| 10/16/2023 |
Yes |
- Debt collection
- Rental debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Elite Recovery Group, LLC has engaged in numerous violations of state and federal laws and regulations while attempting to collect an invalid debt from me ; this invalid debt has been reported to credit bureaus with an account number of XXXX and an initial amount of {$1600.00} under two different company names on two different credit reports ( see below ). These violations include : Using a name other than their true name when attempting to collect a debt : As noted above, on one credit report ( XXXX ) the invalid debt is reported as belonging to " Elite Collection Service '' ; however, this name was not an approved Assumed Business Name in the State of Oregon where I reside ( see attached documentation showing lapse of ABN registration in XXXX of XXXX ). They have continued to report this invalid debt under that name for at least the last year to XXXX, likely violating both FDCPA " true name '' regulations as well as Oregon statute ORS 648. The company has reported the invalid debt using their true name with another bureau ( XXXX ), apparently to deliberately create confusion as to who the alleged holder of the invalid debt is. As outlined in the following paragraphs, I believe they have done so to attempt to collect on the same invalid debt twice as two different companies and/or to obfuscate the fact that they have no legal right to attempt to collect said invalid debt.
Providing false information to a credit reporting bureau : On or about XX/XX/XXXX I attempted to electronically dispute this invalid debt with both XXXX and XXXX, who later claimed to have " verified '' the debt ; I have subsequently submitted a second dispute via certified mail to these bureaus that is still in process. In addition to providing the false information that an invalid debt was " verified '', I also noted that the furnisher provided information allowing XXXX to update the address for " Elite Collection Services '' from the initial XXXX XXXX XXXX on the report I obtained in XX/XX/XXXX to a street address ( XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ) and to added a phone number. The phone number matches the one given on the National Multistate Licensing System report for Elite Recovery Group, LLC ; however, the provided address does match the address for Elite Collection Services , LLC. which NMLS claims to be defunct since XXXX ( in fact, defunct since XXXX ; see below ). I have confirmed as of XX/XX/XXXX that this address is now occupied by a different business known as XXXX XXXX XXXX ( see attachments ) and has been so for several months. Therefore, it appears that the data furnisher that provided information to XXXX ( presumably Elite Recovery Group, LLC itself, based on the updated phone number ) appears to have provided deliberately misleading and false information regarding the holder of the debt, possibly to continue the ruse that Elite Collection Services , LLC is still ( or ever was ) a legitimate and operational debt collector.
Pursuing a debt they knew to be invalid : On XX/XX/XXXX, my ex-partner provided video evidence to an entity claiming to be " Elite Collection Services '' regarding the invalid nature of the alleged debt ( see attached statement ). When making payments the next day she reported to me her total balance of all accounts with the company had dropped from approximately {$2300.00} to {$0.00} ( see attached screenshots ) after paying them {$310.00} ; this final balance was so small their system refused to allow her to pay. She told me she believed the balance had been adjusted based on their review of the evidence and that the debt was thereby effectively settled as a result of their recognition of the debt being invalid.
However, Elite Recovery Group, LLC/ '' Elite Collection Services '' appears to have either erred in failing to report the ( still invalid ) debt as paid or ignored their duty to reinvestigate a disputed debt under the FDCPA and simply reported the invalid debt as in collections. I would also note the supposed amount of the invalid debt on the invoice provided to XXXX XXXX by " Elite Collection Services '' of {$1700.00} does not match the alleged initial amount on either credit report of {$1600.00} ; I question, given this discrepancy, how " Elite Collection Services '' could have " verified '' or " validated '' this invalid debt.
