Common Complaints about Express Recovery Services

Based on the customer reviews on the Better Business Bureau (BBB) website, some common complaints about Express Recovery Services include:

1. Using aggressive and harassing collection tactics: Some consumers have reported that Express Recovery engages in harassing collection tactics, such as making repeated phone calls and using threatening language.
2. Reporting inaccurate information to credit bureaus: Consumers have reported that Express Recovery Services has reported inaccurate information to credit bureaus, which can negatively impact their credit scores.
3. Failing to validate debts: Consumers have reported that this agency fails to provide adequate proof that the debt they are attempting to collect is valid and belongs to the consumer.
4. Failing to notify consumers of their rights: Some consumers have reported that this debt collector did not notify them of their rights under the Fair Debt Collection Practices Act (FDCPA).
5. Misrepresenting the amount owed: Consumers have reported attempts to collect more than the amount owed or has added unauthorized fees to the debt.

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How to stop Express Recovery Services from contacting you to collect a debt

If you are contacted by Express Recovery or any other debt collection agency about a false or inaccurate account or debt, it is important to exercise your right to dispute it. You can send a cease and desist letter if you are sure you want to stop the collection calls. You can also dispute any incorrect listings reporting in your credit reports. All debt collectors are required to follow the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) to ensure that you are treated fairly.

Under the FDCPA, debt collectors like Express Recovery Services are prohibited from engaging in harassing behaviors, such as using threatening or abusive language, making threats of violence or physical harm, repeatedly contacting you at inconvenient times, providing false or misleading information, threatening arrest, or engaging in any willfully deceptive practices.

Under the FCRA, creditors and debt collectors are prohibited from reporting inaccurate debt report information. They are also required to delete any credit reporting that is false, deceptive, or otherwise incorrect. Unlike the myth pushed by corrupt credit repair companies, debt collectors are not required to delete accurate information.

Is Express Recovery Services a legitimate company?

Express Recovery Services is debt collector that has been in operation in Utah since 1996. It is headquartered in West Valley City, Utah.

Express Recovery primarily collects on consumer finance accounts. Those accounts include credit cards, secured loans, unsecured loans, lease-to-own financing, and other consumer accounts. Some of the nation’s largest financial institutions sell accounts that are past due to Express Recovery and its associated companies.

Express Recovery Services is accredited by the Better Business Bureau (BBB) and magically holds an A+ rating despite having various legal problems and numerous consumer complaints and one-star reviews. Indeed, consumers have filed 21 reviews about Express Recovery with the BBB in the last three years. Other complaints have also been filed with the Consumer Financial Protection Bureau (CFPB), a federal agency created to help prevent companies in the financial industry, such as banks, credit card companies, and debt collection agencies, from abusing and deceiving consumers.

Use Caution when Dealing with Express Recovery

Express Recovery Services’ website claims that it somehow helped and empowered more than 7 million consumers to gain control of their financial obligations. That is an outright fabrication. Debt collectors don’t empower or help consumers. They force payments out of people, many of whom cannot afford to pay. Claiming they help or empower people is repugnant.

Indeed, Express Recovery was sued by the federal government and in October of 2020 entered into a Stipulated Final Judgment and Order with the Consumer Financial Protection Bureau (CFPB). According to the settlement Express Recovery Services sued consumers without the proper proof, engaged in collections without providing the disclosure required by the FDCPA, failing to provide verification of the debts within 30 days of a consumer request, suing consumers on time-barred debts, collecting or attempting to collect time-barred debts without providing the disclosure required, using false, deceptive or misleading representation or means in connection with the collection of any debt, and engaging in unfair acts or practices. Under terms of the order, token damages to consumers plus a $15 million civil money penalty.

Does Express Recovery Services collect medical debts?

Yes, Express Recovery Services collects medical debts. Those debts are originally owed to healthcare providers such as hospitals, medical clinics, and dentists.

Will Express Recovery Services sue me for a debt?

In many cases Express Recovery Services will sue you to collect. However, it usually starts the collection process by sending collection letters and making collection phone calls. It will then evaluate the debt and decide whether or not to sue you.

Should I make a payment to Express Recovery Services?

