Date Received: 2020-11-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I checked my credit report yesterday, and Enhanced recovery Co LLC added a collections account for {$640.00}. I was never notified via mail about any debt owed to this company. I was suppose to receive written notification of any attempts to collect debt PRIOR to it being reported as a collections account. I have no signed contract with this company. This is not my debt. I do not know who Enhanced recovery is. My rights under the FDCPA have been violated. I will take immediate legal action against this company. I want Enhanced recovery Co to Cease and refrain from reporting false debt to all credit bureaus. I want Enhanced recovery to immediately remove this false reporting from my credit file with all credit bureaus. My credit character and credit worthiness has been defamed! I will follow up with immediate legal action against Enhanced recovery Systems
Company Response:
State: CT
Zip: 06112
Submitted Via: Web
Date Sent: 2020-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Company Response:
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2020-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a notification that I had a collections account on my XXXX credit report from Enhanced Recovery Co L for {$970.00}. The original creditor was apparently XXXX XXXX XXXX. I have not had a XXXX account in years ( and did not have a balance when I stopped using them ).
Company Response:
State: VA
Zip: 20176
Submitted Via: Web
Date Sent: 2020-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Received a letter XXXX XX/XX/2020 from ERC that indicates a balance from XXXX, now part of XXXX, Is unpaid. Amount of debt {$570.00}. Reference number XXXX. I have not had a cell phone plan through XXXX nor XXXX. I believe this is a fraudulent charge. I also did not feel comfortable due to cyber security concerns to call or log onto the website. The letter appeared fraudulent to me, besides the request of money from a cell phone company that I have not used, the ERC website seems unique, and the back of the letter indicates I could pay via cash at XXXX Pharmacy or XXXX. I believe I am a victim of identity fraud Please advise on how to resolve this.
Company Response:
State: MA
Zip: 018XX
Submitted Via: Web
Date Sent: 2020-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-04
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Collection account for XXXX for {$570.00}. Ive tried to settle the debt with the collectors but the collectors will not agree to a deletion letter or pay for deletion.
Company Response:
State: TX
Zip: 75061
Submitted Via: Web
Date Sent: 2020-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This company as do many collection companies buys debt that they've not verified has been disputed in the past with the debtor. The debtor is just trying to clear their books for XXXX to end in the black rather than red. They just think that they can buy it, start making harassing robo calls to the debtee & they'll scare the person into paying. Well they called the wrong person because that doesn't fly with me! I've been repeatedly getting calls from XXXX area code numbers that are in CA. Each time I didn't answer because I don't know anyone that answers calls for numbers they don't recognize. I've blocked all of them including the one that called today. When you try to call them back it says the number isn't valid. That tells me it's a scammer so it gets blocked. I spoke to XXXX XXXX today who was very nice. We went through the verification process & she was able to tell me it was XXXX XXXX XXXX. I told her not very nicely unfortunately, that I don't owe them the amount they claim ( more than {$400.00} ), I endlessly disputed the debt with them because one of their foreign reps with limited English comprehension skills lied to me about an email I received warning me my contract plan was up & to call for new rates. She said to ignore it that my rate didn't expire for another month. Turned out she didn't know what the heck she was talking about, it expired the month I received it, then I received a bill for above {$200.00}! I tried numerous times to resolve this including complaining to several managers. Not 1 tried to help. I complained to the FCC & their corp. office contacted me. That was a disaster in itself. None of them were helpful just rude! They never tried to call me when I was available even though I told them when I would be available ( obviously I was trying to resolve it ), they kept making calls to me when I wasn't able to answer my phone leaving XXXX messages to cover their rear ends. I told them numerous times if they called me after a certain time I'd be at work & would not be answering my phone because my employer doesn't pay me to handle personal business on their time! They tried to make me feel guilty, which I didn't because that pay check was paying their bills!!! I left some pretty tart messages for them. They all finally admitted they have a lot of people to call ( no surprise due to their terrible customer service & error riddled billing system ) & only have until XXXX XXXX to do it. Why couldn't they say that in the beginning?! Because it's XXXX XXXX XXXX & thinking is not their strong suit. I got into an argument with with 1 who kept calling me. She nor any of them really tried to help. Each time she was more annoyed & I reciprocated. She wasn't going to belittle me under any circumstances! I don't tolerate that behavior from anyone. Eventually I quit taking their calls, we weren't