Date Received: 2019-12-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: back XX/XX/2018 I paid off my XXXX, paid my FINAL bill, and closed my account all in the same day. I do not owe anything to XXXX XXXX XXXX. Looks as if thry did not close my account and still was charging me. I have caller numerous times and never got anything resolved. I have attached screenshots showing all payment and message stating my account has been closed.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: i completed the same process with your company but did not receive any informations from XXXX the debt was reporting to the credit bureau on XX/XX/2019 for the amount of $ {$1700.00} from XXXX XXXX, collection office is Enhanced Recovery company XXXX XXXX XXXX FL XXXX Phone XXXX I have been with XXXX XXXX for the past 10-15 years, i never open any account with XXXX or any other phone company. i am not sure want else i should do please help
Company Response:
State: FL
Zip: 33409
Submitted Via: Web
Date Sent: 2019-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Do I have a contract with you? Please send me a certified copy of the contract the exist between XXXX XXXX & ENHANCED RECOVERY CO. Debt under penalty of perjury. Per the FDCPA/FCRA 15USC 1692 e.g. Breach of Contract by violating the Arbitration Clause. pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. According to the FDCPA After checking my records your company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.
Company Response:
State: MO
Zip: 63376
Submitted Via: Web
Date Sent: 2019-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XX/XX/2018 two XXXX XXXX XXXX accounts were sold to XXXX XXXX in an attempt to collect debts that were not mines. I wrote letters to XXXX XXXX to provide proof that these accounts belonged to me and to also provide a signed contract with my name and they were not able to do that so all collections attempts were ceased and account was deleted from my credit. I see that now those very same XXXX XXXX XXXX accounts have now been sold to Enhanced Recovery Company in an attempt to say these accounts are mines again. The account are in the amounts of {$830.00} and {$610.00}. Please provide me with proof that these accounts belong to me with a signed contract or cease collections on both these accounts.
Company Response:
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2019-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I received a notification today that a collection was added to my credit report in the amount of {$1400.00}. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Company Response:
State: GA
Zip: 30046
Submitted Via: Web
Date Sent: 2019-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Dear ERC Enhanced Recovery Company Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. XXXX XXXX PARTIAL ACCT # # XXXX XXXX PARTIAL ACCT # XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Name : XXXX XXXX XXXX Account # XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$490.00} Date Updated : XX/XX/XXXX Original Amount : {$490.00} Original Creditor XXXX XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$460.00} Date Updated : XX/XX/XXXX Original Amount : {$460.00} Original Creditor : XXXX Past Due : > $ XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2019-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Company Response:
State: CA
Zip: 93312
Submitted Via: Web
Date Sent: 2019-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have had repeated calls from this company after I told them I disputed the debt through the original company as well as them. They continue to call without verifying first which violates the fair debt collection practices.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IA
Zip: 514XX
Submitted Via: Web
Date Sent: 2019-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter from this company ERC stating that I have an option to pay in three payments. The letter does not state that it is a settlement. I have never doe business with this company. This bill is not correct. I have already discussed with XXXX XXXX XXXX that the balance is in accurate. They have a rep that no longer works there who added features and lines of service that I did not ask for. When I would go to the store to get the issue resolved, he said he would handle it and not to worry about my bill. Every month bill seemed to get higher and higher. Another rep promised me that they would resolve the mistakes because the previous rep was fired. That never happened so I canceled my services. I promised to pay the disconnect fees of {$800.00} totaling 4 lines. A week later I received a bill for XXXX. This has also happened to my elderly father after he had a XXXX XXXX and his bill is higher that this. The company is running an unethical business.
Company Response:
State: SC
Zip: 29209
Submitted Via: Web
Date Sent: 2019-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A