Clear Recovery, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
01/24/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NE 68123	Web	Servicemember
This debit is medical, at the time of the procedure I provided the XXXX authorization for the procedure at the hospital, all other bills were run through the XXXX but " XXXX XXXX '' who flat out refuse to bill the XXXX despite multiple contacts from myself AND the XXXX explaining that all they have to do is BILL the XXXX with the provided information. The first contact was much earlier but I talked to the biller ( Radiology Consultants ) around XXXX about the incorrect billing situation, and they claimed they would fix the error. In XXXX I began receiving calls from Clear Recovery 2-3x a week and they refused to send me anything in writing on how they received the debt and there was no notice from the biller that the debt was not paid when billed. Upon consulting the XXXX on XX/XX/XXXX it was discovered the biller had yet to bill the XXXX with the information provided. They sent the debt into collections without billing properly. Myself and the XXXX billing department called Clear Recovery and provided them information to bill CORRECTLY. They were also told at the time the XXXX is responsible for the bill and to stop calling me IMMEDIATELY. I also told clear recovery this in my earlier in the day phone call with them. The XXXX spoke to a XXXX who said the it would be billed correctly right away. On XX/XX/XXXX the XXXX tried to follow up with Clear recovery, but there was no answer. Starting in XX/XX/XXXX Clear Recovery started calling me again, and again I told them I had no outstanding balances, and they would need to mail me anything regarding any debts owed as only USPS mail ( not over the pone due to scams ) would prove a debt. They refused and said they had sent me something. They called from multiple numbers several times a day leaving voice mails. On about XX/XX/XXXX I revived a " statement '' from Clear Recovery and sure enough it is the SAME bill that both the VA and I have called on and told them the VA has not been billed and I can not /will not be paying it as I am not the responsible party. The VA again called them, and the biller, and provided the correct billing information XXXX at XXXX XXXX said they would run the information to get the bill paid, however a this time, it still has not been run. This company will not stop harassing me for a company that refuses to bill the responsible party, even when the other hospital resources have been paid. ( All phone calls are recorded by me as Nebraska is a single party consent state and requires no permission, and can be provided on request, some lasted hours and can not be uploaded )
08/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76248	Web
Clear Recovery , IncXXXX ( hereafter CLEAR ) is a collection company representing XXXX XXXX XXXX ( XXXX ) located in XXXX XXXX, Texas. CLEAR first phoned me a couple of months ago and alleged that I owe a debt to XXXX. I told them I have no credit account with XXXX, nor have I ever purchased anything from XXXX on credit and demanded that they immediately provide me proof of debt. A receipt was sent to me from CLEAR that included a sales receipt from XXXX. This unsigned sales ticket reflected an alleged digital camera being shipped to me in XX/XX/XXXX and showed XXXX dollars ( {$0.00} ) being paid or due, as a result of a store credit I had on record. Although I did order a digital camera from XXXX, utilizing a store credit I was given, from a previous warranty claim for defective furniture I purchased for cash, the camera was never received by me. Assuming I did receive a digital camera for a store credit owed to me for approximately {$920.00}, I owe nothing to XXXX, as this was a store credit and not a credit transaction. However, notwithstanding the fact I did not receive the digital camera on a store credit, I am the actual person due monies from XXXX and not the other way around. The facts and evidence provided by CLEAR and XXXX are as follows : 1. No credit transaction ever occurred between XXXX and myself. 2. No credit application, credit account or invoices due exist in writing. 3. Evidence from CLEAR shows no signature and/or promise to pay any monies, and furthermore shows a XXXX balance was due at the time of the ordered merchandise. Therefore, even had I received the merchandise equal to the store credit, no credit instrument was issued, agreed to and/or is due. On XX/XX/XXXX, I received yet another telephone call from CLEAR. I informed them that I received their Proof of Debt and it was nothing but an unsigned sales receipt showing a XXXX balance owed for merchandise I never received, using a store credit still due me. Moreover, I asked when I might expect payment for my store credit that is owed to me. The representative stated, You got the proof and you know you owe us money!. I told her I would take this matter to court to collect the monies owed me.
03/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NM 88012	Web
On XX/XX/XXXX, I purchased furniture from XXXXXXXX XXXX XXXXXXXX online. They charged my Credit Card through XXXXXXXX XXXX My furniture was delivered. Several strange transactions happened during the week of XX/XX/XXXX, the company would charge my account and then take the charge off. I was very confused about what was happening. However, since I had my furniture and was very busy with work I moved on. In XXXX of XXXX, I was contacted by XXXXXXXX XXXX XXXXXXXX. They said that during an audit they made a mistake and I was undercharged. I told them that was between them and my XXXX Credit Card Company. I contacted XXXX and was informed that XXXXXXXX XXXX XXXXXXXX had 120 days from the date of purchase to report any errors. I am in good standing with XXXX and the rest of my credit. XXXXXXXX XXXX XXXXXXXX sent their problem to a collections agency, Clear Recovery. Clear Recovery sent me a letter demanding the money. I told them no, that XXXXXXXX XXXX XXXXXXXX is responsible for the error and they use this as a learning tool. Clear Recovery requested a screenshot of my Credit Card transactions from XX/XX/XXXX. I told them no way and that if XXXXXXXX XXXX needs a screenshot of my Credit Card on the transactions that were completed on XX/XX/XXXX, they have an accounting problem. I did offer to give them the XXXX reference numbers of the transactions but neither XXXXXXXX XXXX nor Clear Recovery wanted those. I am sure that since the 120 maximum days to report errors to XXXX have expired that this would not matter. I do not use XXXXXXXX XXXX XXXXXXXX for credit accounts nor will use them to purchase furniture ever again. Please give me relief from XXXXXXXX XXXX and Clear Recovery so can move on with my life.
10/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 95355	Web