Pursuing a debt they have no legal right to pursue : As this invalid debt was originally reported to credit bureaus in XXXX of XXXX and Elite Collection Services , LLC was not incorporated as an LLC until XX/XX/XXXX of XXXX in the State of Washington ( see attached documentation ), they can not be the first collection agency to have reported the invalid debt. While the website for Elite Recovery Group, LLC claims they were " converted '' from " Elite Collection Services '' in XXXX, this is an untrue statement and one I believe that is deliberately misleading, intended to give the impression that debts obtained under a previous entity Elite Collections Group, LLC were legally transferred to Elite Recovery Group, LLC by this alleged " conversion '' ; however, no state records indicate that Elite Recovery Group was " converted '' from or legally connected to any previous entity in any way. In fact, Elite Collection Services , LLC, was not a valid business entity in its purported home state of Washington as of XXXX of XXXX due to voluntary dissolution by the owner, after which the company was never reinstated ( see attached documentation ). Instead, the sole member of the now-dissolved Elite Collection Services , LLC ( also, the apparent primary member/owner of Elite Recovery Group, LLC ) appears to have continued with normal business operations while dissolved, in violation of Washington law. To mask the fact he was operating illegally he appears to have intentionally failed to inform the State of Oregon that the Washington LLC was dissolved ; rather than properly incorporating as a domestic LLC in Oregon at any point, the owner used the said dissolved LLC 's now-invalid but still-extant foreign LLC registration in Oregon to fraudulently establish purportedly Oregon-based foreign LLC authorities in Washington and Nevada XXXX and to falsely claim to be Oregon-based to the NMLS system ( see documentation ; note in particular that the claimed formation date for the alleged Oregon-based version of Elite Collection Services , LLC in NMLS is XX/XX/XXXX XXXX which is in fact the date that the original Washington-based Elite Collection Services , LLC was granted authorization as a foreign LLC in Oregon ). He then used this fraudulent Washington foreign LLC registration to operate in Washington, all the while continuing to claim the now-dissolved Washington-based LLC was still valid to the State of Oregon, until forming Elite Recovery Group, LLC in XXXX and withdrawing the fraudulent foreign LLC registrations. To summarize : the Washington-based Elite Collection Services , LLC has been dissolved since XXXX and no Oregon-based LLC by the name of Elite Collection Services , LLC has ever existed , despite the information provided by the owner of the alleged business to the NLMS and the states of Washington and Nevada. Thus, it would not have been possible for Elite Collection Services , LLC, which had no valid legal existence in any state after XXXX of XXXX, to legally or rightfully obtain ownership of or rights to the invalid debt in XXXX, to report the debt to credit bureaus, or to transfer said rights to a legally distinct third party such as Elite Recovery Group, LLC, at any point thereafter. Any and all attempts to collect upon said invalid debt or transfer that debt to a third party by " Elite Collection Services, '' Elite Collection Services , LLC, Elite Recovery Group, LLC and any of their employees or officers have been, are and will continue to be invalid and illegal.
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| 10/16/2023 |
Yes |
- Debt collection
- Rental debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Elite Recovery Group, LLC has engaged in numerous violations of state and federal laws and regulations while attempting to collect an invalid debt from me ; this invalid debt has been reported to credit bureaus with an account number of XXXX and an initial amount of {$1600.00} under two different company names on two different credit reports ( see below ). These violations include : Using a name other than their true name when attempting to collect a debt : As noted above, on one credit report ( XXXX ) the invalid debt is reported as belonging to " Elite Collection Service '' ; however, this name was not an approved Assumed Business Name in the State of Oregon where I reside ( see attached documentation showing lapse of XXXX registration in XXXX of XXXX ). They have continued to report this invalid debt under that name for at least the last year to XXXX, likely violating both FDCPA " true name '' regulations as well as Oregon statute ORS 648. The company has reported the invalid debt using their true name with another bureau ( XXXX ), apparently to deliberately create confusion as to who the alleged holder of the invalid debt is. As outlined in the following paragraphs, I believe they have done so to attempt to collect on the same invalid debt twice as two different companies and/or to obfuscate the fact that they have no legal right to attempt to collect said invalid debt.
Providing false information to a credit reporting bureau : On or about XX/XX/XXXX I attempted to electronically dispute this invalid debt with both XXXX and XXXX, who later claimed to have " verified '' the debt ; I have subsequently submitted a second dispute via certified mail to these bureaus that is still in process. In addition to providing the false information that an invalid debt was " verified '', I also noted that the furnisher provided information allowing XXXX to update the address for " Elite Collection Services '' from the initial XXXX XXXX XXXX on the report I obtained in XX/XX/XXXX to a street address ( XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ) and to added a phone number. The phone number matches the XXXX given on the XXXX XXXX XXXX XXXX report for Elite Recovery Group, LLC ; however, the provided address does match the address for Elite Collection Services , LLC. which XXXX claims to be defunct since XXXX ( in fact, defunct since XXXX ; see below ). I have confirmed as of XX/XX/XXXX that this address is now occupied by a different business known as XXXX XXXX XXXX ( see attachments ) and has been so for several months. Therefore, it appears that the data furnisher that provided information to XXXX ( presumably Elite Recovery Group, LLC itself, based on the updated phone number ) appears to have provided deliberately misleading and false information regarding the holder of the debt, possibly to continue the ruse that Elite Collection Services , LLC is still ( or ever was ) a legitimate and operational debt collector.
