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:02/07/2025

  Type:Billing 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 and I do not have a contract with INNOVATIVE RECOVERY IN plus they did not provide me with the original application like I asked.Account No: 5214 Amount Disputed: $626

  Business Response

  Date: 02/07/2025

  We will send validation of debt including the application to the current address we have for you. We are collecting on behalf of **** on the Parkway, where you formerly resided. If this is a case of identity theft then please call one of our account specialists who can help you with next steps. We recognize that these issues are hard to deal with, we are here to help. Please contact our company at ************* and ask for an account specialist to see what options are available.

• Initial Complaint

  Date:02/03/2025

  Type:Billing 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.

  Bluffs Landing has been circulating a false debt against me for years. At first the false debt was sold to another collector, who has since, dropped it. I understand that Bluffs Landing has now sold the same false debt to this newer collector who has attached this false debt to my credit report. There is a new law that prohibits this type of Harassment.

  Business Response

  Date: 02/05/2025

  This account has been with us since 2022. According to the documents we were sent from ************** the move out date was 5/2/2022 and we entered the account for ******************** on 7/7/2022 to collect on their behalf. No other collections agency had this debt previously. We do not purchase debts. Documents have been sent out multiple times to validate this debt. If this debt does not belong to you please reach out to one of our representatives so they may help you with the Identity Theft process. We will also mail out an ID Theft letter to the current address we have on file with validation of debt and the steps needing to be taken in order for us to close this account as Fraud. We recognize that these issues are hard to deal with, we are here to help. Please contact our company at ************* and ask for an account specialist to see what options are available.

  Customer Answer

  Date: 02/05/2025

  The previous debt collectors was the ************* Services. I had previously filed a complaint against them with BBB. After that, they evidently dropped the claim against me because of the new laws.  This new debt collector bought this claim from the property owner, sometime after the debt collectors law was put in place. The letter attached should have 3 pages. Please let me know if you have received them all.

  i also submitted a review with *** about the first debt collector. You may still have it in your files.

  Thank you

• Initial Complaint

  Date:01/22/2025

  Type:Billing 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.

  Im not liable for this debt with Innovative Recovery Inc. I do not have a contact with Innovative Recovery Inc. They did not provide me the original contract as requested.

  Customer Answer

  Date: 01/24/2025

  Good morning,

  attached is innovative recovery inc website.  I created a login and it shows zero balance and no information on debt they state.  They also emailed me a link and it says unavailable when I try to click link.  They are reporting to my credit bureaus a balance I do not recognize.  Please delete thank you. 

  Customer Answer

  Date: 01/27/2025

  Good morning,
  
  attached is innovative recovery inc website.  I created a login and it shows zero balance and no information on debt they state.  They also emailed me a link and it says unavailable when I try to click link.  They are reporting to my credit bureaus a balance I do not recognize.  Please delete thank you. 

  Business Response

  Date: 01/28/2025

  A letter was sent to you on 9/6/2023 with proof of owed debt. We can send you another letter at the current address we have for you on file. We recognize that these issues are hard to deal with, we are here to help. Please contact our company at ************* and ask for an account specialist to see what options are available.

• Initial Complaint

  Date:01/03/2025

  Type:Billing 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.

  Innovative Recovery Debt collection company has shady practices. This debt was investigated and proven to not be my debt. The debt was removed. In 2024, the company added the debt back on my credit report without providing additional information. I have requested the purchase agreement and validation of this debt and received nothing. But they are negatively impacting my credit worthiness. I have also filed a complaint with the ****.

  Business Response

  Date: 01/27/2025

  Good afternoon ****** *****, 
  This item is still showing as an active account (******) in our system. We sent a letter to you on 01/15/2025 to your current address (same state and Zip as provided in this complaint) with all the details for your 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.

  If this is Fraud please contact our office to provide additional information.

   

• Initial Complaint

  Date:11/13/2024

  Type:Billing 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 with this debt with APARTMENT ALLUSION AT ***************. I don't have a contract with Innovative Recovery, they didn't provide me with the original contract as requested

  Customer Answer

  Date: 11/14/2024

  They email I got from them. 

  Business Response

  Date: 11/29/2024

  Good afternoon Mahna ******, 
  This item is still showing as an active account (******) in our system. We sent a letter to you on 11/15/2024 to your current address (same address provided in this complaint) with all the details for your 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 Answer

  Date: 12/11/2024

  I never ever lived in that location and there might be similarity in names. In my country we have similar names, espcially the last name. You have at least ******* people who share the same last name. This is very normal, and we have many people from my country who live here in ******** 
  
  

  Customer Answer

  Date: 12/19/2024

  I have never lived at the listed address, and I do not recognize it. In my country, many individuals share similar names due to a limited number of last names across a few tribes. Specifically, at least one million people share my last name, and over ten thousand share my first name. This is likely a case of mistaken identity.
  
