Eastpoint Recovery Group: Who They Are and Your Rights

Type

Collection agency

Also known as

Eastpoint Recovery Group, Inc.; EastPoint Recovery Group

Headquarters

Buffalo, NY

25 debt collection complaints were sent to the Consumer Financial Protection Bureau about Eastpoint Recovery Group, Inc from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is Eastpoint Recovery Group?

Eastpoint Recovery Group, Inc. is a debt collection agency in Buffalo, New York. We could not find an official website for it: the eastpointrecoverygroup.com domain showed a suspended-account page when we checked, and eastpointrecovery.com redirects to a different business. What we know comes from public records.

• Texas bond. The Texas Secretary of State lists an active debt collector bond for EastPoint Recovery Group, Inc. at 1738 Elmwood Avenue, Suite 104, Buffalo, New York 14207 (file 20160123, filed June 28, 2016). Three earlier bonds, filed from 2011 to 2014 at 26 Mississippi Street in Buffalo, were later cancelled.
• New York City license. The city's Department of Consumer and Worker Protection issued the company a debt collection agency license in November 2011 (1413511-DCA). City records show that license as expired in January 2025.
• BBB profile. The Better Business Bureau gives an incorporation date of March 1, 2011, the Elmwood Avenue address and a phone number of (800) 459-2417, and lists Amy Constantine as vice president and secretary.

Because there is no company website to compare against, check the address and phone number on any letter against these records before you pay.

Why Eastpoint Recovery Group May Be Contacting You

We could not verify which creditors Eastpoint Recovery Group collects for. As a licensed third-party agency, it collects accounts that lenders, debt buyers or other businesses place with it. The creditor's name has to appear in the validation notice it sends. Until you see that notice, treat a phone demand with care: ask for the company's mailing address, the creditor and the amount, and don't give out bank or card details.

How to Check a Debt Eastpoint Recovery Group Says You Owe

• Ask for the notice in writing. It must show the creditor, the itemization date and the changes to the balance since then (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing within the validation period if anything is wrong or unfamiliar. Eastpoint must stop collecting until it sends verification. See how to dispute a debt.
• Identify the current owner. Older accounts are often sold more than once, so ask who owns it now and who the original lender was.
• Check your credit reports to see whether the same debt is listed by more than one collector, and whether the dates match.
• Don't restart the clock by accident. Texas generally allows four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states have different rules, so read about whether a payment restarts the statute of limitations before paying on an old account.

What Eastpoint Recovery Group Can and Can't Do

Eastpoint is a "debt collector" under the FDCPA when it collects debts owed to someone else (15 U.S.C. § 1692a(6)).

• It may not threaten arrest, jail or criminal charges over an unpaid consumer debt (15 U.S.C. § 1692e(4), (7)). See can a collector threaten arrest or jail?
• It may not imply it is a law firm or government agency if it isn't (15 U.S.C. § 1692e(1), (3)).
• It may not leave messages that reveal the debt to people who share your phone (15 U.S.C. § 1692c(b)).
• It may not call more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).

We did not find a CFPB enforcement action against Eastpoint Recovery Group. If a collector's conduct crossed these lines, see our Texas FDCPA attorneys page.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Eastpoint Recovery Group or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• Texas Secretary of State: debt collector bond search (Eastpoint Recovery Group, files 20160123, 20130253, 20110269, 20140259)
• NYC DCWP license record 1413511-DCA (NYC Open Data)
• BBB business profile: Eastpoint Recovery Group, Inc. (address, incorporation date, principals)
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: Eastpoint Recovery Group, Inc, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Eastpoint Recovery Group has violated any law. Company details change; tell us if something here is out of date.