Date Received: 2020-06-08
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Company Response:
State: MO
Zip: 63033
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: - On XX/XX/XXXX I went to an XXXX store with my wife to buy an XXXX. While there the salesman offerred us a special joing XXXX/XXXX " special '' because we were buying an XXXX. The special was that XXXX would install their system for free and that we would only have to pay about $ XXXX/month for basic service ( we only considered it for our young son to watch cartoons on basic service, we don't watch any premium services ). They explained only our first bill would reflect some fees ( totaling about {$130.00}, that we had to pay ( that would be " rebated '' ) and that our service would be about {$30.00} thereafter. - On XX/XX/XXXX they installed the system - The first bill we received in XXXX was for {$70.00} ( almost twice what we had agreed upon ). I called to dispute, sitting on hold for more than an hour waiting for various people to help me. They apologized and said it would be corrected on the next bill. - The next bill came in XXXX and was also $ XXXX ( twice what was represented. ) I called again to dispute and again sat on hold for more than an hour. At this point they said they couldn't discuss until the account was not delinquent so I paid the {$150.00} amount ( for 2 months ). Again, they told me the amount would be corrected on the next bill. - The next bill came in XXXX and was even higher at {$82.00}! Again I called to complain, again sat on hold for more than an hour and again was told it would be " escalated & corrected ''. I told them if they couldn't correct the constant billing errors to take back their equipment and cancel my service. They apologized profusely and assured me this time it would be corrected. It never was. - The next bill came in XXXX and like the others before was more than twice represented, again I sat on hold for more than an hour and again was told they couldn't discuss until the account was not delinquent so I paid the {$130.00} amount ( for 2 months ). Again, they told me the amount would be corrected on the next bill. - The next bill came and FINALLY, after 5 months, was the correct amount at about {$30.00}. - This would only last about a month, as the next one came in as before at double that again. By XXXX we were back to XXXX XXXXmonth and {$110.00} past due and I had a new regular monthly job waiting on hold for hours at a time XXXX. - By XXXX I was feeling like I had been straight out defrauded and shaken down ( every month needing to do multiple hour+ long calls ) So I contacted XXXX to speak to a manager about being defrauded and filled out an XXXX/XXXX dispute form. They told me that they couldn't help me because the contract I had was actually with a " division of XXXX that was especially for XXXX and not XXXX itself '' and that I'd need to contact the XXXX/XXXX. I contacted the XXXX/XXXX and was told the exact opposite. Each phone call an hour plus and each phone call ( that I wasn't disconnected, transferred or hung up on afte waiting an hour+ ) ended in me being told they couldn't help me and that I'd have to call the other. - By XX/XX/XXXX, I was given a FINAL NOTICE that my service would be terminated and that I owed {$130.00} ( I had been double charged and been double paying for almost a year at this point ), called for another hour+ call and told them to come pick up their equipment that I had been defrauded and didn't want the service anymore. They said they would send someone to pick up the equipment. As usual, they never did what they said, no one showed up, and on XX/XX/XXXX the disconnected my service and said I owed ( somehow 5 days later ) now {$150.00}. - My bank checked my credit which to my shock showed a XXXX collection of {$680.00}!!! I have been defrauded by XXXX/XXXX an now they have also ruined my credit!!!
Company Response:
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020 I wrote to Enhanced Recovery Company and XXXX XXXX to tell them that this was ID fraud this was not my account. They sent me print out with no signature or verification that I stated in my letter they had to verify by law. Which they say I owe the amount of {$830.00}. I sent them documents explaining that someone was using my SSN to obtains loans, jobs and cell phones. I wrote Enhanced Recovery Company they refused to take this off my credit report which they are collection company not the original creditor they say it was XXXX. So, I wrote them again XX/XX/XXXX and XX/XX/XXXX know verification that this was my account.
Company Response:
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: To whom it may concern, I pulled my credit report and found this account with your companys information on my file : Account Name ENHANCED RECOVERY CO L Account Number XXXX This account does not belong to me and I need it to be removed off of my credit report ASAP. According to the FCRA Section 605 ( b ), any fraudulent accounts that are on my credit report must be removed off of there within 4 business days. I have also attached my identity theft report as well. Please resolve this issue in a timely matter. Thank you
Company Response:
State: TX
Zip: 78753
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I recently submitted correspondence to all three credit bureaus regarding my identity being compromised with identity stolen an as a result multiple accounts, addresses, and inaccurate bankruptcy have been opened or established in my name without prior consent or knowledge. I completed affidavit report # XXXX through the Federal Trade Commission which is considered a legal document Since XXXX, XXXX, OR XXXX HAS NOT RESPONDED WITH ANY CORRESPONDCE PROVIDING ACCURATE VERIFICATION OBLIGATING ME TO THESE FRAUDULENT ACCOUNTS THAT WERE OPENED FROM IDENTITY THEFT. IN ADDITON SEVERAL OF THE COLLECTORS ACTING ON BEHALF OF THESE FRAUDULENT ACCOUNTS HAVE NEVER EVEN SENT ANY INTIAL 5 DAY NOTICE OF OBTAINING A THE FRAUDULENT DEBT THAT THEY CLAIM I OWE VIOLATING THE FAIR DEBT COLLECTION PRACTICE ACT ALSO ATTEMPTING TO COLLECT ON A FRAUDUELNT ACCOUNT AFTER BEING NOTIFIED BY A CONSUMER REPORTING AGENCY ( XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, ENHANCED RECOVERYCOMPANY, AND XXXX XXXX ARE ALL IN VIOLATION. XXXX, XXXX, & XXXX FAILED TO BLOCK FRAUD RELATED ACCOUNTS WITHIN 4 DAYS OF BEING NOTIFED BY A CONSMER AND HAS FAILED TO PROVIDE ANY VERIFICATION PERIOD AND IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION 605B NOT TO MENTION A DELIBERATE REFUSAL TO REMOVE MY FRAUDULENT ADDRESSES THAT WAS REQUESTED ON MY INITIAL REQUEST. I DONT WANT TO HEAR AN EXCUSE SAYING YOU WILL CONTACT THE DATA FURNISHER FOR VERIFICATION. YOU HAVE HAD MORE THAN THE 30 DAY TIME FRAME ALLOTED FOR TO DO SO AND NOW YOU MUST COMPLY WITH THE FAIR CREDIT REPORTING ACT OR FACE LITIGATION!!