Maybe, but certainly not right away. First, you must carefully review the information it provided and assess your options. If you have any doubts or concerns, you may wish to seek advice from a financial advisor or legal professional before making any payments. You should also verify the legitimacy of any debts it claims you owe to assure they are valid and accurate. Furthermore, be sure you do not pay if doing so will restart any statutes of limitations that might apply to the debt. Waiving your legal rights and paying a time-barred debt is typically a bad idea.

Should I file a lawsuit against Express Recovery Services?

Maybe, but never on your own. If you believe that Express Recovery Services or any other debt collector, collection agency, or collection attorney has violated your rights under the Fair Debt Collection Practices Act (FDCPA) the Fair Credit Reporting Act (FCRA), or any other applicable laws, you should consult with a qualified attorney who specializes in consumer law. An attorney can advise you on your legal rights and options, help you gather evidence to support your case, and assist you in filing a lawsuit if it is determined to be appropriate.

To maximize your chances of success keep detailed records of any communications or interactions with Express Recovery, as well as any evidence that may be relevant to your case. That includes keeping the collection letters, phone logs of collection calls, voicemail recordings of collection messages, and proof of any payments you made toward the debt. This information is helpful in determining whether or not to pursue legal action against the company.

Contacting Express Recovery Services

We do not recommend you contact Express Recovery Services for anything other than sending it a cease and desist letter, a pay for delete letter, or a debt validation letter. If you want to get any debt collection agency off your credit reports, dispute the credit listing with each of the main credit bureaus, Experian, TransUnion, and Equifax.

If you must contact Express Recovery Services the phone number is 1-800-238-5888 and its address is 2790 Decker Lake Dr. Suite A, West Valley City, UT 84119.

Never pay any debt collector until you are 100% certain the debt is both valid and owed. Also be certain there are no collection abuses taking place that could be used to offset the debt. Otherwise you could be losing money and compromising your legal rights.

Common Fair Debt Collection Practices Act (FDCPA) Violations

Some common violations of the Fair Debt Collection Practices Act (FDCPA) by debt collectors include:

1. Threatening to take legal action that is not actually intended or permitted.
2. Failing to provide verification or validation of the debt when requested by the consumer.
3. Adding unauthorized charges or fees to the debt.
4. Contacting third parties (such as a consumer’s employer or family members) about the debt.
5. Continuing to contact a consumer after receiving a written request to stop.
6. Using profanity or abusive language.
7. Misrepresenting the amount or nature of the debt.
8. Pretending to be a government official or law enforcement agent.
9. Failing to identify themselves as debt collectors when contacting consumers.
10. Contacting consumers at inconvenient or unusual times, such as early in the morning or late at night.

Common Fair Credit Reporting Act (FCRA) Violations

The Fair Credit Reporting Act (FCRA) is a federal law that regulates the collection, dissemination, and use of consumer credit information. Debt collectors are subject to the FCRA when they report information to credit reporting agencies. Here are some of the most common FCRA violations for debt collectors:

1. Reporting inaccurate information to credit bureaus
2. Failing to investigate disputed information on a credit report
3. Failing to notify consumers of negative information reported to credit bureaus
4. Re-aging debt, or reporting an old debt as a new debt
5. Reporting information that should no longer be on a credit report due to the statute of limitations
6. Failing to properly identify debts as disputed by the consumer
7. Failing to provide consumers with a copy of their rights under the FCRA
8. Reporting a debt that has been discharged in bankruptcy
9. Pulling a credit report without a permissible purpose
10. Failing to delete inaccurate or unverifiable information from a credit report after receiving notice of the dispute from the consumer.

How to get Express Recovery Services off your credit report

To dispute incorrect information in your credit reports you can take the following steps:

1. Obtain a copy of your credit report: You can obtain a free copy of your credit report from each of the three major credit bureaus (Experian, TransUnion, and Equifax) once a year through AnnualCreditReport.com.
2. Review your credit report: Carefully review your credit report to identify any errors or inaccuracies, such as incorrect account information, inaccurate payment history, or unauthorized inquiries.
3. Prepare a dispute letter: If you find any errors or inaccuracies, prepare a dispute letter that clearly identifies the error and provides supporting documentation. The dispute letter should include your name, address, account number, and a detailed explanation of the error.
4. Send the dispute letter to the credit bureau(s): Send the dispute letter to the credit bureau(s) that are reporting the error, along with any supporting documentation. You can usually submit a dispute online, by mail, or by phone.
5. Wait for a response: The credit bureau(s) must investigate your dispute and respond within 30 days. If the dispute is found to be valid, the credit bureau(s) must correct the error and send you a new copy of your credit report.
6. Follow up: If the credit bureau(s) do not correct the error, you can follow up with a second dispute letter or file a complaint with the Consumer Financial Protection Bureau (CFPB) or a state attorney general’s office.

