S & S Recovery, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
08/02/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30909	Web	Servicemember
On XX/XX/2023, I called the XXXX XXXX XXXX XXXX to settle student debt ( not federal or private loan ) in the amount of {$6000.00}. I was told by XXXX of the cashiers office that the debt was turned over to S & S Recovery ( XXXX ). I called XXXX & XXXX XXXX and was connected to XXXX at extension XXXX, who happened to be the representative handling my case. XXXX advised me that I owed {$1500.00} in addition to the {$6000.00}. Baffled, I questioned the additional fees. XXXX advised me that the additional fees were late fees assessed by XXXX XXXX. This immediately presented a red-flag because I had just spoken to XXXX of XXXX XXXX XXXX XXXX XXXX and XXXX spoken to a representative at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX prior, XX/XX/2023. XXXX assured me that the additional fees only came from XXXX XXXX when they had taken over the account. I told XXXX that I would call her back at her extension in XXXX to XXXX minutes so that I could verify some information. I immediately called the XXXX University XXXX XXXX to verify the information provided to me by XXXX. XXXX answered the phone and was distraught by the information I had received from XXXX. XXXX stated that the information provided by XXXX was completely false and that XXXX University had assessed no additional fees onto my student account. XXXX stated that the additional {$1500.00} fee was apparently assessed onto my student account by XXXX & XXXX XXXX. XXXX stated that I owed XXXX University {$6000.00} and that no additional fees were assessed. I told XXXX that XXXX knowingly, willfully, and deliberately lied to me about the additional fee and was using XXXX University as a scapegoat to force collection efforts on me and possibly other students. XXXX readily named XXXX as my S & S Recovery representative and stated that she was going to give her a call. XXXX stated that if needed, she would get additional contacts involved in an effort to remedy the situation. XXXX asked if she could call me back while she attempted to make contact with XXXX. At XXXX XXXX on said date, XXXX XXXX me back advising that she had spoken to XXXX XXXX extension XXXX. I am unaware of the contents of the conversation, but XXXX urged that I give XXXX a call at the aforementioned extension. I attempted to contact XXXX at XXXX thereby leaving a voicemail message, and again at XXXX without success. At XXXX XXXX, I called XXXX & XXXX XXXX at XXXX and left a message for XXXX XXXX a receptionist. At present, I have not received return correspondence from XXXX or any other representative of XXXX & XXXX XXXX. It is based upon reasonable belief as a retired law enforcement official that S & S Recovery is assessing unreasonable collection fees on XXXX XXXX XXXX accounts under the fraudulent guise that such fees are late fees assessed by XXXX XXXX. S & S Recovery representatives are knowingly providing materially false and fabricated information to unsuspecting students who may not have the means to challenge the additional fees. It is highly unlikely that a reasonable and prudent person would believe that I am the only XXXX XXXX student subject to such vile conduct by XXXX & XXXX XXXX. Based on my legal and law enforcement background, I hereby request that the CFPB conduct a full and thorough investigation on S & S Recovery collection activities with regard to my XXXX XXXX student account, in addition to all other student accounts associated with XXXX XXXX. XXXX XXXX XXXX XXXX
07/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32221	Web
On XX/XX/XXXX, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that S & S RECOVERY, INC., had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/XXXX with a balance of {$2500.00}. I had no knowledge of this company nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of purchasing a car. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with the purchase of my home and business ventures that have to be delayed until this illegal account is removed. S & S RECOVERY, INC. XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX, ( XXXX ) XXXX
08/11/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 707XX	Web
XXXX XXXX XXXX XXXX XXXX ( 2 hours ago ) to XXXX Good Afternoon, I reached out to your office regarding my hold. One of your associates stated I owned XXXX dollars. The individual was unable to tell me when theses charges occurred due to the legacy system issue. I understand that is a system error issue but when I called the Collection they stated I owed XXXX dollars. They said they cant change it without approval. I ask your assistance with this matter. I been dealing with XXXX XXXX for over a month. I am struggling to get this resolved Best Regards XXXX On Mon, XX/XX/2020, at XXXX XXXX XXXX wrote : Dear XXXX , We have received your transcript request order ; unfortunately, we are unable to process your request because of a hold ( s ) on your student record. Listed below is the hold ( s ) on your record followed by the college that placed the hold on your account and their contact information : Accounts Receivable Hold : - XXXX XXXX XXXX College - - XXXX XXXX ( XXXX ) XXXX Financial Hold : - XXXX XXXX XXXX College - - XXXX XXXX ( XXXX ) XXXX Please contact the college ( s ) listed above to inquire and resolve the hold ( s ). Your college Identification number is XXXX. You will need to reference this number when contacting the college ( s ) listed above. Once your hold ( s ) has been removed, your transcript request will be completed automatically. Respectfully, XXXX XXXX XXXX College Transcript Processing Team This is an automated email, please do not reply directly to this email. XXXX XXXX XXXX XXXX XXXX ( 1 hour ago ) to XXXX Good Afternoon, My whole family including a XXXX sister in law has been affected by XXXX XXXX. After over a month of battling this XXXX. Now I am faced to fight another battle with the XXXX who's legacy system has been down for months. They are unable to provide any information regarding student 's balances. Students are forced to pay bills with bursar 's office without knowing when the chargers occured and transcripts are not released until the bill is paid. I am in the process of applying for my dream school XXXX for my XXXX XXXX in XXXX XXXX for the XXXX enrollment. Best Regards, XXXX XXXX
