Capstone Credit Services

bottom line this is the worst group of people I have EVER had to deal with! NO trying to understand NO trying to help resolve the issue. Completely rude and unprofessional are understatements. yes, they are a collection agency (not 100% because there is never a manger or higher up to speak with) but when they are yelling.... i mean speaking with you. they are talking like you choose to be in the situation!! like job losses dont exist, deaths in family, nor do hospitalizations!! my account has been open with them for some time now and will continue to be i guess since they are so unruling about getting the full lump some on my balance and not wanting to take payments or a settlement like they have mentioned to me.

I called to resolve a discrepancy/mistake on my credit report and the girl that answered the phone was completely rude and unprofessional. She hung up on me so I called and asked to speak to her supervisor and she said she did not have one. She continued to accuse me of not paying my bills and belittling about the collection. I tried to explain to her this is a mistake and it was paid and I just wanted to know how to clear it up. She still accused me of not paying my bills and that I owed the money. She again hung up.

Capstone Credit Services has been inactive since 09/24/2010. The owner of this company Doug Cullaro has open up an new company with a similar name (Capstone Credit & Collection LLC) I have found that they do have a pending case against them Robby Tilborg, Plantiff vs. Capstone collection & Credit, LLC Defenant. I also just noticed that the company the closed down (Capstone credit services) 09/24/2010 but his new company (Capstone Credit & Collections LLC) was active since 10/12/2009.



In my opinion when a business owner need to close down one company to open another, he is probably trying to cover up something or has something to hid. If he has nothing to hide he could have easily changed to a dba or added an LLC to his corporation.



I have been dealing with this unprofessional company for about a year now. I have done everything in my power to make them answer my questions. They refuse to provide info they are legally required to provide. They use unprofessional language. I am almost certain they only have between 3-5 employees. They do not carry the proper licensing to handle commercial accounts. (This requires a $50,000.00 bond to make sure your accounts places are protected)



If you are a business placing commercial account I would look elsewhere. They have an F rating with the BBB and they still go by the name Capstone Credit. They havn't responded to the last 14 complaints. On their website they claim to have been in business since 1992, If you check on sunbiz this company has only been active since 2009. They prior company was opened on 08/06/1993 (Why would you lie about 1 year)



If a company would lie to you about something so small, you could only imagine what else they are lying about. If you have anything to add or would like to talk with me more, feel free to email me at any time. njiolt1@yahoo



Thank you for reading!

This company needs to be stopped. There was a new bill passed (bill s2086) ~ must read up on this~. As of Oct 1, 2010 there might be a way to stop these guys. To launch an investigation there will need to be 5 valid complaints on this company with in a 12 month period. I don't think this takes effect until Oct 1, 2010. So on Oct 2, 2010 if you had a problem with this company please call the Office Of Financial Regulations (850)453-7908. Tell them you need the Consumer Collection Practice Act Complaint Form.





Capstone also changed from an Inc to an LLC this year. The companies current name is Capstone Credit & Collections, LLC address. 120 Lutz Lake Fern Rd W, Lutz FL, 33548





This company never read a mini miranda to the debtors, they use profanity, collection agencies as never to threat you or to threaten litigation on you. (If they threatened Litigation please right a letter to the Florida Bar)





Google this below to read about your rights...

559.72 Prohibited practices generally.

--In collecting consumer debts, no

person shall: