Elevate Recoveries

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

Contacts

• BBB-listed phone: (214) 473-5060

Locations

Elevate Recoveries: what to do after a call, letter or credit report entry (checked October 12, 2026)

Elevate Recoveries, LLC is a debt collection agency in Sherman, Texas. Its LinkedIn page describes it as “a healthcare receivables company,” which means the debt it contacts you about is normally owed to a medical provider or another creditor, not to Elevate itself. This page lists what the CFPB and the FTC say about your rights and what the public record shows as of October 12, 2026. Nothing here says that any particular call, letter or credit report entry is valid or invalid.

If you are contacted about a debt.

• The CFPB says a debt collector must give you, in the first contact or within five days of it, information that includes “the name of the creditor, the amount you owe, and how to dispute the debt,” and that “in certain situations, you only have 30 days” after contact to ask for certain information. It publishes sample letters, including “I do not owe this debt” and “I need more information about this debt,” and advises keeping copies of everything you send.
• The CFPB says that using this information “will help determine if they’re legitimate and if you really owe it,” and advises: “Never give sensitive financial information to the caller, at least not until you’ve confirmed they’re legitimate.”
• If the account is a medical bill you believe an insurer or the provider already paid, the creditor named in the validation information is the business to ask about that. A collector is a different business from the original creditor.

If the account appears on your credit report. The FTC says that, however you file a dispute, “the credit bureau has 30 days to investigate it,” that the bureau forwards your evidence to the business that reported the information, and that if the business finds the information inaccurate it must notify all three nationwide credit bureaus. The FTC also says you can dispute directly with the business that supplied the information, here the collector that reported it, and that the business must investigate; it offers a sample letter for that.

Contact details. The company’s website, elevaterecoveries.com (the address BBB and LinkedIn list), returned an “Account Suspended” page on October 12, 2026, so no company-published contact page could be checked. BBB lists a phone number, (214) 473-5060, and a mailing address, PO Box 910009, Sherman, TX 75091-0009. Use the written dispute route in the validation notice you received.

Where to complain. The CFPB takes complaints about debt collection and credit reporting at consumerfinance.gov/complaint or (855) 411-2372.

About Elevate Recoveries, LLC

Entity. BBB lists the business as “Elevate Recoveries, LLC,” a limited liability company in the Collections Agencies category. Its page data gives a business start and incorporation date of September 6, 2012 and a BBB file opening of May 21, 2013. The company’s LinkedIn page lists “Founded 2013.” BBB shows the business as not BBB Accredited.

What it says it does. The LinkedIn page says: “Elevate Recoveries is a healthcare receivables company created to ‘elevate’ the patient’s experience during the collection process.” It also says the owners have been in patient-focused healthcare collections “for over 35 years” and that the company is certified as a Women Owned business by the Women’s Business Enterprise National Council. These are the company’s own statements, which this site has not verified.

Where it is. LinkedIn lists the headquarters as 1930 N Grand Ave, Sherman, Texas 75090, with 11-50 employees; the same About text says “Based in Plano, TX.” BBB lists a mailing address of PO Box 910009, Sherman, TX 75091-0009.

People and fax listed by BBB. BBB’s profile lists “Ms. Cynthia Ann Armstrong, President” as principal contact, “Ms. Lisa Porter, Regional Operations Manager” as customer contact, “Mr. Lee Douglas, CIO” under business management, and a primary fax of (214) 291-5464. These are BBB’s listings, not statements from the company’s own website, and BBB does not describe them as owners.

Not verified. This page does not state the company’s state license or bond status, its owners or its clients. BBB says only that the business “is in an industry that may require professional licensing, bonding or registration”; no license or registration record was confirmed from a primary source on October 12, 2026.

Complaint record: CFPB database, BBB and ComplaintsBoard (as displayed October 12, 2026)

CFPB Consumer Complaint Database. Under the name “Elevate Recoveries, LLC” the database lists 365 complaints in total, 36 of them received from October 12, 2025 onward, with the earliest in March 2018 and the most recent in early October 2026. Product labels: Debt collection (271), Credit reporting, credit repair services, or other personal consumer reports (47), Credit reporting or other personal consumer reports (46) and Credit card (1). The most frequent issue labels are “Attempts to collect debt not owed” (136), “Written notification about debt” (70), “Incorrect information on your report” (48), “Took or threatened to take negative or legal action” (27), “Improper use of your report” (23) and “False statements or representation” (18). The company response label is “Closed with explanation” on all 365; 353 are marked timely and 12 not. By consumer state the largest counts are FL (119), TX (87) and GA (29). These are consumer submissions as the CFPB publishes them, not findings by the CFPB, and the database describes none of them as confirmed. The 365 is the all-years total: the database opens on a three-year view by default, which shows a smaller number, so use the date range “2011-12-01 to 2026-10-12” in the profile link to see all years.

BBB. The BBB profile “Elevate Recoveries, LLC” in Sherman, Texas shows a rating of B, says the business is not BBB Accredited, and gives “91 complaint(s) filed against business” as the reason for the rating. It shows 91 total complaints in the last 3 years and 8 filed in the last 12 months, and an average of 1 out of 5 stars from 3 customer reviews. On the complaints tab BBB’s filter shows status labels “Complaint Answered (74)”, “Complaint Resolved (14)” and “Unpursuable (3)”, and type labels led by “Billing Issues (63)” and “Service or Repair Issues (15)”; the newest complaint shown is dated September 16, 2026. The three reviews are consumer statements, for example that an account appeared on a credit report that the writer says is not theirs; they are allegations that BBB does not verify.

ComplaintsBoard. The page for Elevate Recoveries shows 0 reviews and 16 complaints and is unclaimed by the business. The page says “16 complaints (100%) have been marked as resolved”; that is ComplaintsBoard’s own marker, not a finding, and it is not combined with the other sources.

This site’s archive. usacomplaints.com has no published posts that name Elevate Recoveries as the subject, so this page contains no archive figures. The counts above come from three separate sources and are not added together.

Lawsuits naming Elevate Recoveries: what the public dockets show

CourtListener’s RECAP archive listed 27 federal dockets with “Elevate Recoveries” in the case name when searched on October 12, 2026, in district courts in Texas, Georgia, Florida, Alabama, New Jersey and other districts, plus a 2022 bankruptcy docket captioned only “Elevate Recoveries.” Most docket pages show entry titles, not the claims or the amounts. The five below were opened on that date; the docket entries are described exactly and no claim or amount is assumed where the docket does not give one.

• Cooper v. Elevate Recoveries, LLC (S.D. Tex. 4:22-cv-02498): the docket lists the cause as 15:1692 Fair Debt Collection Act. Entries show a request for entry of default (November 23, 2022), an entry titled “Default Judgment” (February 6, 2023), a memorandum and order and a document titled “Judgment - Final” (both July 24, 2023) and an order granting a motion for attorney fees “but the Court reduces the fee award to $16,210.40” (September 28, 2023).
• Lobaina v. Elevate Recoveries, L.L.C. (S.D. Fla. 0:25-cv-61553, filed August 1, 2025): entries show a clerk’s entry of default (October 27, 2025), an entry titled “Default Judgment” (November 18, 2025), an order on the motion for default judgment and a document titled “Judgment - Default” (both December 23, 2025), and an order on the attorney-fees motion and a document titled “Judgment - Attorney Fees” (both February 11, 2026). The docket entries do not state the claims or the amounts.
• Mathews v. Elevate Recoveries, LLC (W.D. Tex. 1:23-cv-00044, filed January 13, 2023): a notice of settlement (March 8, 2023), notices of voluntary dismissal (April 10 and April 25, 2023) and an order dismissing the case (April 26, 2023).
• Kroll v. Elevate Recoveries, LLC (M.D. Ala. 3:21-cv-00132, filed February 15, 2021): a clerk’s entry of default (March 29, 2021) and a judgment (April 12, 2021). The docket entries do not state its terms.
• Johnson v. Elevate Recoveries, LLC (D.N.J. 2:20-cv-02440, removed to federal court on March 5, 2020 from the Superior Court of New Jersey, Essex County, by Radius Global Solutions LLC): a notice of settlement (May 5, 2020), an order administratively terminating the action pending consummation of the settlement (May 6, 2020) and a joint stipulation and order of dismissal with prejudice signed July 14, 2020, filed by Radius Global Solutions LLC and Elevate Recoveries, LLC.

A lawsuit filing is an allegation by the plaintiff. This site found no CFPB or FTC enforcement action naming the company in the sources checked on October 12, 2026 (see the next section).

Is Elevate Recoveries Legitimate?

The public record found on October 12, 2026 shows a registered business with a BBB file opened on May 21, 2013 and a start date of September 6, 2012, a CFPB database entry of 365 complaints, a BBB rating of B with 91 complaints in the last 3 years, and several federal lawsuits with the outcomes listed above. The CFPB’s enforcement-actions search for “Elevate Recoveries” returned no results that day, and the FTC’s banned debt collectors page did not list the name. These are scoped searches, not a statement that no action exists.

Whether a specific account is valid is a separate question that only the original creditor’s records can answer. The CFPB says that the validation information (the creditor name, the amount and how to dispute the debt) “will help determine if they’re legitimate and if you really owe it,” so ask for that information in writing, keep copies, and use the dispute routes above. This site does not rate companies and expresses no view on any individual account.

Court & Public Records

Frequently Asked Questions