Team Recovery is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is Team Recovery?
Team Recovery , Inc. (TRI) is a third-party collection agency based in Ohio. TRI has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including failure to verify debts and threatening to take actions that cannot legally be taken. If Team Recovery has contacted you about past due financial obligations, make sure you understand your rights before you take action.
Have questions? Call us now at 475-277-1600 for a Free Case Evaluation.
Our services are absolutely FREE to you.
The harassing company pays our fees.
Is Team Recovery a scam?
They’re legit. According to the Better Business Bureau (BBB), Team Recovery, Inc.was incorporated in 1998 and founded in 1999. The BBB established a profile page for TRI in 2004, and TRI has been a BBB-accredited business since 2006.The BBB lists TRI as a collection agency, billing service, and medical billing service.
According to its website, Team Recovery “is a full-service accounts receivable management company whose… owners are recognized leaders in the collection industry.” TRI “has developed a collection platform which leads to greater customer satisfaction and enhanced results.”
Team Recovery provides third-party collection services to medical and healthcare service providers. TRI’s vision is “to provide proven recoveries, low patient complaints, and exemplary client service.” They also provide collection services to financial services companies; utility service providers; consumer retail lenders; and telecommunications companies. TRI also collects commercial business-to-business debt.
The TRI website offers generalized descriptions of their collection services. For example, TRI’s “approach is consultative in nature,” with a collection staff that “strives to be an on-going valuable resource for… clients” by being “innovative in the face of change.” In addition, TRI “has developed a receivable management platform that generates consistent returns, leads to greater consumer satisfaction, and minimizes complaints.”
TRI states that its entire staff “completes ongoing extensive training” and is “committed to doing their jobs with… utmost effort while abiding by all of the laws, best practices, and regulations that govern the industry.” The Consumers page includes a link to the Ask Dr. Debt website and a video that instructs site visitors to look up the FDCPA, and then follow the four C’s of debt resolution—communicate, confirm, collaborate, and get creative. The payment portal link leads to a third-party site with a lengthy legal disclaimer. However, there are no direct links or references to consumer protection resources, laws, or enforcement agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many Complaints are there against Team Recovery?
As of June 2019, the BBB has closed 7 complaints against Team Recovery, Inc in the preceding 3 years, with 2 complaints closed in the previous 12 months. All of those complaints cited problems with billing and collections. Since June 2016, the Consumer Financial Protection Bureau (CFPB) has closed 7 complaints involving TRI. Justia does not list any cases of civil litigation involving TRI.
Team Recovery, Inc. 3928 Clock Pointe Trail, Suite 101 PO Box 1643 Stow, OH 44224 Telephone: (330) 916-7030
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely Team Recovery would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
Complaints against Team Recovery inc cite problems resulting from disputes about the validity of debts and the accuracy of information reported to the credit reporting agencies. In April 2018, a complainant stated that he had“filed four separate disputes…with each of the three credit reporting agencies…for various collection accounts from TRI that were showing on his credit report.” According to the complainant, none of the accounts had been verified. In addition, although “some of the accounts were removed from each reporting agency, there are a number of accounts that remain. The problem is that there are accounts that were not removed across all three bureaus. For example, the complainant received a letter… with the results of the dispute investigation showing that the debt was not verified from Transunion. These accounts were subsequently removed; however, TRI still continued to report those same accounts to Equifax and Experian.” The complainant encountered the same difficulty “in reverse with Equifax and/or Experian, where accounts were removed there but not… from Transunion.” The complainant also stated that “after failing to have success with disputing all of these inaccuracies to the crediting reporting agencies, he sent a letter directly to TRI…asking for validation… of those debts within 30 days from the receipt of the letter.” The complainant alleged that TRI “chose not to respond…and continued to report those accounts to each of the three credit reporting agencies, even though they had been removed from one agency or another.” He also alleged that TRI “has continued to report inaccurate information across all three credit bureaus, which has caused him an irreparable amount of damage financially.”
In response, Team Recovery stated that they had “reviewed his concerns.” They stated that TRI “only furnishes data to Equifax and TransUnion…and has never furnished data to Experian.” TRI acknowledged receiving “credit bureau disputes via E-Oscar,” and that an “investigation regarding the accounts was conducted,” with a response sent “via E-Oscar.” TRI concluded that the “items reported are accurate based on the investigation” and that “disputing an item does not result in an item being deleted from the credit bureau, if the item is valid.” TRI also stated that they had “received a certified letter from the complainant that included a cease and desist request, thereby preventing any direct contact from” TRI. TRI said they “would need something in writing revoking the cease and desist that was requested in order to communicate with” the complainant any further.
Team Recovery Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
“With your help the nagging collection calls have ceased! I was thrilled I was also able to get damages from the collection agency. I am unable to adequately express my joy. I am so thankful I made the call.”
“I would recommend your company to anyone. You have the debt collectors off my back, and I will finally see the light at the end of the tunnel. Throughout the entire procedure your employees were courteous and professional. I was blown away by their efficacy also.
“After speaking to one of the partners, and going over the plan of action, I felt I’d chose the perfect company to go to work for me. He was very accommodating in describing what was going to happen. I would strongly recommend Lemberg Law to anybody being hassled by debt collectors”
“Prior to contacting you, we had tried repeatedly to handle this matter without threatening litigation. In the end, not only were they unapologetic, but they were dismissive – even of an attorney friend who called on our behalf. Sincerest thanks for resolving this matter for us!”
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.