Date Received: 2023-04-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I went to XXXX to get service they said I already had an account I never use XXXX and I have a newly reporting collection from the company. Someone signed up with a similar name or used my info.
Company Response:
State: SC
Zip: 29445
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have never received any notification from Enhanced Recovery regarding a debt. I am unaware of this coming and have not been contacted by this company.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act 15 U.S.C1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, ENHANCED RECOVERY CO L has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. Chapters
Company Response:
State: GA
Zip: 30180
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XX/XX/2021 I made a {$200.00} payment to XXXX XXXX XXXX XXXX. A couple days later my credit card company sent me a fraud notification that someone was trying to use my credit card in another state. So I canceled my cards and ordered new cards and made sure the banks were aware of the fraud. Well the payment I had made a few days prior mistakenly got marked as fraud XXXX XXXX XXXX stated that they sent the {$200.00} back to my bank. However, the money was never sent back to the bank. I then made the payment again a couple weeks later to cover the missing money so my service wouldnt be interrupted. They never gave me my {$200.00} in my bank account nor did the take the amount off of my bill. Then a couple months later I canceled phone lines with a XXXX XXXX XXXX representative on the phone but they continued charging me for cellular data for one phone that wasnt even being used on their services anymore, Ive contacted them on several accessions to try and resolve these issues but I keep getting the run around. I even recently spoke with a rep and said I wanted to start services back up again then they started acknowledging the problem but still not giving a proper solution. I have all of my bank statements to prove that XXXX XXXX XXXX never sent my money back into my bank account.
Company Response:
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: SEE ATTACHMENT NOTICE TO XXXX XXXX, THIS IS A WARNING TO STOP ENGAGING IN UNLAWFUL ACTIVITIES, FRAUDULENT ACTIVITIES, RACKETEERING ACTIVITIES, IDENTITY THEFT ACTIVITIES, EXTORTION ACTIVITIES, ABUSIVE ACTIVITIES, DECEPTIVE AND MISLEADING ACTIVITIES AND ILLEGAL ACTIVITIES IMMEDIATELY. IF YOU CONTINUE TO ENGAGE IN ANY ILLEGAL ACTIVITIES WILLINGLY AND KNOWINGLY YOU ARE IN VIOLATION OF 18 U.S. CODE 1028 - FRAUD AND RELATED ACTIVITY IN CONNECTION WITH IDENTIFICATION DOCUMENTS, AUTHENTICATION FEATURES, AND INFORMATION AND SHALL BE PUNISHED AS PROVIDED IN SUBSECTION ( b ) OF THIS SECTION. ( b ) THE PUNISHMENT FOR AN OFFENSE UNDER SUBSECTION ( a ) OF THIS SECTION ( 1 ) EXCEPT AS PROVIDED IN PARAGRAPHS ( 3 ) ( 4 ), A FINE UNDER THIS TITLE OR IMPRISOMENT FOR NOT MORE THAN 15 YEARS, OR BOTH. I TAKE THIS CRIME SERIOUS AND WILL EXERCISE MY CONSUMER RIGHTS IN FEDERAL COURT. NOTICE : Request for Validity of Alleged Debt and FULL Disclosure of Purchase Agreement NOTICE to XXXX XXXX, YOU BROKE THE LAW After checking my consumer report i notice " ENHANCED RCOVERY COMPANY " on my consumer report which appears deceptive and suspicious to me. I am writing this letter to dispute the validity of an alleged debt that you are attempting to collect from me. I have received multiple notices from " ENHANCED RCOVERY COMPANY '' regarding a debt that you claim I owe. However, I have not received any information regarding the origin or validity of this alleged debt to lawfully verify the validity of your claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with full disclosure of the alleged debt, including the following : Full disclosure of the purchase agreement or forward flow agreement related to the alleged debt. Tracking of where you obtained the alleged debt from. The original contract, including wet signatures. The name and address of the original creditor to verify the accuracy and completeness of the alleged debt. I demand that all future communication on this matter be done in writing and that all collection activities cease including any phone calls stop immediately. Please be advised that any person who willingly and knowingly engages in unlawful activities, fraud, identity theft, extortion, abusive acts, any deceptive means in collection of alleged debt, racketeering or coercion and any illegal activities shall incur a penalty and/or criminal liability under the FDCPA. I look forward to hearing from you within 30 days of the receipt of this letter. Failure to provide the requested information will result in the assumption that the alleged debt is invalid and that you are no longer authorized to collect or report on it. NOTICE if you fail to comply and provide what is required under law I will charge you XXXX XXXX dollars ( {$1000.00} ) each day for damages and injuries to my character, reputation, mode of living under the FDCPA and any other applicable law. This is my offer to you. Please note notification shall be complete upon receipt. Thank you for your attention to this serious matter. Sincerely, XXXX XXXX XXXX sent to : Federal Trade Commission ( FTC ) Attorney General ( XXXX )
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have a debt collection with XXXX XXXX XXXX mobility. I have never been a customer with XXXX XXXX XXXX before. I have a debt of XXXX with Enhanced Rocovery.
Company Response:
State: TN
Zip: 37922
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Enhanced Recovery has violated my consumer rights by continuing to furnish data to the consumer reporting agencies regarding an alleged debt as if they are the original creditor. They are violating federal law USC 1692e. They are falsely reporting information to the credit bureaus for an alleged debt not owed to Enhanced Recovery. Enhanced Recovery placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. I demand this debt to be removed from their system and from the credit bureaus systems immediately. The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: 1.I have never had an account with this company Enhanced Recovery Company , REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are Enhanced Recovery Company the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Company Response:
State: TN
Zip: 37129
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: ENHANCED RECOVERY COMPANY XXXX {$1900.00} Account Information Address XXXX XXXX XXXX XXXX XXXX FL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$1900.00} Original Creditor XXXX XXXX Past Due {$1900.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION<
Company Response:
State: MT
Zip: 59801
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Enhanced Recovery is stating I opened an account with XXXX XXXX XXXX in XXXX of 2022 and I never opened an account with XXXX XXXX XXXX in XXXX of 2022. I want this deleted from any credit report this affects because it is incorrect and the allegation is false. I, XXXX XXXX, a consumer, am notifying you that I dispute the debt pursuant to 15 USC 1692g. The one listed on my credit profile states it was opened XX/XX/2022 and the amount says {$1100.00} with a contact address of XXXX XXXX XXXX XXXX, FL. XXXX. It is alleging I opened an account with XXXX XXXX XXXX in XXXX of XX/XX/XXXXand I need you to provide me the notarized contract proving this and as you know, it must include my wet signature. I do not recognize how this account is reporting on my credit report. I do not recognize the account number ; I do not recognize the account status. I also do not recognize the account high balances, nor the late payments associated with this alleged debt. I REQUEST THAT YOU PROVIDE TO ME VALIDATION OF THE ALLEGED DEBTS. VALIDATION CONSISTS OF FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND IT MUST BE NOTARIZED. IT ALSO MUST HAVE A COPY OF MY WET SIGNATURE. Since this alleged debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of these alleged debts which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium whatsoever. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the Aggravated Value of Purchase showing how much you were paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY MONEY FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND IS FALSE AND MISLEADING. THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASSE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 95827
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A