Pursuing a debt they knew to be invalid : On XX/XX/XXXX, my ex-partner provided video evidence to an entity claiming to be " Elite Collection Services '' regarding the invalid nature of the alleged debt ( see attached statement ). When making payments the next day she reported to me her total balance of all accounts with the company had dropped from approximately {$2300.00} to {$0.00} ( see attached screenshots ) after paying them {$310.00} ; this final balance was so small their system refused to allow her to pay. She told me she believed the balance had been adjusted based on their review of the evidence and that the debt was thereby effectively settled as a result of their recognition of the debt being invalid.
However, Elite Recovery Group, LLC/ '' Elite Collection Services XXXX appears to have either erred in failing to report the ( still invalid ) debt as paid or ignored their duty to reinvestigate a disputed debt under the FDCPA and simply reported the invalid debt as in collections. I would also note the supposed amount of the invalid debt on the invoice provided to XXXX XXXX by " Elite Collection Services '' of {$1700.00} does not match the alleged initial amount on either credit report of {$1600.00} ; I question, given this discrepancy, how " Elite Collection Services '' could have " verified '' or " validated '' this invalid debt.
Pursuing a debt they have no legal right to pursue : As this invalid debt was originally reported to credit bureaus in XXXX of XXXX and Elite Collection Services , LLC was not incorporated as an LLC until XX/XX/XXXX of XXXX in the State of Washington ( see attached documentation ), they can not be the first collection agency to have reported the invalid debt. While the website for Elite Recovery Group, LLC claims they were " converted '' from " Elite Collection Services '' in XXXX, this is an untrue statement and one I believe that is deliberately misleading, intended to give the impression that debts obtained under a previous entity Elite Collections Group, LLC were legally transferred to Elite Recovery Group, LLC by this alleged " conversion '' ; however, no state records indicate that Elite Recovery Group was " converted '' from or legally connected to any previous entity in any way. In fact, Elite Collection Services , LLC, was not a valid business entity in its purported home state of Washington as of XXXX of XXXX due to voluntary dissolution by the owner, after which the company was never reinstated ( see attached documentation ). Instead, the sole member of the now-dissolved Elite Collection Services , LLC ( also, the apparent primary member/owner of Elite Recovery Group, LLC ) appears to have continued with normal business operations while dissolved, in violation of Washington law. To mask the fact he was operating illegally he appears to have intentionally failed to inform the State of Oregon that the XXXX XXXX was dissolved ; rather than properly incorporating as a domestic LLC in Oregon at any point, the owner used the said dissolved LLC 's now-invalid but still-extant foreign LLC registration in Oregon to fraudulently establish purportedly Oregon-based foreign LLC authorities in Washington and Nevada , and to falsely claim to be Oregon-based to the XXXX system ( see documentation ; note in particular that the claimed formation date for the alleged Oregon-based version of Elite Collection Services , LLC XXXX XXXX is XX/XX/XXXX XXXX which is in fact the date that the original Washington-based Elite Collection Services , LLC was granted authorization as a foreign LLC in Oregon ). He then used this fraudulent XXXX XXXX XXXX registration to operate in Washington, all the while continuing to claim the now-dissolved Washington-based LLC was still valid to the State of Oregon, until forming Elite Recovery Group, LLC in XXXX and withdrawing the fraudulent foreign LLC registrations. To summarize : the Washington-based Elite Collection Services , LLC has been dissolved since XXXX and no Oregon-based LLC by the name of Elite Collection Services , LLC has ever existed , despite the information provided by the owner of the alleged business to the XXXX and the states of Washington and Nevada. Thus, it would not have been possible for Elite Collection Services , LLC, which had no valid legal existence in any state after XXXX of XXXX, to legally or rightfully obtain ownership of or rights to the invalid debt in XXXX, to report the debt to credit bureaus, or to transfer said rights to a legally distinct third party such as Elite Recovery Group, LLC, at any point thereafter. Any and all attempts to collect upon said invalid debt or transfer that debt to a third party by " Elite Collection Services, '' Elite Collection Services , LLC, Elite Recovery Group, LLC and any of their employees or officers have been, are and will continue to be invalid and illegal.
