Date Received: 2020-03-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Okay Enhanced Recovery Company has been a thorn to me for the last few years. They have neglected to validate the debt. Not to mention the inaccurate they reported
Company Response:
State: FL
Zip: 33060
Submitted Via: Web
Date Sent: 2020-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-18
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have been mailing ERC since XX/XX/XXXX, asking for validation of this account, ERC has not provided validation of the debt, ERC admitted that they are not the account holders, so why they are reporting a negative account to my credit report, ERC is not the account holder, and they are affecting my credit score, they still calling at least 10 times per day, I have send a certified mail asking for cease calls and send validation of this account, TransUnion and Experian are being aware of dis un-validated account. ERC Keep re-again this account, this is also affecting my credit score. Account NameENHANCED RECOVERY Account Number XXXX Account Type Collection Date OpenedXX/XX/XXXX StatusCollection account. {$880.00} past due as of XX/XX/XXXX. Status UpdatedXX/XX/XXXX Balance {$880.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$880.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ERC, a Debt Collection agency has an agreement with me to collect {$50.00} per month to pay a debt I owe. In XXXX on the XXXX they charged me {$50.00} from my bank account and then on the XXXX the same. Payments were to be made on or about the XXXX of the month and have been like that since XXXX. In XXXX was charged 2 times by this company. Once on XX/XX/XXXX and once on XX/XX/XXXX. I have attempted to speak to someone at ERC but have been hung up on numerous times, laughed at, transferred to dead end lines and finally given the presidents number only to find his voice mail full. When I called back about this I was to keep calling it till someone picked up. They refuse to put me in touch with whoever might be able to help me. I am on a shoestring budget as I am XXXX and unable to work, so an extra {$50.00} is kind of a big deal.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2020-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Was saying I owe XXXX {$580.00} dollars for a phone bill I never had
Company Response:
State: NJ
Zip: 08721
Submitted Via: Web
Date Sent: 2020-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have never opened an account with XXXX XXXX. I have never done any kind of business with XXXX XXXX. I have no knowledge whatsoever of this debt. This is not my debt. I have never done business with XXXX.
Company Response:
State: TX
Zip: 76502
Submitted Via: Web
Date Sent: 2020-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I contacted ERC XX/XX/XXXX for debt verification after inaccurate information appeared on my XXXX credit report. I informed them that I lived in XXXX and that I was unaware of the debt nor had I received written communication regarding the debt. I informed ERC that I was willing to pay the debt if the item was deleted from my credit report to which they refused several times. I spoke with 3 different supervisors XX/XX/XXXX and XX/XX/XXXX all of which refused to remove the inaccurate information from my credit report. I contacted the original creditor XXXX XXXX XXXX to inquire about the debt. I was informed of the balance owed and date of first delinquency. The information reported on my XXXX report from ERC is time barred since the date of first delinquency with the original creditor is XX/XX/XXXX. ERC is reporting a date of first delinquency of XX/XX/XXXX and a removal date of XX/XX/XXXX which is inaccurate. Furthermore I never received written communication from XXXX XXXX XXXX nor ERC that a debt was owed and thus was unable to rectify nor dispute it.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In XXXX of 2018 I chose to upgrade my XXXX for a XXXX XXXX phone. They stated that I would have 14 days to return the device if it did not work out. Well I did just that. The device had called 911 multiple times, and would freeze, lock and shut down. So on XX/XX/XXXX I returned the device after having issues with the local XXXX stores in Washington saying they couldn't accept it since it was an online order return. I returned the device per their smart label return envelope. I got multiple notifications that if the original device ( XXXX ) was not returned since it was a trade in, that I would be charged. After an amount of time they wound up charging me FOR THE XXXX, despite the fact that I told them I was using it which they could clearly see because I returned the other XXXX phone due to the issues. They said that they had not received it back yet and continued to charge me for the monthly fee for the XXXX phone as well. This caused my bill to just keep creeping higher and higher. There was MULTIPLE cases submitted to try to " fix '' it. I spent hours on the phone with different people and at the end of the day it was still not resolved. So in XXXX of 2018 they shut my service off for non-payment because they had charged me hundreds of dollars I DID NOT OWE THEM. The tracking showed the phone was picked up. They told me verbally the phone was in their system, but that another department had to " refund '' the account for it. So finally when the account was officially closed, they also charged me for the remainder of the XXXX phone that I didn't even have since it was in their possession. They then continued to try to collect the money, yet I do not owe them well over {$1000.00} of what they are trying to charge me and collect on. Then despite everything, they never tried to rectify the account and sent it to collection. I never got notice of the collection from the collection agency, and now the agency is reporting on my credit also trying to collect money NOT OWED.
Company Response:
State: TN
Zip: 37040
Submitted Via: Web
Date Sent: 2020-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Enhanced Recovery Company says that I owe them some money for debt on a XXXX account. They constantly call me and have sent letters to me about it. However, I have never been a XXXX customer. My phone is from XXXX. XXXX says that my credit report is accurate, but I don't think it is.
Company Response:
State: ID
Zip: 83616
Submitted Via: Web
Date Sent: 2020-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Enhanced Recovery Co, reported address XXXX XXXX XXXX XXXX FL XXXX, phone # XXXX reported a debt owed of {$2400.00} from XXXX XXXX. I attempted to contact the number provided and it is not in service. I have not had an XXXX account in over 7 years, and it was paid in full. I have never been contacted by XXXX or Enhanced Recovery Co regarding this debt. It suddenly appeared on my credit report in XX/XX/2020. I attempted to contact the company with a number I located on XXXX search on XX/XX/XXXX at XXXXPST. I was told that I had to provide my entire social security number in order to pull up my file. I am not comfortable providing my social to a company who I have no idea their interest or intent. The company does NOT list an account or reference number on the file in order to discuss the account without giving my personal data I contacted XXXX on XX/XX/XXXX at XXXX PST and they advised via my social security number that I do not have any associated debt with their organization.
Company Response:
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2020-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have a collection with Enhanced Recovery Company LLC, for an account with XXXX XXXX that was opened in XXXX Florida in XXXX. As of XX/XX/XXXX, my address is XXXX XXXX XXXX XXXX, XXXX NJ XXXX and my cellular service is with XXXX XXXX, so is my home internet service. I have never opened an account with XXXX XXXX. I have disputed the debt with Enhances Recovery who continues to put the debt on my credit report. They have not provided anything to suggest I opened this account. No mail, nothing. Just a collection on my report for something I do not owe.
Company Response:
State: NJ
Zip: 08618
Submitted Via: Web
Date Sent: 2020-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A