  
  

  Business Response

  Date: 01/27/2025

  Good afternoon Mahna ******, 
  This item is still showing as an active account (******) in our system. We sent a letter to you on 11/15/2024 to your current address (same address provided in this complaint) with all the details for your account. 
  

  We have verified the information with the client and are providing this information to the Credit Bureaus. If this is a case of mistaken identity/fraud please contact our office as we will need additional information to to release.

  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 Answer

  Date: 01/27/2025

  I am rejecting this response because, as I stated before, I have never lived at the address in question, and my current address has been my only address since moving to *******. I would like to point out once again that, in my country, we use a first name and a tribe name. The tribe name is shared by ******* to ********* people, and among them, many share the same first name. Additionally, many people from my country come to the **** for education or medical treatment. It is possible that a similar name may have caused this confusion.
  I request a proper review of this matter, as the information provided does not pertain to me.
  

  Business Response

  Date: 01/28/2025

  We can send a letter with the application along with the signed lease and ledger. If this is not you, you will need to claim ID Theft as we cannot close an account for fraud just with a dispute. If you need help with this, one of our account specialists would love to assist. We recognize that these issues are hard to deal with, we are here to help. Please contact our company at ************* and ask for an account specialist to see what options are available.

  Customer Answer

  Date: 01/28/2025

  I am rejecting this response because:   
  I would like to clarify that I am not claiming identity theft. Instead, I believe this is a case of mistaken identity due to the similarity of names. In my country, it is common for many individuals to share the same tribal or family names, along with first names, which can lead to confusion.
  I have never lived at the address associated with this lease, nor have I signed any agreement with your company.

• Initial Complaint

  Date:11/10/2024

  Type:Billing 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 innovative recovery inc. I don't have a contract with innovative recovery inc, they did not provide me with the original contract as I requested

  Customer Answer

  Date: 11/14/2024

   Attached is a letter of termination I wrote to *************** before going for boot camp. while in boot camp for 10 week I don't know what transpired. NO notification of what I did wrong I just saw but a collection on my credit score account upon getting from boot camp. I do not know innovative Recovery inc neither do have a contract with them. westdale should communicate with me directly and let me know why they think I should pay anything to them. Westdale pointe still owe my security deposit of $400

  Business Response

  Date: 11/29/2024

  Good afternoon Mr. ******** *****,

  This account was closed as Paid In Full on 11/25/2024.

  Credit Bureaus 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

  Date:10/01/2024

  Type:Billing 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 Innovative Recovery Inc, I do not have a contract with Innovative Recovery Inc, they did not provide me with the original contract as I requested.

  Customer Answer

  Date: 11/12/2024

  I reached an agreement with Innovative Recovery that if I pay $1,333.00, the collection would be deleted off my credit report. I have made the payment, so I demand this account be removed from my credit report.

  
  

  Business Response

  Date: 11/13/2024

  Good afternoon Joelta Seneh, 
  Thank you for contacting us. We apologize for the inconvenience or frustration caused by the problem. 

  This account ******** was closed as Settled In Full on 11/11/2024.
  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

  Date:10/01/2024

  Type:Billing 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 moved out of Wallis and ***** Apartments on October 15, 2023, and the complex failed to provide an itemized list of deductions and damages from the security deposit within the legally mandated timeframe. Despite their legal obligation to contact me within 30 days of move out, I did not receive an itemized bill until January 2024, well beyond the 30-day limit. This delay violates Texas law, which makes the debt they are claiming invalid.They also reported this almost an entire year later to Innovative Recovery whom I have contacted to have this erroneous debt removed from my credit report and they have also failed to do so.

  Business Response

  Date: 10/01/2024

  Good afternoon Ms. *************** item is still showing as an active account in our system. We sent a letter to you on 09/13/2024 to your email address (********************************) with all the details for this account. Unfortunately, since we received a letter from you Ms. ****** requesting cease all collections activities from us; we have been unable to contact you 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 Answer

  Date: 10/01/2024

  I am rejecting this response because:   

  For one, this debt is not valid. My mother and I took great care to thoroughly clean the apartment upon our departure and no satisfactory evidence has been provided to validate the charges being claimed, I was only sent an itemized bill with no proof of damages. Furthermore, it was illegally sent to collections on behalf of *************************** who did not follow Texas state law and DID NOT provide any itemized bill until January of 2024. This is over 90 days after we moved out of the apartment, and you did not contact me until after you sent this to collections before contacting me to pay it. You then back tracked and reached out to me (almost an entire year later, might I add) to which I told you what I am saying now. I informed you this was not valid and the steps I would take should you not remove the erroneous reporting.