On Saturday XX/XX/XXXX I purchased a sofa from XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, CA XXXX for the amount of {$760.00}. It should be noted that XXXX XXXX XXXX is owned/operated by XXXX XXXX, XXXX. When I purchased the sofa the sales associate charged the purchase to my personal XXXX XXXX Visa credit card and the sofa was later delivered to my house. I did not open an account with XXXX and I did not finance this sofa. The sofa was paid in full on my own XXXX XXXX Visa credit card on an account I have had for years. I have the signed credit card receipt as well as a bank statement showing I was charged and completely paid for this sofa. A year and eight months later on Monday, XX/XX/XXXX, I received a notice in the mail dated XX/XX/XXXX from a " collections agency '' stating that I owe Stoneledge Furniture {$760.00}. This collections agency is Merchants Credit Adjusters , Inc. located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In the course of a year and eight months I was never contact by the XXXX XXXX XXXX in XXXX nor XXXX XXXX XXXX. If they had contacted me I would have provided documents demonstrating that the sofa was paid in full. I believe this is fraud on the part of either XXXX XXXX, XXXX XXXX, or Merchants Credit Adjusters to have me pay twice for an item that was already previously charged to my credit card and already paid in full. I argue that somewhere along the line either through an employee at the XXXX XXXX XXXX XXXX or at Merchants Credit Adjusters , Inc that my information was falsely used and they are trying to defraud me for an extra {$760.00}.
05/10/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NE 68135	Web
I receive 3-4 calls a day on my cell phone from an anonymous caller, only labeled as XXXX NE. 9 out of 10 times that I answer, I hear 10 seconds worth of clicking/beeps then the call hangs up. Several weeks ago an individual said hello, asked for XXXX XXXX and stated they were with Merchants Credit Adjusters and then demanded my social security number. I refused and asked what they were calling for and she again demanded my social security number. I informed her to not call me cell phone again and hung up. My phone rang within 2 minutes from the CID XXXX NE, I did not answer. They continued to call harassing me every day. Today, XX/XX/18, I answered and after 10 seconds of clicks/beeps a woman identified herself and asked to confirm my name and address. I answered, she stated she was calling from Merchant Credit Adjusters regarding {$21000.00} in medical bills. I have never had more then a typical doctors visit. She stated there were two debts, one to Nebraska for furniture stuff?? And one to XXXX for a car?? I asked her how furniture and a car are medical debts? She rudely asked how I was going to pay today! I asked her to send me something in writing because she was not clear on what she was collecting on. She again rudely and abruptly shouted we have, you need to pay your bill. I asked if she was calling my cell phone using an automated dialer as that is a violation of the TCPA. She states they were allowed to use an automated dialer and again to pay my bill. I again told her not to call my cell phone.
01/26/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NE 685XX	Web
On XX/XX/2021 on or around XXXX XXXX CST I was called by woman who when asked who was calling gave her ( alleged ) first name only even though the Caller ID shows " Merchants Crdt ''. I told them to stop calling this phone number. On XX/XX/2021 on or around XXXX XXXX CST I was again called by " Merchants Crdt '' I repeatedly told them they were violating the law or laws by contacting me again after being instructed not to call me. The man continued to talk over me and say they were allowed to call all they want ( which is not true ) and that they would continue to call me. I repeatedly told them to stop calling me only to be ignored a second time. The person on the other end of the phone kept trying to get personally identifying information out of me even though I repeatedly told them I had already told them to stop calling and they need to stop calling he kept talking over me and I repeatedly told them to stop calling AGAIN. Debt collectors are supposed to stop calling when a person tells them to stop calling, not keep calling!!!
10/31/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94534	Web
On XX/XX/XXXX, XXXX XXXX Store delivered and set up a youth bedroom set that was damaged at the time of delivery, I attempted to get the furniture replaced by notifying the delivery driver, emailing the XXXX XXXX Logistics person, and going in-person to the local XXXX XXXX store all on XX/XX/XXXX the date of the delivery. Despite my efforts to have the furniture replace and then later my request to have a full refund, XXXX XXXX Store was non-responsive. I disputed the charges via Visa and they returned my money after an investigation which XXXX XXXX challenged and lost. I even paid to have an independent furniture person come and assess the damage and provide a write up of their assessment on XX/XX/XXXX. I believe the original amount was {$2100.00}. Then later on XX/XX/XXXX, XXXX XXXX Store refunded me {$600.00} ( $ XXXX {$58.00} ) and released me from liability for the dresser. I have included all of my attempts to resolve this matter unsuccessfully with XXXX XXXX Store.
01/23/2018	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	NY 11368	Web	Servicemember
Received call from Merchants Credit Adjusters on XXXX XXXX on XX/XX/XXXX. Caller identified himself as " XXXX '' and asked for verification of the address of record, which I verified. XXXX ' tone was overly aggressive and condescending, even after I mentioned that I had set up a recurring payment via my bank to satisfy the debt. XXXX stated that I told a another representative on a previous call that I was unemployed. During the initial call I had some technical problems looking up the information on my account, meanwhile XXXX was continually condescending. After finally locating the info, I discovered that in fact recurring payments have been setup for the XXXX of each month culminating to the total balance. In fact, the first payment was made on XX/XX/XXXX, prior to receiving this call. Upon calling back Merchants, the 2nd representative refused to identify herself and told me that the Supervisor would call me back. I have not received a call back as of this writing.
04/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85224	Web
I am receiving repeated phone calls weekly by the debt collection company stating that I owe money on the furniture I purchased roughly two years ago. I have explained to the debt collector that most of my furniture was paid in cash and some of it was financed on the credit card the furniture store had issued. we have sent the statements reflecting the payoff of the credit card. the debt collector in return sent me a itemized list of the furniture but fails to show any proof of what exactly is that we owe money for? I have paid of the credit card the furniture was purchased from and why am I being reached out by a collection ageny after two years of the purchase? why did XXXX XXXX not contact us in the past two years? I am 100 % certain my debt if paid in full and if its not I will like the debt collector and XXXX XXXX to provide proof of what exactly it is that I owe the money for. not just a phone call stating I Owe money but not knowing what for.
