Date Received: 2019-07-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX I cancelled my account with XXXX wireless. On XX/XX/XXXX I received an email from XXXX regarding my remaining balance {$1400.00} ( see attached # 3 ). On XX/XX/XXXX I communicated with XXXX via their online chat system ( see attached # 3 ) and asked if I would be allowed to return the phones, and was told I could return the phones to a XXXX store for credit to my account. On XX/XX/XXXX I returned 3 phones to the XXXX store and I called XXXX as directed to verify the return was credited ; I was told only 2 phones showed as returned in their system. I provided XXXX with the receipt number for verification and was told they would have to do an investigation into the credit for the 3rd phone. I was also informed that I would still be responsible for paying the {$1400.00} because I terminated my contract early. I informed them I would be able to make a partial payment of {$1000.00} as soon as I received the prepaid refund card from my new wireless provider, which could take up to 60 days to receive. I was told as long as monthly payments were made my account would remain in good standing and would not be sent to a collection agency. On XX/XX/XXXX I paid {$400.00} to XXXX via their online system ( which is shown in the bills sent by ERC ) and on XX/XX/XXXX I paid XXXX {$1000.00} via telephone confirmation # XXXX ( also see attached # 3 ), and was told my remaining account balance of {$38.00} for the 3rd phone would remain in Sprints collection dept until refund was credited to account for the 3rd phone. I was assured the account would not be sent to a collection agency. In XX/XX/XXXX and XX/XX/XXXX I called to check the status of the investigation and was told I only owed for the wireless charging pad that I had financed for a total of {$57.00}. I paid the {$57.00} during that call for the charging pad and I was told that payment satisfied the remaining balance on my account. In total I paid {$1500.00}, which was {$19.00} more than the total amount I was told I originally owed. I did not receive any further bills/notices from XXXX after the payment I made on XX/XX/XXXX except for the {$1000.00} payment confirmation email I received on XX/XX/XXXX ( see attached # 2 ). In XX/XX/XXXX I received a collection notice from XXXX XXXX for {$600.00}. On XX/XX/XXXX I disputed the collection via CFPB and on XX/XX/XXXX XXXX XXXX deleted the collection account from my credit reports and stopped collection activity. However, on XX/XX/XXXX XXXX XXXX XXXXransferred the account to Enhanced Recovery Company , LLC ( ERC ). ERC began reporting this debt as a collection account in the amount of {$600.00} on my credit reports on XX/XX/XXXX. XXXX XXXX had no right to transfer/sell the debt to ERC because the debt is not valid, they were not able to validate or substantiate the debt, and they admitted such when they responded to my complaint against them. I am again disputing this debt, with ERC. ERC is also reporting two different addresses as theirs on my credit reports. On XX/XX/XXXX I submitted a compliant via CFPB regarding ERC 's attempts to collect the invalid debt from me. I had never received a notice/bill from ERC, and I also never received any phone calls regarding the invalid debt. I was notified via my credit monitoring service that ERC had reported the invalid debt on my credit reports in XX/XX/XXXX. After submitting my compliant to CFPB, ERC sent me several bills ( see attched # 1 ) and 2 lease agreements from XXXX. However, the documentation does not verify/validate the debt. It also does not reference the payment I made on XX/XX/XXXX in the amount of {$1000.00}. ERC submitted a response to my complaint with CFPB claiming their documentation validates the debt but it does not. The bills reflect accurate accounting until the bills marked " Bill Period : XXXX XXXX, XXXX '' and " Bill Period : Jul XX/XX/XXXX. '' The bill marked " Bill Period : XXXX XXXX, XXXX '' reflects a total amount owed {$2100.00} and states on pg. XXXX of 6 that the purchase option amounts of {$890.00} and {$590.00} XXXX {$1400.00} XXXX would be credited to my account once the devices were returned in good working condition. The devices had already been returned in excellent working condition in XX/XX/XXXX and the amount was deducted from the total amount owed on the final bill provided by ERC/XXXX. However, in the documentation provided by ERC/XXXX, an additional amount of {$600.00} was being claimed by XXXX on the bill marked " Bill Period : XXXX XXXX XXXX. ". This amount is inaccurate and does not reflect the amount shown on the previous bill or in the emailed bill I received on XX/XX/XXXX ( see attched # 3 ). The total amount owed, {$2100.00} minus the total amount due for the remaining monthly lease payments and purchase option price in the amount of {$1400.00} XXXX credited after the phones were returned ), should have resulted in a difference of {$620.00}. Once my payments of {$1000.00} on XX/XX/XXXX and {$32.00} on XX/XX/XXXX were applied I would have over paid XXXX by {$440.00}. ERC also claimed in their response that they mailed documentation to me on XX/XX/XXXX ; however, the only documentation they ever sent was on XX/XX/XXXX which was their response to my CFPB complaint. ERC also claims that on XX/XX/XXXX XXXX attempted to collect a payment of {$620.00} from me that was declined which is false. XXXX attempted to charge my bank account on XX/XX/XXXX in the amount of {$1600.00} and it was declined by my bank as a fraudulent charge ( see attched # XXXX XXXX. ERC claims XXXX wrote off the account on XX/XX/XXXX ; however, the final bill provided by ERC/XXXX shows they accepted a payment from me on XX/XX/XXXX and there is no mention of the account being written off/charged off. Finally, ERC claims the total amount due reflects all charges and fees through the port-out date of XX/XX/XXXX. This proves my payment amounts were after the cancellation date. ERC and XXXX did not provide any documentation that reflects my payment on XX/XX/XXXX. And the amounts shown on the final bill provided by ERC/Sprint show an inaccurate amount. My account was never delinquent with XXXX and they continued to accept payments from me after XX/XX/XXXX, which is the delinquency date being reported on my credit reports. I do not owe the {$600.00} or any other amount to XXXX or ERC because my debt to XXXX was paid in full in XX/XX/XXXX. In addition, I do not owe ERC for the invalid debt. Also, XXXX no longer owns the account as ERC claimed in their response because it was written off/charged off by them in XX/XX/XXXX according to ERC. ERC is attempting to collect an invalid debt from me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 45424