Company Response:
State: AR
Zip: 72076
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: InXX/XX/XXXXXX/XX/XXXX I opened a XXXX account at the XXXX XXXX Location to buy a set of Cribs for my Sister in Laws ' baby shower for her XXXX. I opened this account because they sent me a {$1000.00} credit limit credit card in the mail. We spent about {$390.00} for the 2 cribs and one other item. We agreed to pay about {$94.00} a month for 4 months. We never recieved a paper copy of this contract. On Friday XX/XX/XXXX I called to make a payment. I asked the person how much was owed and he informed me that one of the payments was passed due but not 30 days past due. He told me that 2 payments were due. I asked him to take one payment, on a recorded line, on my debit card and that I would call the following week to bring the account current. When the charge came through my bank, I realized he had in fact charged us 2 payments and the amount taken was {$190.00}. I called back the very same day and explained to the person I spoke with that I authorized them to charge me only one payment and not 2 payments and the representative charged us 2 payments. He assured me that he would issue a refund and that the refund would come back to us the following week 3-5 business days later. He then informed me that because he issued a refund the account would be passed due unless I paid an additional payment. So I paid an additional payment with the understanding that the refund would be issued the following week. He also informed me that my bank account would not show the new charge until Monday XX/XX/XXXX because the business day had closed by then. So Monday, XX/XX/XXXX the third charge of {$100.00} was taken out of our ccount. No refund was ever issued for these 3 payments. I called the company on a weekly and sometimes daily frequency to get the refund issued and was passed from representative to representative over the course of the next several months and the refund was still never issued. Because of this triple charge other things on the account were not able to be paid and there were overdraft fees and a whole bunch of problems with our bank because of these charges that were never authorized. I eventually had to contact XXXX XXXX XXXX XXXX ( my bank ) and ask them to pursue the company for the triple charge. A dispute was filed, and eventually XXXX was forced to issue the refund. Once they finally issued the refund several months later at the end of XX/XX/XXXX, the dipute was lifted and I paid the account to current in 2 payments of {$210.00} on XX/XX/XXXX, and XX/XX/XXXX to close the account. Once the dispute was complete, they penalized me by reporting to all 3 credit bureaus that my account was 90 days, and 60 days past due even though there was an active dipuste ( This is account FTC laws as I understand them ). This has prevented us from being able to get a mortgage and highly impacted my credit scores. However, this was not the end of the issue. We were unaware that they reported this account 90-60 days past due as this showed up on our credit later, and we got another account with them. They had to run our credit again and gave us a different credit limit and opened a new account on our credit reports. This new account was paid earlier than agreed and closed in XX/XX/XXXX, yet it is still reporting open and with late payments. The current account that is reporting that it was 90 days and 60 days late was in fact opened in XX/XX/XXXX. How is it possible for it to have been 90 days late and 60 days late in XXXX, XXXX, XXXX, and XX/XX/XXXX if it wasn't opened in XX/XX/XXXX? I have approached the company asking them to coorect these various issues. Each time I call I am given a different answer, I called once they told me it would be deleted within 3-5 business days, then I was told they can't delete it because it was in fact late even though there was an open dispute, then they told me they would escalate it and return my call, and each time the account remains the same and now when I call they transfer me directly to a voicemail and my call is never returned. I have disputed this account on the credit beruaes to no avail.
Company Response:
State: CA
Zip: 93551
Submitted Via: Web
Date Sent: 2020-06-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response:
State: MA
Zip: 02780
Submitted Via: Web
Date Sent: 2020-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2020-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello, I received a copy of my credit report and there is an account. I am not familiar with any account with Enhanced Recovery. I have reached out to Enhanced Recovery and have been unsuccessful in communication and verification of any debt with this company. I am requesting Enhanced Recovery remove this account from all XXXX, XXXX and XXXX. Please find the attached letter to Enhanced Recovery. Thank you, XXXX XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Hello, I am XXXX XXXX. I am a veteran and I served 7 years in the XXXX XXXX I am just trying to fix my credit score and need help from XXXX XXXX XXXX XXXX XXXX. I have recently paid off a debt. I know that there is a 7-year time frame to remove it from my credit bureau reports. I have tried everything and have been going back and forth with Enhanced Recovery company and XXXX XXXX XXXX XXXX XXXX. I am trying to buy a home here in Texas and ask if you can please work with me and remove the XXXX balance paid from my three credit bureau reports. I apologize for my lack of responsibility and will never do it again. I am XXXX, I have been traveling the world and now ready to settle down and buy a home. Can you please help me accomplish this goal.
Company Response:
State: TX
Zip: 78653
Submitted Via: Web
Date Sent: 2020-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A