02/09/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NE 681XX	Web
I had a medical bill at a collection agency and it was transferred to Clear Recovery. They did notify me of this transfer and I received one bill from them then two weeks later I began receiving letters from lawyers saying that I was being sued for that medical bill but I never received notification of the suit. I tired to access my account to make a payment and I can not even access it. I received an undated bill from Clear Recovery for my XXXX XXXX XXXX service date XX/XX/XXXX of {$740.00} in late XX/XX/XXXX. Then a few days ago ( XX/XX/XXXX ) I received letters from lawyers about supporting me in the suit. As of today ( XX/XX/XXXX ) I still can not access my account or received notification of the suit. I have had a bad experience previously with Merchant Credit Adjusters which is the company Clear Recovery is apart of. They harassed me with repeated aggressive phone calls with threats and refusing to work with me on setting up payments.
08/12/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 76063	Web
XX/XX/2020 To whom it may concern : I would like to file a complaint against a collection agency by the name of Clear Recovery Inc. This collection agency has been harassing me by calling my telephone and leaving voicemails. They claim to be a debt collector, and I have no other information as to why they continually call my phone. I have no dealings with this collection agency, they have never contacted me about verifying any debt, yet they continue to call. I dont owe Clear Recovery Inc. anything, and I want them to cease and desist from contacting me. And if they have placed any derogatory information on my credit files, I want it removed, and I would like hard copy proof, that, that has been done. Clear Recovery Inc. can contact the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau, can contact me.
08/28/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MA 024XX	Web
I used XXXX XXXX XXXX for medical care. They sent me a bill, and I later paid the bill on their website ( very promptly ). XX/XX/XXXX of this year. Later XXXX XXXX XXXX referred my debt to a debt collector, XXXX XXXX ( even though I had already paid XXXX XXXX XXXX. XXXX XXXX 2017 I contacted XXXX XXXX XXXX and they assured me that the debt had been cleared ( XXXX XXXX 2017 ) XXXX XXXX have continue to contact me, and harass me with phone calls for months regarding a debt I never had, asking for payment. I 've tried to reconcile this again with XXXX XXXX XXXX. I 've found this very stressful because I 've always paid my bills, and I never should have been referred to a debt collector. I 'm worried how this affects my credit rating.
09/01/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CO 807XX	Web
XXXX XXXX XXXX sent me a bill that generated on XX/XX/XXXX and I received said bill on XX/XX/. The bill was due dated XX/XX/XXXX and when trying to make a payment they said they sent my bill to collections. I was up to date on said bill by paying {$670.00}. When talking to the collection agency they said they would not sell my bill back to XXXX and I had not received a letter or phone call stating they had my debt. I was also never given information on what my debt was. I was also told the collection agency had already charged me XXXX dollars in interest before even knowing about my bill going to collections. The collections agency is XXXX XXXX out of XXXX, Nebraska.
03/11/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TN 37072	Web
This originally started the first time I spoke with the company. Their representative was extremely aggressive when I told him I wouldnt give him my information over the phone because I hadnt received anything in writing. They have since called me numerous times a day, multiple times A MINUTE. I have had to get my number changed because of the number of times my phone was ringing while I was at work. For example, on XX/XX/XXXX they called at XXXX, XXXX, again at XXXX, XXXX, XXXX, then four times at XXXX. This pattern of harassment has been getting worse for weeks now but this is definitely as bad as it has gotten I finally just changed my number.
03/19/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NE 68106	Web
Merchants Credit Adjusters Inc Address : XXXX XXXX XXXX XXXX, XXXX, NE XXXX Phone : ( XXXX ) XXXX This company has been calling me after sending multiple notices to them to send debt validation. MCA has told me that they do not and will not send this information. We do not have any known account numbers with them. We do not have any knowledge of any outstanding debt. They are still calling even after sending multiple notices via Fax, Email and USPS. Letters sent by Us 1st Notice XX/XX/XXXX 2nd Notice XX/XX/XXXX 3rd Notice XX/XX/XXXX
04/25/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	VA 22191	Web
I filed and completed a chapter XXXX bankruptcy and liste d Merchant Credit Adjusters Inc. as a creditor. Merchant Credit failed make claim during the bankruptc y. Once the creditors were notified that the bankruptcy wa s discharged Merchant Creditors files a claim of garnishment, violating my rights under the bankruptcy laws. This is not a collectable debt. Bankruptcy Case No : XXXX Merchant Credit Adjusters Lawsuit {$510.00} Case XXXX XXXX XXXX
05/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NE 68127	Web	Servicemember
I have been contacted several times by Clear Recovery. I have asked them four times to please send me information through the mail of all that they are saying that I owe them. I have been finding that some of my accounts are not correct ( they have either been paid or weren't even mine ). I was told to go online to find out. I have been refused each time for something to be sent in the mail to me with what I owe and why I owe it.
09/11/2015	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	NE 68104	Web	Older American
I have XXXX insurance. I have XXXX. did not pay the bill until a questionnaire was answered. Instead of waiting for questionnaire to be answered. Turned the bill over t a collection agency.
10/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN 55318	Web
I received a default notice from Clear Recovery claiming that I owe {$390.00} to the creditor XXXX XXXX. I have no idea what this about. I googled XXXX XXXX and that name is not exist
02/06/2024	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NE 685XX	Web