accomplishing anything just getting into arguments. They just wasted my time to cover their XXXX because they never had any intentions of helping. Around XX/XX/19 they cut off my service, then billed me for a full month service which I didn't have! I fought with them about that too. One of their managers in the XXXX lied to me saying she would credit the bill & adjust it to the few days which amounted to {$75.00} or so. She gave me her extension telling me to call her back, I did numerous times but she was conveniently never available or no one knew who she was. Again, standard practice for XXXX XXXX XXXX! I got tired of trying to fix the problem. This went on for more than a month. I was in the process of moving & didn't have time to deal with them anymore. So when a collection person called me I briefed them on what happened, how I was treated & that until they corrected that bill to the right amount they would NEVER be paid! I maintain my stance on that to date! That's what I relayed in a shorter version to XXXX XXXX today. I told her to tell XXXX XXXX XXXX to XXXX what I XXXX because it was never getting paid! If ERC thinks because they now own the debt that I'll pay them, WRONG!!! The bill is wrong & I REFUSE to pay an incorrect bill! I don't care who bought it! That's a them not a me problem. I told XXXX XXXX that if they even attempted to damage my credit with this that I would not hesitate to sue them & I will for quadruple the amount + legal fees! ERC should've made sure the debt wasn't in dispute prior to purchasing it. I doubt XXXX XXXX XXXX would've told them the truth but it goes back to what I said, standard practice for XXXX XXXX XXXX. XXXX XXXX XXXX had more than ample time to resolve this with me, & it wasn't like I didn't stress myself out trying, but they refused, blew me off, cut off my service & I returned their attitude without hesitation! Until they fix the bill I will never ever pay it! Like I said let ERC damage my credit & I won't just sue them I'm going after XXXX XXXX XXXX too! I did my part, XXXX XXXX XXXX refused to assist & now it's coming down to a law suit or ERC returning the debt to XXXX XXXX XXXX. They would be smart to send it back! I told XXXX XXXX not to call again & I mean it. If I get another unauthorized call from ERC I will go to the FTC XXXX FCC & report them for harassing robo calls & I'll keep blocking the numbers. If it gets too bad I'll call my carrier & report the issue to them as well! So ERC you lost by purchasing a debt you never verified is actually legitimate. If XXXX XXXX XXXX had worked with me this would be a non issue because I would've happily paid them directly. I'm not trying to skirt debt but I'm also not going to pay something I know is inaccurate either! It's the principal. By the way ERC has YET to send me any written communication! I never received any notification from them just a call. So what makes these idiots think I would begin to consider paying something for which I have NOTHING in writing confirming the legitimacy of their company, or the debt itself?????? Not sure what they're getting XXXX on at that company but they are DEFINITELY XXXX!!!!! Since I never got anything in writing - ever, I have no account number to reference. So tell them to look for it! I used the address they have on file to assist them.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I opened a XXXX XXXX credit card account and made one purchase in I believe XX/XX/XXXX in the amount of approximately {$130.00}. This is all approximate because I never received a statement. Not one. I did receive the credit card so I know that XXXX XXXX had my correct address. In early XXXX I received a letter from ERC stating my XXXX balance was unpaid and had been placed with them for collection. Amount due being {$330.00}. I was shocked because I always pay my bills on time and then I realized I never received any statements from XXXX XXXX. I sent a letter to ERC on XX/XX/XXXX requesting more information about this, following the instructions given in the ERC letter for requesting more information. After not receiving anything I sent another letter on XX/XX/XXXX, again requesting more information and requesting a response by XX/XX/XXXX. I have not received a response. I called XXXX in XXXX and they told me because they had given this account to ERC there was nothing they could do, I had to deal with ERC.
Company Response:
State: CO
Zip: 80016
Submitted Via: Web
Date Sent: 2020-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: ERC contacted me regarding a debt owed to XXXX credit card by XXXX XXXX. The amount was full of fees and other collection charges. We agreed on a amount to settle the account and agreed they would mark the account as closed on my credit. They sent a Written notification and I responded back with a check in the amount and the notification that cashing the check adheres to the agreement to my credit. XXXX cashed the check and then now reported as major derogatory/ charge off. I would have been better off not accepting the offer of full Settlement. ERC, XXXX, and XXXX XXXX have violated the agreement. See attached documents
Company Response:
State: WI
Zip: 544XX
Submitted Via: Web
Date Sent: 2020-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello, My name is XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: ENHANCED RECOVERY COL ACCOUNT # XXXX DATE XXXX {$870.00} ENHANCED RECOVERY ATT ACCOUNT # XXXX DATE XX/XX/2020 {$700.00}
Company Response:
State: PA
Zip: 18102
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A