Date Received: 2021-09-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: CREDITOR IS NOT ORIGINAL ACCOUNT GRANTOR, DISPUTED TWICE BEFORE ASKING FOR ORIGINAL RELATIONSHIP DOCUMENTS BEARING THE CORRECT GPS LOCATION DATA VALIDATING THE DEBT WAS LEGALLY OBTAINED. I RECEIVED NO COMPLIANCE, I THAN ASKED CREDITOR TO PROVIDE ME WITH THE METHOD OF VERIFICATION USED TO INVESTIGATE THIS CLEARLY INACCURATE DISPUTE? ALL I ASKED FOR WAS THE ( CONSUMER CONTRACT BEARING MY WET SIGNATURE ) TO VALIDATE THIS ALLEGED DEBT BELONGS TO ME AND I STILL HAVE NOT RECEIVED ANY COMPLIANCE WITH THIS COLLECTOR. Please have collector provide ORIGINAL DOCUMENTS AND statements stating the debt belongs to me, the debt was sold, or the debt was purchased. FDCPA legal time frame STATES YOU MUST inform me WITH A NOTICE ( 5 days ) OF YOUR ORINGINAL PURCHASE DATE, ABOUT THE PURCHASE OF THE DEBT. Please provide original relation documents betwen original creditor or remove this from my account for it is a violation of the FDCPA to try to collect on debt that you not verify as correct or true, If you claim to have verified this account and claim to have sent the formal notice of obtaining the debt than please send original copies of documents sent or remove this my report.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I would like to sign a complaint against XXXX phone company. XXXX has reported on XX/XX/2020 that I owe the company {$1900.00} and that is not true I do not know who ordered this phone I have reached out to XXXX XXXX & ERA Collection agency and they have made it clear that this problem is in collections now and need to be paid in full I have tried to explain that I have never Used this service before and I would like a full investigation if possible.
Company Response:
State: NJ
Zip: 08611
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: ERC Collections repeatedly calls looking for " XXXX ''. I am not XXXX, I have told them they have the wrong number, and they agree to remove my number from their files. The calls continue, it's been nearly 3 years. At this point, it can not be caused incompetence or an honest mistake, it is willful and intentional harassment. I have no business relationship with this company, and never had.
Company Response:
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX/XXXX MC with a balance of {$2000.00} was settled via phone conversation between XXXX XXXX XXXX agent and XXXX XXXX representative on XXXX for {$710.00} lump sum payment to be received by XXXX XXXX on or before XXXX. {$710.00} was debited from reserve account with XXXX XXXX XXXX on XXXX. Check # XXXX from XXXX XXXX XXXX was endorced by XXXX XXXX on XXXX. PLEASE NOTE the account of origin for this check.. this was not a personal checking account, but a reserve account that would have only been in place to serve in debt consolidation efforts. This was a settlement payment! Check was incorrectly posted by XXXX XXXX as a payment on the pre-settlement balance rather than accepted as the settlement payment in full. ERC Collections notice, received XXXX ( 4 years later! ), stated that the account remains unpaid with a balance of {$1600.00}. Copies of settlement agreement, reserve account debit, and endorsed check mailed to ERC Collections on XXXX. ERC Collections notice, received XXXX, states that payment of {$840.00} will settle the account for less than full balance. This account was settled in XX/XX/XXXX. No further settlement terms are needed or secure.
Company Response:
State: MO
Zip: 63755
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I recently viewed my credit report and found out that there is an alleged debt that has been placed on my credit report i have no knowledge of this debt is fraudulent i have attached an FTC report please remove this account from my consumer reports with the credit reporting agencies
Company Response:
State: NY
Zip: 10705
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ERC debt collection attempting to collect on a debt that was not mine. This same claim from a XXXX account was sent to another collection agency 2 years ago and through legal means was removed from my credit report. Now ERC is reporting that same debt on my credit report and calling to collect. They are rude and abusive and completely incorrect. I also explained that the statute of limitations has past for Arizona even if the debt were mine but they do not care. I also suggested that the federal statute for cell phone debt ( My assumption because they say XXXX ) is 2 years but they are undeterred and are still reporting this to my XXXX report XXXX They are combative and rude and have stated that they would stop calling and reporting to XXXX but they have not.
Company Response:
State: AZ
Zip: 85364
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Good Afternoon. First and foremost, I, XXXX XXXX XXXX, is filing this complaint. ERC Collections sent a letter to my parents home in XXXX, XXXX First and foremost, I haven't lived in XXXX since College, which was XXXX. Secondly, I have never had an account with XXXX. I am requesting that they cease communication and that they remove this account from my credit immediately. I will sue if they keep this on my credit. I have submitted an identity theft report from the police station and from idtheft.gov. They have contacted me twice and I do not owe anything. Now they are reaching out to people that they think are associated with me. I am a victim of identity theft and I am requesting help with this issue immediately. Thank you.
Company Response:
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: In XX/XX/XXXX, I received a Collection 's Notice from ERC. I have made one complaint against this company and now I am making my second complaint! I have told ERC repeatedly that I paid the amount that XXXX XXXX claims I owe two years ago! ERC informed me they were going to do an investigation regarding this matter! However, all their investigation concluded was the same amount from their Collection Bill! I have been told repeatedly that I would be transferred to a supervisor, but everytime I just get hung up on! I was even told by one representative that he would pay a bill even if he did not owe it! This was only an attempt to get money out of me! I have repeatedly disputed this charge and ERC has now informed me that they would just send this collections back to XXXX XXXX! They have not sent me any notice telling me that this has been done and according to XXXX XXXX, they are claiming that ERC has not sent this debt back to them! ERC has not used any cursing or abusive language, but has used manipulative tactics in order to get money from me and has repeatedly lied about this debt! I did not even have to reach out to them, but I did in order to clear this matter up! ERC is deceptive! XXXX XXXX is a fraud and should not be allowed to make money by selling this so called debt to Collection Agencies and ERC should not use deceptive practices in order to force people to pay for this bill! I paid exactly what XXXX XXXX told me I owed two years ago! Now, out of nowhere, two years later, I receive a Collection notice from ERC! They need to believe me when I tell them I paid this entire balance two years ago and not use manipulation or lies in order to make money! I am tired of this! I want this charge dropped and for these Collection Agencies to leave me alone! If not, they will all be sued in Court, including XXXX XXXX! The amount they are saying that I owe is : {$160.00}. The date I received the collection notice from ERC is : XX/XX/XXXX. This is from a debt from XXXX, which I paid! I showed them my bank statement, but now XXXX XXXX claims I owe more, when I have not heard from them in two years! I have tried to settle this matter with ERC from : XX/XX/XXXX-XX/XX/XXXX. I stopped then because no one will listen to me and all I continue to hear are lies and manipulating me into paying something I already paid two years ago! XXXX XXXX and ERC and any other collection agency that does these practices should be held accountable!
Company Response:
State: AL
Zip: 356XX
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent a certified letter to Enhanced Recovery XXXX XXXX XXXX XXXX Fl XXXX on XXXX XXXX. The letter is requesting written validation of this debt they say I owe. I have received no written communication from the company. I have received several harassing phone calls from this company.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX has been adding debt to my credit for a long time and never disputes it correctly I have been a victim of identity theft for a long time and nothing is helping
Company Response:
State: LA
Zip: 70806
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A