08/26/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IA 51521	Web

08/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NE 68046	Web

06/27/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NE 68601	Phone	Older American

06/06/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MO 64118	Web

05/11/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MO 64134	Web

11/16/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NE 68520	Web

08/26/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NE 68405	Web

11/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AR 72204	Web

10/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 23323	Web

10/06/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NE 68123	Web

05/06/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IA 51537	Web

02/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75068	Web

01/15/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NV 89108	Web

07/22/2019	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	SD 57108	Web

12/14/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	NE 68112	Web

10/04/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	NE 68164	Web

07/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NE 68154	Web

03/23/2017	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	MO 64119	Web	Servicemember

11/28/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 92646	Web

02/23/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NE 68104	Web

11/06/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	KS 64118	Web

10/26/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	IA 52353	Web

09/18/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	NE 00000	Web

08/12/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NE 68104	Web

06/30/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	MO 64158	Web

06/27/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NE 68136	Web	Servicemember

05/15/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NE 68122	Web	Older American

04/12/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NE 68108	Web

03/30/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MO 64055	Web	Servicemember

03/27/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NE 68110	Web

03/19/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NE 68147	Web

02/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MT 59404	Referral

01/01/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	NE 68111	Web

12/28/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NE 68104	Web

12/11/2013	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MO 63106	Referral

11/23/2013	No	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NE 68104	Web

11/21/2013	No	Debt collection Medical	Communication tactics Frequent or repeated calls	NE 68130	Phone	Older American