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| 10/14/2023 |
Yes |
- Debt collection
- Rental debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Elite Recovery Group, LLC has engaged in numerous violations of state and federal laws and regulations while attempting to collect an invalid debt from me ; this invalid debt has been reported to credit bureaus with an account number of XXXX and an initial amount of {$1600.00} under XXXX different company names ( see below ). These violations include : Using a name other than their true name when attempting to collect a debt : In XXXX XXXX XXXX, I contacted an entity claiming to be " Elite Collection Services '' which appears to have been associated with or a part of Elite Recovery Group, LLC, in regards to an invalid debt first reported on XX/XX/XXXX. However, this name was not an approved Assumed Business Name in the State of Oregon where I resided at that time ( see attached documentation showing lapse of XXXX registration in XXXX XXXX XXXX ), so doing business under that name violated both FDCPA " true name '' regulations as well as Oregon statute ORS 648. They have also continued to report this invalid debt under that name for at least the last year to one credit reporting bureau while using their true name with another, creating substantial confusion as to who the alleged holder of the invalid debt is. In particular, when I attempted to contact " Elite Collection Services '' regarding this matter in XX/XX/XXXX their phone number and website no longer functioned.
Using deceptive practices to collect a debt : During my discussions with " Elite Collection Services, '' I was told that I they would consider the video evidence I possessed demonstrating that the alleged debt was invalid only on the condition that I agreed to enter into a payment plan with them. I did so on XX/XX/XXXX, making XXXX payments totalling approximately {$310.00} in total ( see attached statement ). However, " Elite Collection Services '' should have recognized my intent to dispute the invalid debt and should have known I was within my rights to request they reinvestigate the invalid debt without any further obligation of any kind. Nonetheless, at the time I was unaware of my rights and so was coerced into agreeing to enter into said payment plan, though I made it clear that I did not admit to the validity of the debt and that I only entered into the payment plan with the sole intent of getting " Elite Collection Services '' to view my evidence that this was in fact an invalid debt.
Pursuing a debt they knew to be invalid : On XX/XX/XXXX, I provided the aforementioned video evidence to " Elite Collection Services '' regarding the invalid nature of the alleged debt. When making payments the next day I found that my total balance of all accounts with the company had dropped from approximately {$2300.00} to {$0.00} ( see attached screenshots ) after paying them {$310.00} ; this final balance was so small their system refused to allow me to pay. Based on this notice provided by the company 's own billing system, I believed my balance had been adjusted based on their review of the evidence I had provided and that my obligations were thereby effectively settled as a result of their recognition of the debt being invalid, and I had no further communication with " Elite Collection Services '' after that time. However, Elite Recovery Group, LLC/ '' Elite Collection Services '' appears to have either erred in failing to report the ( still invalid ) debt as paid or ignored their duty to reinvestigate a disputed debt under the FDCPA and simply reported the invalid debt as in collections.
Misrepresenting the amount of a debt : When asked for documentation of the invalid debt, the invoice document provided by " Elite Collection Services '' indicated an initial total charge of approximately {$1700.00} ( see attached statement ), most or all of which charges I had evidence to refute in the aforementioned video. However, upon examination of my credit reports, I noticed the initial balance of the account was actually reported as {$1600.00} ; in addition, when the invalid debt was reported as in collections to XXXX in XXXX XXXX XXXX ( under the " Elite Collection Service '' name ) the amount reported of {$1900.00} reflected neither the unadjusted original balance from XX/XX/XXXX minus the {$310.00} I had paid, nor the {$0.00} their own billing system had shown as the total balance of all my accounts with the company as of XX/XX/XXXX.
Failure to provide an itemized accounting : Though " Elite Collection Services '' provided the aforementioned invoice upon request, at no point did I receive any documentation itemizing interest, fees or other additional charges added to the invalid debt despite verbally making that request.
