Date Received: 2020-08-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have been trying to resolve this matter with Enhance Recovery since XX/XX/2019, ERC has only provided a XXXX XXXX, I have disputed this account and asked for validation and this has not been provided. ERC has received serval attempts via certified mail about this matter, I have requested to provide me with the following : What the money ERC say I owe is for Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Contract signed by me to ERC about this debt Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service I want ERC to remove this collection account from my credit reports, do not sell or transfer to another collection agency.
Company Response:
State: CA
Zip: 93720
Submitted Via: Web
Date Sent: 2020-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have repeatedly tried to settle this debt to have it deleted off of my reports with all three credit bureaus but enhanced recovery service refuses to do so. The debt is for {$78.00} and I am willing and able to pay {$50.00} immediately to have this debt settled and removed. Acceptance of this settlement will stop all further collection activity. Failure to respond I will assume that you do not agree on the settlement. Enhanced recovery service has failed to send me any validation of this debt to show proof that it is mine. Nor did they notify me before reporting this negative account to my reports.
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2020-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hi XXXXERC ; For the last 30-60 days, I have been writing and getting on the phone with this company to resolve unknown debt on my name. I even talked to several representatives and they mentioned that they don't even have my social security number or DOB associated with this account. Therefore, I request that this be removed or provided all the details shown on the attachment emails I've sent to them. I was shocked that you guys still pre-printed all the templates of statements and send it to me. This is not a true validation of debt as described by law.
Company Response:
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2020-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XXXX I sent a certified letter to ERC for validation for a debt Original Creditor XXXX XXXX XXXX XXXX for the amount of {$1800.00} On XX/XX/XXXX I received a response from ERC which stated they were unable to validate this debt. Stating the account would be deleted from any consumer credit reporting agency files to which they may have submitted information to. Letter signed XXXX XXXX, Senior Vice President of Operations. On XX/XX/XXXX, the unvalidated account was then re-added back on to my credit report unlawfully. I reached out to ERC via phone to get this removed stating I had received a letter for removal in XXXX. I spoke to XXXX XXXX, who informed me they will not be removing account even though i have a physical notice stating otherwise for not being validated. XXXX XXXX, supervisor refused to get on the phone or have any communication with myself. The debt has already been established as not being valid, XXXX.
Company Response:
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2020-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This amount has been paid in the amount of XXXX of this year
Company Response:
State: IN
Zip: 46226
Submitted Via: Web
Date Sent: 2020-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Thank you for taking the time to review my concerns. While reviewing my credit report from all major bureaus. Enhance Recovery recovering an unfamiliar debt from XXXX XXXX XXXX XXXX has a collection debt of XXXX. According to FCRA requesting documents to support collection and not a phone bill
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2020-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-04
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I'm not familiar with is account. Did not receive any mail about this account or provide the opportunity to dispute the information. Please provide VALIDATION OF DEBT AND METHOD USE TO VALIDATE. Enhanced Recovery CO XXXX XXXX
Company Response:
State: OH
Zip: 44128
Submitted Via: Web
Date Sent: 2020-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Good afternoon, Consumer Financial Protection Bureau. Today I received a letter from ERC regarding a collection notice from XXXX XXXX on an account that I have disputed and it was found that it needed to be removed. The CFPB Claim No : XXXX Filed XXXX & CFPB Claim No : XXXX Filed on XXXX. I have been dealing with this matter since XXXX, We had submitted a complaint with CFPB XXXX XXXX : XXXX. It was requested that the account be deleted. on XX/XX/2020. I submitted another complaint on a notice that I received from XXXX XXXX with CFPB Claim No : XXXX. It was requested to be deleted. The reporting of this accounting violates the Fair Credit Reporting Act ( including but not limited to section 623-b ) & the Fair Debt collection Practices act ( including but not limited to section 807-8 ). I have received threatening letter and call about this account that has already been disputed. I really need you help.
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Recently Enhanced Recovery CO L, flagged my credit report with a collection on a debt that was paid off years ago ( the original debt with was XXXX and I'm still with XXXX ) with the original creditor. When Enhanced Recovery began trying to collect for this discharged and settled debt, I informed them that before I'd pay anything I'd need to receive a verification of debt via mail. They never verified the debt and are wrongfully flagging my XXXX credit report to collect on money the original creditor was paid for. Of course when I touch base with the original creditor they tell me the debt 's been satisfied and that Enhanced Recovery has been informed of this ; of course Enhanced Recovery CO L has no idea of this and insist that they're owed money as they " bought the debt. '' Even more disappointing, these " collection '' specialist can not be reached when you try to call them on the contact number they provided ; how can a XXXX dollar collection agency not provide a working number or accurate contact information? This is a racket, buying solvent and nonsolvent debts and flagging people 's credit for debt that isn't owed. XXXX and Enhanced Recovery should be ashamed of themselves ; shady practices across the board. Please flag Enhanced Recovery for these practices and hold them accountable, at the very least can we get them to remove the wrongful collection from my credit report until they and XXXX verify the debt in writing. Thank you!
Company Response:
State: MI
Zip: 48329
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Collections is not from original creditor. I do not owe ERC-XXXX {$1400.00}. I never heard of ERC. I never did a contract with them.
Company Response:
State: WI
Zip: 53225
Submitted Via: Web
Date Sent: 2020-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A