Submitted Via: Web
Date Sent: 2019-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Approximately in XX/XX/2018 my contract with XXXX had expired. All payments were made and i was no longer in need of starting a new contract. I advised XXXX to cancel all services. XXXX then sent an early cancellation fee to collections
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92376
Submitted Via: Web
Date Sent: 2019-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Enhanced Recovery Company collection for XXXX XXXX XXXX in the amount of {$100.00}. This account is years old. It was settled. It popped up on my credit report sometime after it was paid. I disputed it when I become aware of it and sent paperwork to confirm to XXXX. It was removed from my credit report for a period of time. I became aware that it was added back again when applying for credit and being denied. I again disputed and asked for dates, and payment history, which I never received. I have not received notice directly from Enhanced Recovery Company, it only keeps popping up on and off on my credit. It shows on my credit as if it was placed in collections on XX/XX/2018, even though I haven't had XXXX XXXX in more than 3 years, it was initially disputed prior to XX/XX/2018 and readded. The only other explanation is someone else fraudulently used my name because I have not had XXXX in years for any services. I have now been denied credit twice before of this false reporting. It is harassment. I have 24 credit accounts in excellent standing with credits of up to {$20000.00}. This one false negative reporting for {$100.00} has stopped me from getting credit. Enhanced Recovery Company placing this on my credit report without sending me notifications through mail, without providing an account history, it being removed more than once after being disputed to only show up again is harassment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2019-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-06
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: On XX/XX/2019 @ XXXX XXXX I received a call from ERC in XXXX Florida. They asked for my personal information without stating the name of their company or the fact that they were a collection agency. They asked for information without even stating the name of their company. Also they threatened me and harrassed me on the phone telling me they were going to file a lawsuit against me and their team of lawyers would take action against me before even telling me what the debt or call was even regarding. This company should be shut down due to their illegal collection practices.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34652
Submitted Via: Web
Date Sent: 2019-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: We received a letter from ERC to collect in error a " balance with XXXX XXXX XXXX remains unpaid ''. XXXX XXXX XXXX worked out a final payment which was made over a year ago. Per XXXX XXXX XXXX and the Alabama Utilities Commission there is no balance due. Taking our valuable time to address this claim is causing harm to our household.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 35404
Submitted Via: Web
Date Sent: 2019-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ENHANCED RECOVERY CO L XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2019-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The following two ( 2 ) accounts do not belong to nor ever belonged to me. These accounts are fraudulent and I'm demanding that they be blocked from my credit files. I do not Live in XXXX and probably was a minor when these accounts was created. I'm a XXXX so I'm not sure if that's the mix up but what I know fo sure that these accounts are not mines. Please remove these accounts or provide me with physical documentation, signed contract via identification to show just cause of why you and your companies is reporting these accounts. If you can not show physical proof of these accounts then these accounts shall be removed immediately. 1 ) XXXX XXXX # XXXX 2 ) Enhanced Recovery Co # XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 63139
Submitted Via: Web
Date Sent: 2019-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-03
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: Enhanced Recovery Collection is reporting a debt on my credit report from XXXX. I do not have any contract with Enhanced Recovery Collection, I do not have any business with Enhanced Recovery Collection, nor have I ever done business with this company. My account is still active with XXXX in good standing. I have spoken with XXXX on many occasions since this account started reporting on my credit report. After speaking with XXXX I was told my account was never placed with a collection agency HENCE, I am a valued customer with 12 active business lines with XXXX. When calling to speak with Enhanced Recovery Collection they are very rude using profanity, hanging up the phone and threaten to garnish my wages. Attache you will find my monthly bill from XXXX showing this account was paid. However, XXXX does not have this account listed with a collection agency because this account is still open with XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34472
Submitted Via: Web
Date Sent: 2019-07-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-03
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I use XXXX XXXX for credit monitoring purposes and in XX/XX/2019 I discovered that a collection account was added to my report without my knowledge. I never received notification in the mail that the account was in collections nor was I given the ability to dispute the validity of the debt and I was not given the right to request information to verify the debt. Further, I never received a phone call/voicemail letting me know someone was trying to contact me regarding this account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48315
Submitted Via: Web
Date Sent: 2019-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX claims that I owe them money for their service from XX/XX/2018. I have never in my life subscribed to XXXX XXXX. And I have had and maintain XXXX XXXX service at XXXX XXXX XXXX XXXX, FL. The debt is now with a collection agency called ERC and ruining my credit. I have tried to resolve it via disputes online to no avail. THIS IS NOT MY DEBT AND I WILL NOT PAY IT I have identity theft with the IRS as well and companies have breached my information. This is beyond wrong. Where was this service located?? Again, I have never owned a XXXX satellite or received their services nor anyone else in my home.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32503
Submitted Via: Web
Date Sent: 2019-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A