Date Received: 2019-05-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have never conducted business with XXXX. My phone service provider is XXXX and has been XXXX for nearly a decade. After being repeatedly harassed by the representatives at Enhanced Recovery, I mailed them 3 separate cease and desist letters to both XXXX XXXX XXXX, XXXX, FL XXXX AND to XXXX XXXX XXXX XXXX, FL XXXX. Along with those letters, I included requests for Enhanced Recovery to remove their collection account from my XXXX report because I have not conducted business with XXXX. I also sent 2 letters to XXXX at XXXX XXXX XXXX XXXX XXXX KS XXXX containing copies of the notices I sent Enhanced Recovery and letting them know as well that I had never opened nor authorized any XXXX account to be opened using my social security or personal information. In fact, I do not have ANY XXXX accounts listed on ANY of my credit reports which leads me to believe that the account was either opened fraudulently, or whatever debt being claimed by Enhanced Recovery is over 7 years old and they are aggressively reporting a fraudulent zombie debt erroneously as a brand new debt on my credit report. When I have been contacted by their representatives, they do not identify who they are or what company they are calling from. Reverse look ups of the phone numbers they dial from reflect their company due to a litany of other people who share similar experiences to mine with their company. Their collection agents demand personal information from me like my address and social security number. When I refuse to give my social security number to strangers, I have been yelled at and called a liar, deadbeat and most of their calls end up with them cursing at me and hanging up in my face. When request to speak to a supervisor to get more information on their company and explain that I am not familiar with any XXXX credit obligation because I dont do business with that company, the representatives refuse to connect me to a supervisor or manager. The agents who have contacted me tell me that they have never received any letters of any kind from me. They continue to harass me, tell me that they have obtained judgements in court against me and that I am required by order of the judge who gave us the judgement to pay them immediately in full for a debt that I dont have knowledge of and on several occasions I have explained this to them. They say that the debt will never be taken off my credit report and that it will report forever. I am afraid of their representatives saying that they can come collect in person if I refuse to make a payment with them over the phone. One of their very rude and profane male representatives told me that this debt is verified to you, quit lying about it and just pay it off and that they collect debts and will get the money by any means necessary. I know that if this is how they are threatening me, then this is how they as a company train their collection agents to berate and harass any person with a valid or invalid account being held by their offices. I am requesting a full investigation into Enhanced Recovery, including a full review of their business practices and audit of other customer complaints like mine against their company. They can not be allowed to continue operating beyond the scope of required business practices for a debt collection agency. I have exhausted all avenues to get them to stop harassing me using my personal information, work information and family contacts. I have advised Enhanced Recovery several times to discontinue their harassing communications with me and to cease their reporting of a debt that I do not own to XXXX ( and any other credit reporting agencies ). I submitted multiple written requests for Enhanced Recovery to remove their collection account from my XXXX report because I have not conducted business with XXXX. Now, after consulting with a legal advocate attorney who is handling other complaints against Enhanced Recovery, I intend to seek all options including any compensation available to me based on the evidence that documents in full detail their continued aggressive harassment, their collection agents notices of lawsuits and judgements obtained against me, and a conscious refusal to abide multiple cease and desist letters barring them from harassing me, my employers and family regarding a debt that I never authorized and have no knowledge of.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23059
Submitted Via: Web
Date Sent: 2019-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Set up an payment agreement to pay and remove off of my credit report. Opened in XX/XX/XXXX closed beginning of XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 41018
Submitted Via: Web
Date Sent: 2019-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX I contacted Enhanced Recovery Company ( ERC ) in regards to an account listed on my credit reports. I requested validation for this account in which they responded with the attached documents. The document was a bill for which I have no knowledge of that was dated for XX/XX/XXXX. As you know, the statute of limitations in the state of South Carolina is 3 years and the debt can remain on the consumer 's report up to 7 years. It has now been almost 11 years and this debt is still showing up on my account with a balance of {$38.00}. I request that this collection account be removed from my report immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29526
Submitted Via: Web
Date Sent: 2019-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The debt is related to cable company TV box, returned in New York in 2016, and mistakenly recorded as not paid. Have since resolved the issue with the cable company, but the debt was sold to a collection agency. Since then, have been receiving letters and phone calls about the debt. Now, the debt appeared on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90266
Submitted Via: Web
Date Sent: 2019-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Opened XX/XX/2017 Amount {$480.00} Account was closed but they sent to enhanced recovery company. Disputed. They never sent verification
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 61820
Submitted Via: Web
Date Sent: 2019-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX sent me collections for {$800.00} regarding an XXXX. XXXX claims I never sent the XXXX back. I sent the debt collector the receipt from the box I shipped back containing the XXXX in excellent condition. The collection was removed from my credit report from providing evidence. XXXX then had my collection transferred to another agency so it remained on my report ... Ive already proven this is a false debt and they will not remove.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2019-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-18
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XX/XX/2019 I received a phone call where I was told it was being recorded and I stated to the company to stop calling me. I then received a phone call on the same day at XXXX which I did not answer. I then recieved another phone call on XX/XX/XXXX at XXXX XXXX and when I was asked to speak to a manager they refused to allow me to speak to one and I again statted to remove my phone number. I never received my validation notice from this company and when I told them they had my wrong address they didn't even ask for my new one. After telling them I didn't want any more phone calls on XX/XX/XXXX they continued to ask for a payment in full
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NH
Zip: 03062
Submitted Via: Web
Date Sent: 2019-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I XXXX XXXX THIS BILL WAS ALREADY PAID AND ATT KNEW THAT BEFORE THIS GOT TO THIS POINT, THEY NEED TO REMOVE THIS FROM MY ACCOUNT BECAUSE THIS IS A MISTAKE ON THERE PART CAUSE THIS BILL IS ALREADY RESOLVED
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38111
Submitted Via: Web
Date Sent: 2019-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-17
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: A company Enhanced Recovery added a credit collection to my report stating this was opened XXXX of this year and I know which account this is ... it was opened 5 yrs ago or more for air time on a cell phone, and I tried to get them remove some of the erroneous charges on my bill for a long time back then. I had XXXX dispute it and they left on my report ... XXXX removed it from theirs ENHANCED RECOVERY CO XXXX Original Creditor XXXX Open Date XX/XX/2019 Balance {$1500.00} Contact Information XXXX XXXX XXXX, XXXX, FL XXXX XXXX ( XXXX ) XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2019-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-17
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: Im not even sure what account they are referring to because I have expressed to them that the lease company XXXX failed to pick up their product after I called them and informed them that I am no longer wanting the product. They proceeded to make a deal with the guy that still lived there and after that I am unsure of what happened, I was not contacted by them at all until the account was sold to ERC apparently. I am not fond that they are now calling my employer asking for me and informing the person answering the phone that they are indeed a debt collector. It is embarrassing and it creates a bad image on my behalf with my employer. Im not even sure how they found out where I work at because I never gave them that information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 620XX
Submitted Via: Web
Date Sent: 2019-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A