06/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77007	Web
I noticed a derogatory " paid collection '' by a predatory collections company by S & S Recovery out of Tennessee. I submitted my full payment directly to the university via the university 's portal, not a collections company. However, when reviewing my credit reports, I was dismayed to learn that XXXX XXXX XXXX was the ONLY credit reporting bureau showing a derogatory account. I know for a fact that S & S violated many FCRA and FDCPA laws and as a licensed private investigator, I've compiled a court records and testimonies to corroborate a pattern of abusive behavior. I never received a letter from S & S Recovery nor could they ever prove to me that they were in compliance the FCRA/FDCPA laws. S & S Recovery never sent a letter, the university never provided me communications nor did they remit the services I paid for due to COVID-19. Since I am a survivor of XXXX XXXX I'm enrolled in the Texas Attorney General 's Address Confidentiality program where they assign a po box to receive mail in lieu of a publicly listing a physical address to add a layer of protection. I have attached that enrollment letter from when I joined the program. Also, the university was not physically opened during XXXX and working remotely. Any letter they sent to me were not received. Despite paying the university, I now have a collections with a company I never interacted with! COVID-19 displaced many people and the university could not adequately follow with any notifications of derogatory payment. I submitted a complaint by the CFPB portal against S & S along with a formal dispute via XXXX, yet S & S is engaging in their typical " bully '' behavior and refusing any goodwill effort to delete the stain on an otherwise FLAWLESS credit report. This negative collection has dropped my report by XXXX points and is preventing me from opportunities and setting my interest rates higher. This is illegal. I have a tentative meeting scheduled with a news network who is willing to speak with me on the record for an " expose '' news story about this very matter should the issue not be resolved.
07/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL XXXXX	Web
S & S Recovery has violated my rights. I am aware of all rights that I have, and which are protected by Congress under the FCRA and FDCPA. I still have not received any communication from S & S Recovery on how to dispute this matter in their office. The Listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 US Code 1692g ( b ) and 15 USC 1681. S & S Recovery you have completed your investigation and while under an active dispute process you did not cease reporting 15 US Code 1692g ( b ) but have sold it to other reporting agencies, including XXXX, XXXX, and XXXX, and have requested for the account to be updated to reflect S & S Recovery ( alleged findings ) I did not grant S & S Recovery permissible purpose to obtain the information and report it. I have additional questions pertaining to Your investigation? Did you talk to my neighbors, friends, and family? If so, I have a right to the investigation report. so please inform me with whom you completed the investigation. Also according to FCRA, you have violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) The Listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : S & S Recovery Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation
07/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL XXXXX	Web
I have received validation of debt by S & S Recovery via Mail Dated as the XX/XX/2022 information is attached to this complaint. The referenced Account # XXXX Reference # XXXX. There was an inaccuracy in which I was incorrectly billed in the amount of {$1400.00} was supposedly refunded back to the account. I did not receive any funding for an overage nor was this information shared with me until the investigation from S & S Recovery. The account balance reported from S & S Recovery is not reflected as the SAME BALANCE reported on my XXXX Credit Report. ( Doc. Attached ). I am contacting you because you claimed to have completed this investigation and verified this information with XXXX XXXX XXXX as reporting 100 % accurate. However, this account is STILL inaccurate and is STILL continuing to report errors on my credit file, which is causing damage to my credit score. I have previously requested that you investigate and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE and remove this inaccurate account from my credit report.
02/21/2019	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	IA 506XX	Web
Today - XX/XX/19 S & S called me 5 times, called my husband 's personal phone, and called his work. I tried calling them back and they would hang up on me, send me to voicemail, put me on hold for long periods of time, and kept transferring me to people that weren't involved in the case without transferring me to the person I needed to talk to. The Vice President, XXXX XXXX was extremely rude to me, kept interrupting me, and not listening to what I was saying. Back a few months ago I told S & S that they were not allowed to contact my husband, but they call so many times a day, sometimes 3 times within a 20 minute period. I feel harassed by them. Also, they claim that I owe a higher amount than I actually do, almost {$2000.00} more than I do. I tried to resolve this but the managers were just rude and told me they could call whoever they want whenever they want, which is clearly against the Fair Debt Collections Practices Act. XXXX claims that everyone in his company is FDCPA certified but they can not follow simple laws.
12/13/2017	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MS 392XX	Web