Pursuing a debt they have no legal right to pursue : As this invalid debt was originally reported to credit bureaus in XXXX XXXX XXXX and Elite Collection Services , LLC was not incorporated as an LLC until XX/XX/XXXX XXXX XXXX in the State of Washington ( see attached documentation ), they can not be the first collection agency to have reported the invalid debt, Curiously, the website for Elite Recovery Group, LLC claims they were " converted '' from " Elite Collection Services '' in XXXX, but this is a factually untrue statement ; no state records indicate that Elite Recovery Group was " converted '' or legally connected to any previous entity in any way. However, the entity which presumably did first report the debt, Elite Collection Services , LLC, was not a valid business entity in its purported home state of Washington as of XXXX XXXX XXXX due to voluntary dissolution by the owner, after which the company was never reinstated ( see attached documentation ). Instead, the sole member of the now-dissolved Elite Collection Services , LLC appears to have intentionally failed to inform the State of Oregon that their Washington LLC was dissolved and then used the said dissolved LLC 's now-invalid but still-extant foreign LLC registration in Oregon to fradulently establish purportedly Oregon-based foreign LLC authorities in Washington and Nevada, and to falsely claim to be Oregon-based in the National Multistate Licensing System ( see documentation ; note in particular that the claimed formation date for the alleged Oregon-based version of Elite Collection Services , LLC in XXXX is XX/XX/XXXX XXXX which is in fact the date that the original Washington-based Elite Collection Services , LLC was granted authorization as a foreign LLC in Oregon ) . All the while, the owner continued to claim the now-dissolved Washington-based LLC was still valid to the State of Oregon, rather than incorporating as a domestic LLC in Oregon at any point ; indeed, no Oregon-domestic corporation by the name of Elite Collection Services , LLC appears to have ever existed . Thus, it would not have been possible for Elite Collection Services , LLC to legally or rightfully obtain rights to pursue the invalid debt in XXXX or to transfer said rights to a third party such as Elite Recovery Group, LLC, at any point thereafter, as no such company as Elite Collection Services , LLC had a valid legal existence as an operational corporation in any state after XXXX XXXX XXXX. Therefore, all attempts to collect upon said invalid debt or transfer that debt to a third party by " Elite Collection Services, '' Elite Collection Services , LLC, Elite Recovery Group, LLC and any of their employees or officers have been, are and will continue to be invalid and illegal.
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| 05/23/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was allowed to get out of my lease at XXXX XXXX early because of an incident that occurred at the complex. I cleaned the whole apartment for 5 days and had the carpets shampooed with a professional carpet cleaner. I followed all of the instructions on the move out guideline the complex provided and beyond what they required since I had read all the XXXX reviews about the place charging grossly exaggerated move out fees. I took photos of everything and had the maintenance guy look at the apartment before I turned in the keys. I was out on time and left the place better than I got it. I month later I get some fees regarding a violation and the carpet. I disputed the charges with the complex and they only removed the violation. The carpet was not damaged, stained, or torn, according to their own contract, the damage would be considered normal wear and tear yet they decided to replace the carpet and send me the bill. I sent the collection agency a letter disputing the charges and gave them pictures and a copy of the contract but they ignored the evidence and proceeded to ruin my credit. I disputed it with XXXX and they have removed it twice, now I'm disputing it again and want to make a complaint again this gross overreach of unfair and unnecessary charges.
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| 08/07/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Hello, I noticed an account on my credit report, but when I look up the business it does not have an active business license. I am attaching the file for reference and a link to the Washington SOS : https : //ccfs.sos.wa.govXXXX? XXXX XXXX XXXX Additional Ref XXXX XXXX XXXX XXXXXXXX When I reached out to the company I was connected to someone working for XXXX XXXX located in Arizona. I could not find an active business license for a company under the aforementioned name on the Arizona SOS website.
I live in XXXX, WA and the alleged debt seems to be generated from a business in XXXX as well.
I felt like I should let someone know as this doesn't seem right to me. If I need to contact a different department or organization please let me know.
Thank you, XXXX XXXX
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| 11/01/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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ELITE Collection Services has been reporting negative information to my XXXX and XXXX credit reports for over 5 years. I have disputed this agency multiple times over the past few years. They allege that I owe a company by the name of XXXX XXXX XXXX XXXX money from a rental, when that is not true.
Elite Collection Services continues to fabricate falsified documents claiming they are mine, when they aren't. I have never done business with XXXX XXXX XXXX XXXX, nor have I ever heard of them.
XXXX and XXXX continue to report this falsified information despite sending multiple letters to both credit bureaus disputing the debt. XXXX removed the false negative reporting, but the other bureaus have yet to do so.
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| 01/20/2024 |
Yes |
- Debt collection
- Rental debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I noticed I had a negative mark on my XXXX XXXX from debt XXXX Elite Recovery Group LLC for a past due balance. I have never received any notice that any account of mine was going into collections. And I never received any communication from Elite Recovery Group LLC regarding any account of mine. The entry of my credit report was dated XX/XX/year>, so it's been nearly XXXX XXXX and I have never received anything from Elite Recovery Group LLC.
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| 10/08/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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| 07/26/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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| 05/31/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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| 05/24/2023 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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