  Thus, this debt is invalid and I continue to dispute. If negative reporting to credit bureaus is not removed I will continue this in small claims court as it is affecting my credit score. 

  Business Response

  Date: 10/01/2024

  Good afternoon Ms. ********** style="font-family: Arial, Helvetica, sans-serif; font-size: 16px;">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. 

  Customer Answer

  Date: 10/01/2024

  I am rejecting this response because:   

  I will not be paying this, it is an invalid debt. I again continue to dispute this debt in full. You may have an account open for it but I am informing you it is invalid not to mention illegal. The debt was rendered invalid the day it went over 30 days to notice my mother and I as tenants under Texas state law, there is no way around that. This being an invalid debt should NEVER have gone to credit reporting agencies especially before you reached out to me prior (which you did not do! Only after I disputed this with credit bureaus did you attempt to collect the debt).

  Thus I stand firm with the fact of if the erroneous reporting is not removed I will be seeing both the apartment complex as well as you as the collection agency in court for not doing a thorough investigation to validate the charges being claimed by ****** and *****. You got an itemized bill and decided oh yep that is valid! When in fact, in more ways than one, it is not. 

• Initial Complaint

  Date:09/19/2024

  Type:Billing 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 never made contract with this company never send me verification the *** this ***t is results identity theft I need remover immediately from my credit report 1. Attempting to collect on a ***t in a location where I do not reside pursuant to 15 USC 1692b 2. Failure to give prior consent for attempting to communicate pursuant to 15 U.S. Code 1692 3. Failure to provide notice of consent on initial communication pursuant 15 U.S Code 1692 (k)4. The use of language meant to harass such as your account may be credit reported 15 U.S.C Code 1692(d)(2)5. All this caused me mental anguish and stress so I'm seeking damages pursuant to 15 USC code 1692(k)

  Business Response

  Date: 09/23/2024

  Good morning *** *****,
  

  Please contact our office at ************ and ask for a collections specialist to review your account. We are unable to send any letter out since you did not provide any physical mailing address.

  Also, we did check all our system/records and we did not find any account for ***** ********. If you are able to provide more information about your account that will be very helpful for us to find out and make a decision about your complaint.  

  
  

• Initial Complaint

  Date:07/25/2024

  Type:Billing 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 APARTMENT THE ******** ******, I do not have a contract with INNOVATIVE RECOVERY, they did not provide me with the original contract as requested.

  Customer Answer

  Date: 07/25/2024

  I have previously sent letter disputing information on credit report by Innovative Recovery as seen the attachments and have received any response. This is in violation of **** by not validating the debt reporting on my credit report. I'm here to remove the information by Innovative Recovery on my credit report.   

  Business Response

  Date: 07/31/2024

  Good afternoon Mr. *********

  After reviewing your account, we noticed that this item (******) is still active in our records.

  We have sent several letters to Mr. ******** our last letter was sent on 07/30/2024 to his current address with all the details for his account. Mailing address provided also in this complaint (*************************************)
  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 Answer

  Date: 08/05/2024

  I am rejecting this response because:   failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately or showing that I have (or ever had) some contractual obligation to pay Innovative Recovery. This a failure in providing validation of this account. Also, Failure to respond within 30 days of receipt of the certified letter sent to Innovative Recovery on 3/19/2024 ***** Tracking No.9589 0710 5270 0758 0323 29) as evidence shown on the attachment provided.   

  I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the ************************************ and the ************************* should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company.
  

  Please Note: This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. Be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below: CC: ************************************ CC: Attorney Generals Office CC: Better Business Bureau  

  Business Response

  Date: 08/06/2024

  Good afternoon Mr. ****************** reviewing your account, we noticed that this item (******) is still active in our records.
  We have sent several letters to Mr. ******** our last letter was sent on 07/30/2024 to his current address with all the details for his account. Mailing address provided also in this complaint (*************************************)
  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 Answer

  Date: 08/06/2024

  I am rejecting this response because:  Again, failed to respond accordingly or provided me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately or showing that I have (or ever had) some contractual obligation to pay Innovative Recovery.