This debt is relating to a balance owed to XXXX XXXX College in the ammount of XXXX. I contacted XXXX XXXX College on XXXX/XXXX/XXXX in reference to this account and they let me know that it had been placed With S & S RECOVERY , INC . I CONTACTED THEM THE VERY SAME day regarding the account they stated that they did not have any information regarding the account and I had not recieved any letters or communication from them regarding the balance. So here I am trying to get my official college transcript to enroll in school but im getting the run around about my account. Then I recieved a letter from S & S stating that I was previously notified that my account was placed for collections, which i had not been notified.
06/08/2023	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	MS 386XX	Web
I have been receiving frequent phone calls to collect a debt from a college that I have not attended since XXXX. I answered initially to see what this was about and where these phone calls were coming from. I was told they were looking for XXXX XXXX to collect a debt of {$1300.00}. This is a debt I had no idea that I had acquired. I let this know this information and they continued to call me to collect this debt on my behalf. Yesterday, I called my college to order a transcript and there is a hold on my account due to this debt. This debt is not mine. I feel that this debt is attached to someone else and it has been accidentally been put on my account because XXXX XXXX is a very common name. This debt is not mine.
07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 759XX	Web
XX/XX/23 I got a call from SS Recovery over student loan at XXXX, a XXXX bill over getting committed last three weeks of school, and one wF out of fur grades meaning i owed them XXXX three years ago. I ; ve disputed the bill but decided to pay it off XXXX a month XX/XX/23 and gave them my acct number to take it out of only to have them declare XXXX delinquent on my credit reportas a write off. I want to pay the whole thing off when i can, next month, when my Dads estate is settled and I receive inheritance for sale of his house, but its already making black mark on credit report since i agreed to pay it.
09/28/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	MO 64850	Web	Servicemember
They called again today XX/XX/2018. Twice. After they called more than 3 times yesterday. Lied saying they were not a collection agency, But when I called the number back the automated greeting was XXXX XXXX XXXX XXXX. They were rude and harassing. and I intend to look more into the legal laws about the calls. 1 man I spoke to even suggested they had gotten people fired for their the way they were talked to, and processed to threaten about finding the owners and contacting them.
05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 770XX	Web
S & S Recovery agreed that if I paid the total amount I owed on XX/XX/2023 of XXXX, they would remove it from my credit report. However, the debt has been paid, and they haven't removed it from my credit report. Therefore, the representative agreed to DELETE it if I paid in full.
11/12/2019	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Contacted your employer	TX XXXXX	Web
On XX/XX/2019 XXXX XXXX of S & S recovery called my job from XXXX I called her back and asked her to not call my employer again. She stated she will not and made a note to not call my employer. However today XX/XX/2019 she has again called my job.
06/02/2022	Yes	Student loan Private student loan	Getting a loan Confusing or misleading advertising	FL XXXXX	Web
This was very misleading when I qualified for federal pell and grants and had to stop school due to emergency XXXX. I am unable to enroll in college due to this charge.
09/02/2023	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	AZ 85716	Web
A Gentlman working as a collector threatened me with legal action if I did not pay off a debt I may or may not owe at S & S Recovery on behalf of the XXXX XXXX XXXX
09/27/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MO 64850	Web	Servicemember
Today on XX/XX/2018 This company called my place of employment at least 3 time or more times. between XXXX and XXXX XXXX.
02/04/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77082	Web

01/02/2024	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	TX 79936	Web

12/19/2023	Yes	Debt collection Federal student loan debt	Communication tactics Called before 8am or after 9pm	TX 76531	Web

10/28/2023	Yes	Student loan Private student loan	Issue where my lender is my school Cannot graduate, receive diploma, or get transcript due to money owed	CA 90813	Web

06/30/2023	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	TX 77386	Web

06/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77077	Web

05/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77014	Web

05/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76012	Phone

08/19/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63111	Web

06/04/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77007	Web

11/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77586	Web

08/23/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	TX 75052	Web

07/09/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78586	Web

07/03/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78586	Web

04/29/2020	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	MS 39042	Postal mail

01/16/2020	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	MS 39042	Postal mail

02/17/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MS 39073	Web

10/26/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 30642	Referral

03/30/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MS 39212	Web	Servicemember

07/07/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	TN 38104	Web

01/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	LA 70131	Web

10/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AR 72221	Web

07/28/2014	Yes	Debt collection Federal student loan	Disclosure verification of debt Right to dispute notice not received	TX 75228	Web	Servicemember