Date Received: 2020-01-29
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: XXXX XXXX is trying to collect a debt that belongs to XXXX XXXX XXXX which I signed as a company officer and XXXX when out of business, I call XXXX and was told that they wrote it off as a lost and they are no longer trying collect but can not supply me anything in writting because the debt is to old and they can not open it on their computer. When I CALL XXXX I was told that they don't have that account anymore and was supply with a attorney phone number XXXX account number XXXX. I ask XXXX to removed it my fro my credit report since they don't have the account anymore and was told to call the attorney supply above. When I call the attorneys office all they had was last four of my social and amount owned they where waiting for XXXX for more info from, Now that raised my eye brow. Now I have a different collection agency calling about the same XXXX account. ERC is the collection agency I pick up the phone and call XXXX XXXX they don't know anything about the attorney or the agency ERC. After three hours on the phone all I did was waste my time and can not get a stray answer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33177
Submitted Via: Web
Date Sent: 2020-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-28
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: The company in question is known as ERC located at XXXX XXXX XXXX in XXXX Florida, XXXX. On XX/XX/2020 their office called my home phone ( XXXX ) XXXX. On the third occasion, I answered and they asked for a XXXX who does not nor has ever lived at my home in the 3 years I have had the phone number. I informed the caller that they had the wrong number and that XXXX never has, nor did I know the person they were calling for. On XX/XX/XXXX, I received several more calls and called ERC to speak to a supervisor. I informed them that they had the wrong number again and that I was to be removed from their call list immediately. I was assured that they were going to escalate the request and it would be done within 24 hours. Today, the company once again called my home and I have had enough.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 06118
Submitted Via: Web
Date Sent: 2020-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Per FTC sec 609 companies are not validating credit account. They are simply verifying my information.
Company Response:
State: CA
Zip: 90220
Submitted Via: Web
Date Sent: 2020-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/2019 I moved and closed my account with XXXX. I paid the account in full including their early termination fee. Then 4 months later I get a bill from XXXX ( which I don't have an account with ) saying that I owe an additional {$100.00}. I call the company and ask for documentation showing I owe an additional {$100.00} and they just said it was owed and I have to pay it, I refused to send it. Then since I refused to pay they send it to a collection agency. With a host of illegal scams out here today anyone should be cautious about just paying creditors who don't provide proof of an account with charges. I was already going to cancel the service because of the lack luster products and service as well as their terrible customer service. After this experience I will definitely go on a campaign to inform ALL consumers not to buy ANY of their products!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29680
Submitted Via: Web
Date Sent: 2020-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Enhanced Recovery Company is falsely reporting the original date of delinquency for this bill as XXXX. XXXX refused to correct this when disputed in both XXXX and XXXX. The original date of delinquency was actually in XXXX, and should have fallen off of my credit report by now per Section 516.120 Revised Statutes of Missouri. I have images of the last payment date as noted on my XXXX account, and the following warning email saying that it would be sent to collections. No payment was made after the last payment date represented in these images XXXX XX/XX/XXXX XXXX. The images captured were taken from my XXXX account and XXXX account on XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 65714
Submitted Via: Web
Date Sent: 2020-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Collection opened Indicates the date the collection account was opened XX/XX/2019 Payment Info Original loan amount {$290.00} Balance {$290.00} Updated on XX/XX/2019 Contact XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX I've contacted this company ten times to remove this collection. I did explain to the company I don't own this debit and you have the wrong personing.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07052
Submitted Via: Web
Date Sent: 2020-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-24
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: On XX/XX/XXXX I received a letter in the mail and in that letter was another letter which was from ERC. ERC had sent the letter to an address in XXXX XXXX Iowa and that occupant had opened my mail. I have never lived in XXXX XXXX. I've lived in XXXX all my life. I know they have my correct address because they have mailed a letter before and I disputed.
Company Response:
State: IA
Zip: 514XX
Submitted Via: Web
Date Sent: 2020-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: ENHANCED RECOVERY COMPAN 11 XXXX Is trying to collect a debt from XX/XX/XXXX. They have open an account on XX/XX/XXXX on my credit report stating I open a new account. I have not open any account with XXXX in XX/XX/XXXX. I have disputed this on XXXX and the collection agency stated is refusing to delete from my records. I have no knowledge of this account and want it taken off.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27613
Submitted Via: Web
Date Sent: 2020-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: date open XX/XX/XXXX Paid in full I called the bureau told them about the collection I paid this in the full amount and was told this would be taken off my report and that was back in XX/XX/XXXX.
Company Response:
State: WI
Zip: 53224
Submitted Via: Web
Date Sent: 2020-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 02780
Submitted Via: Web
Date Sent: 2020-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A