that totally make no sense, plz see the attached files which presents we have paid off the bill when we moved out(Mar/2022)
Business response
08/16/2023
We have notified the property of your complaint. IR is waiting on a response.
The paperwork from the property does show the payment you made, but has additional debts listed.
Again we are working with the property to attempt to verify the information sent for collection is correct.

Customer response
08/16/2023
I am rejecting this response because:
if you say IMT provides you that theres additional debts listed, plz show
Customer response
08/16/2023
because I paid off the final statement
BBB, plz check the files I attached for this complaint
Both IR and IMT is not solving this problem, and the final statement has their signature, they can't just charge us as much as they want; or anytime they want
I've asked them multiple times for proof of what money we owe, but they haven't responded with any evidence
Customer response
08/16/2023
IMT has the credit report shows I paid my monthly bill on time
Business response
08/28/2023
Your account was paid in full. The account is now closed.
Customer response
09/05/2023
I am rejecting this response because:
because I paid off the final statement
BBB, plz check the files I attached for this complaint
Both IR and IMT is not solving this problem, and the final statement has their signature, they can't just charge us as much as they want; or anytime they want
I've asked them multiple times for proof of what money we owe, but they haven't responded with any evidence

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