Date Received: 2019-06-06
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I just found out a Company by the name of ERC charged my credit card {$320.00} on XX/XX/19. On XX/XX/19 was the first time I was informed of this charge. I never heard of this company nor have I given out my credit card number to anyone from this company. I could not get any of the company 's representative to tell me what I was charged for, nor would they tell me how the they got my credit card information. This is a fraudulent action by this company. I am not alone with this complaint from ERC ( Enhanced Recovery Company , LLC ) There are numerous complaints filed on Yelp by other consumers. I did call my credit card company and disputed the charge. Some time ago, I recall getting missed calls messages telling me I was going to Jail and the Federal government was in the process of having me put in jail. I am federal worker, I am still employed as a federal employee and as of XX/XX/19 I remain not incarcerated. It just seem suspicious that My credit card was hacked and this company was able to file for funds from my credit card.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30260
Submitted Via: Web
Date Sent: 2019-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: There is this account in collections on my XXXX credit file that I do not recognize, the account is showing with a status of in collections but the problem is that I never had an account with this company called ERC or XXXX XXXX XXXX, there is no phone number being reported and it says that the account was opened in 2016. I have disputed this account with XXXX and for some reason they tell me that the account was verified as accurate. I know this cant be right because like I said I never had an account with this company. I asked them for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 01610
Submitted Via: Web
Date Sent: 2019-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX of 2019 I received a letter from ERC collections saying that I own {$1200.00} to XXXX XXXX. I called XXXX XXXX to verify the account number on the collection letter, XXXX, but they would verify the debt as the SSN and Phone numbers ( mine ) Didn't match the account. I went to ERC 's site to enter the account number and 'last 4 ' of SSN to look at the 'account ' but they to do not have the correct SSN. Further there is not way to pay the bill on paper. I question if the whole situation is fraudulent. At this point I do not understand how : 1 ) XXXX XXXX allowed an account to be opened against my name without i-Matching SSN ii-Form of Payment iii-Validation of My name against address on file 2 ) The collection agency is linking my name to an account with a different SSN on file Police Report File with XXXX Police Department, XXXX Ohio : XXXX I already have a fraud alert in place as this has happened recently with another company, XXXX, where a fraudulent cable account was created in my name.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44281
Submitted Via: Web
Date Sent: 2019-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XX/XX/2017 The company is XXXX XXXX They have sent an account that was current to collections also they are requesting money on a cellphone that was returned
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21237
Submitted Via: Web
Date Sent: 2019-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-03
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I show three derogatory accounts with the credit bureaus and I'm puzzled as in how this would occur. I have been incarcerated for 10 years, which would be XXXX. It is impossible for me to have done this. This is not at all fair to me and needs to be removed indefinitely
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34208
Submitted Via: Web
Date Sent: 2019-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Enhanced Recovery is attempting to collected on a pass due bill for original Creditor XXXX. The account balance on the collection notice is incorrect. I would like to have XXXX validate this debt they say I owe.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77066
Submitted Via: Web
Date Sent: 2019-06-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX is reporting a debt that needs to be deleted right away. I did not owe the debt and it is inaccurate. XXXX inaccurately charged me and the matter has been resolved with them. There was nothing owed and this is acct is false!! I requested that XXXX XXXX remove yet they failed to accurately review and resolve the matter. There was a transfer of responsibility from my old act ( old act # XXXX ) to my wife 's ( new act # XXXX ). Nothing should have changed yet XXXX failed to do properly make the changes. They eventually figured this out and gave me a credit to our new acct. While I was disputing this charge with XXXX, there should not have been any reporting to the bureaus. I paid the acct while the dispute with them was active in order to ensure that there was no credit report issues. Instead of clearing up this mess, XXXX made more of a mess. Ultimately they realized their mistake and provided a credit to my new acct for the amount that I paid ( {$130.00} ). They screwed up a simple task of transferring acct ownership from me to my spouse. In short, I never owed them anything and my acct which is now my wife 's acct is paid as agreed with no delinquencies. XXXX XXXX need to delete this account Immediately!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94582
Submitted Via: Web
Date Sent: 2019-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX I submitted a complaint with the CFPB regarding an attempt by XXXX XXXX to collect an invalid debt, which they reported on my credit report. Although my complaint was resolved on XX/XX/XXXX and the collection account was removed from my credit report and recalled on XX/XX/XXXX, XXXX XXXX apparently re-sold the inaccurate, invalid, unverified, and unsubstantiated debt to Enhanced Recovery Company ( ERC ). ERC began reporting this debt as a collection account in the amount of {$600.00} on my credit report on XX/XX/XXXX. XXXX XXXX had no right to 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. The following is my original explanation regarding why the debt is invalid : On XX/XX/XXXX I cancelled my account with XXXX XXXX. On XX/XX/XXXX I received an email from XXXX regarding my remaining balance {$1400.00} ( see attached ). On XX/XX/XXXX I communicated with XXXX via their online chat system ( see attached ) 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. 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. On XX/XX/XXXX I paid XXXX {$1000.00} via telephone and was told my remaining account balance of {$38.00} for the 3rd phone would remain in XXXX 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. On 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 final payment I made on XX/XX/XXXX. I also did not receive any notice from the collection agency XXXX XXXX until XX/XX/XXXX, which is months after it was reported on my credit report in XX/XX/XXXX and the dates on my credit reports are also discrepant. The amount being reported on my credit report is {$600.00} with XXXX with an assigned date of XX/XX/XXXX and a delinquent date of XX/XX/XXXX ; {$600.00} with XXXX with an assigned date of XX/XX/XXXX and delinquent date of XX/XX/XXXX ; and {$600.00} with XXXX with a placed for collection date of XX/XX/XXXX. 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 XXXX report. I do not owe the {$600.00} or any other amount to XXXX or XXXX XXXX because my debt to XXXX was paid in full on XX/XX/XXXX. I disputed the collection/debt on all 3 of my credit reports in XX/XX/XXXX and XXXX XXXX refused to remove the collection/debt from any of my reports.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 45424
Submitted Via: Web
Date Sent: 2019-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: 1st collection reported to all 3 bureau until after 5 yrs I wanted to repair my credit. Submitted disputed and complaints and got deleted off 3 reports. Until not to long ago the account was handled to a different collection who age the date. 2nd collection keep reporting false info for a disputed account which was deleted also Was heading in the right direction on credit building, even used a credit building company to get my score to a approval area then old accounts start charging off with the remarks
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2019-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-31
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Enhanced Recovery {$1300.00} Sent letters to the three major bureaus asking to investigate and provide verification of debt per FCRA. XXXX XXXX fail to validate the debt belongs to me. Letters sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am attaching the paper trail with Certified mail receipt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2019-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A