Don’t use a Credit Repair Company

There are numerous reasons to avoid credit repair companies to help you dispute information reported by Express Recovery Services. Here are just a few:

1. Cost: Credit repair services can be expensive, and some people may not want to pay the fees.
2. Time: Generally, credit repair companies charge monthly. That means they intentionally work slower than necessary to increase their profit.
3. Lack of effectiveness: There is no guarantee that a credit repair company will be able to remove negative information from your credit report. In some cases, the company may not be able to do anything that you couldn’t do yourself.
4. Scams: Unfortunately, there are many scams in the credit repair industry. Some companies may make false promises or charge upfront fees, which are illegal.
5. DIY options: There are many DIY credit repair options available, such as disputing errors on your credit report and negotiating with creditors. Some people may prefer to try these options before hiring a credit repair company.

What happens if I don’t pay?

Express Recovery Services will typically sue you if you refuse to pay or ignore their collection attempts. This is not a desirable outcome. Generally, we recommend you take the matter seriously and address it promptly if you owe a debt or are accused of owing a debt. You want to avoid the addition of any extra unnecessary fees certainly don’t want to be sued for the debt. You also don’t want to reset any statutes of limitations or waive any other legal rights. In other words, don’t pay until you consult with an attorney to be sure that is appropriate for your situation.

Express Recovery pay for delete letters

Pay for delete is a negotiation between a consumer and a debt collector or creditor. The consumer agrees to pay off the debt in exchange for the negative information being removed from their credit report. Although some debt collectors may be willing to negotiate a pay for delete agreement, many won’t. In other words, pay for delete is not a guaranteed outcome. Some creditors and collection agencies may not be willing to engage in this practice. Whether Express Recovery Services allows pay for delete is unclear at this time. Our practice does not normally require or encourage our clients to pay for delete.

File a complaint against Express Recovery

We highly recommend that you contact us before filing a complaint against Express Recovery Services. Nothing good will come of a standard complaint to any government or private agency. They simply do not care about individual consumers. If you have issues with this or any other collection agency or collection attorney contact us for immediate assistance.

Steps for filing a complaint against a Debt Collector

If you still want to file a complaint against Express Recovery Services, you can take the following steps to file a complaint with various agencies:

1. File a complaint with the Consumer Financial Protection Bureau (CFPB): If you are unable to resolve your complaint with Express Recovery directly, you can file a complaint with the CFPB. The CFPB is a government agency that regulates debt collection practices. This agency can help resolve disputes between consumers and debt collectors but generally doesn’t actually help. You can file a complaint with the CFPB online, by phone, or by mail. This is a waste of your time.
2. File a complaint with your state Attorney General’s office: A state attorney general is responsible for investigating and prosecuting unfair or deceptive business practices. This is an even bigger waste of your time. The Utah Attorney General does not care one bit about you or your consumer issue. He is more interested in protecting banks, collection agencies, landlords, and other businesses.
3. File a complaint with the Better Business Bureau (BBB): You can file a complaint with the BBB. It is a nonprofit organization that helps consumers resolve disputes with businesses. The BBB will review your complaint and attempt to mediate a resolution with the collection agency. Unfortunately, the BBB will not make the debt collector pay you for damages under the Fair Debt Collection Practices Act so this too is a waste of your time.

When filing a complaint, provide as much detail as possible, including any relevant documentation or evidence that you may have. Be sure to keep a record of any communications with Express Recovery Services or other parties related to your complaint. Then, when the above agencies fail you, contact a true professional for help.

Need help with Express Recovery Services

If you have been contacted by Express Recovery Services about an overdue debt, we can help. As the most accomplished debt collection litigation firm in Utah we have vast experience with companies like Express Recovery.

Contact us today for a free attorney case review. Our process is quick and easy and comes with no obligation. Then, if you have any legal claims against Express Recovery Services or others we will do our best to stop the collection, clear up any inaccurate credit reporting, and make the debt collection agency pay you damages.

Our process is fast and easy. Call today for a free case review.

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