CFPB Complaint

Choice Recovery, Inc. – CFPB Complaint 2018-03-13

Consumer Complaint Submission

Date Received: 2018-03-13T00:00:00

Product: Medical debt

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: Debt last reported on credit report on XX/XX/XXXX.

I have disputed debt of {$440.00} from Choice Recovery Incorporation in the past ( XX/XX/XXXX). No written notification was given 5 days before of said debt before being posted to credit companies. Debt was sold from original company to current debt collector ( violation of my rights ). Once debt was sold to another debt collection agency I am no longer responsible for this debt as this debt was sold off to another agency with whom I did not sign a legal contractual agreement with.

Personal information was then exchanged from original company to debt collection agency which is a clear violation of my personal information/confidentiality without my consent or knowledge.

Furthermore, I called Choice Recovery Inc. in XX/XX/XXXX to ask how to get in contact with original creditor : XXXX XXXX XXXX and they were unable to provide a phone number and state that debt was sold to Choice Recovery Inc. and had no way of pulling up my records. The only thing they could do was see how much was the balance I owed which was {$440.00}.

Company: Choice Recovery, Inc.

State/Zip: FL 323XX

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Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2842023

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

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In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.




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