Date Received: 2019-05-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: ENHANCED RECOVERY COMPANY has put a debt collection notice on my XXXX credit report. This account was already removed from my report and they have tried to illegally re-age it by adding it with a new date to make it appear as if it is a new account. I have not received anything prior to this notification and it is detrimental to my credit score and my ability to use my credit to rent an apartment, buy a car, and other things that require a good credit score. I have filed a complaint with the CFPB before and they had to remove it. Now they are trying to add it again in hopes of damaging my credit score and causing distress to my life. This needs to stop. I will also be filing a report with my California State Attorney General to let them what this company is doing.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95973
Submitted Via: Web
Date Sent: 2019-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The company is XXXX. I had XXXX for about 12 years maybe more but in 2017 I took my phone into the store to get it fixed however because my contract was over the clerk insisted that it would be cheaper for me to just get a new contract. I said no at first because I was already in the market for a less expensive monthly payment. The clerk was very adamant on how my monthly payment would be way less then I was currently paying. Because I had been with XXXX for so long, I agreed, thinking that I would be paying less. my first months bill was way higher then what I normally paid with the old phone and after 2 more months of high charges. I decided to go back to the store and cancel the contract. Of course when I got there they had a different attitude.. there was no way I would pay less the clerk said and my only option was to cancel the contract and turn in the phone. a couple of month later I started receiving calls trying to collect on the price of the phone and the early cancellation of the contract. The manager of the store took the phone from me but yet they want to collect on a phone I returned ... they want to collect on a contract that was falsely sold, just so the clerk can get a commission. They reported me to the credit bureau. shame on XXXX! they should be reported too.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2019-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello, I received a call from Enhanced Recover Company. The young lady stated they were collecting on an XXXX bill from XXXX in the amount of {$190.00}. She reference my mothers address and that is the address i no longer reside at. I advised i cant remember that far back and advised i don't recall ever having XXXX Service at All. She started asking me question about fraud and if anyone has opened any accounts in my names. I asked her to send me a debt validation letter which i received on XX/XX/XXXX. The only thing that was on the letter was the creditor name last 4 of account number that all. Their was no phone number no list of charges or any plan information that would identify the account was mines at. I don't recognize this account and indeed why would i get a call almost 7 years later about this matter?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: 73115
Submitted Via: Web
Date Sent: 2019-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This debt was released because of military service and me going to XXXX and not being able to take the phone so per military clause they closed it. It was already removed from credit bureaus and I was just able to open a new account with XXXX which would never happen if I had a current debt with them. Now it creeped back up and is showing on my report. I'd like it removed immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33904
Submitted Via: Web
Date Sent: 2019-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Alleged debt occurred XX/XX/2016 by ERC XXXX, FL. Upon sending Proof of Debt letter ERC retracted their claim. Contacting XXXX trying to obtain 1st report of debt they were rude, evading and hung up on me several times. Upon beginning of calls I was informed of possibility of recording, I informed them of my possibility of recording, they hung up, saying they wouldn't except recorded calls ... ..can you believe that! All I'm trying to do is obtain the length of time this was on my report. Their response is if it's not on my report they can't provide it. Yet it Can be on for 7 yrs. So, anybody they approve can damage my credit until I DISPUTE IT, but they can't even tell me how long it's been on my credit as evidence of past harm ... ..
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70501
Submitted Via: Web
Date Sent: 2019-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-02
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XX/XX/2019 XXXX sent me an alert that someone altered my credit file. The company that altered my credit file is Enhanced recovery company. They never sent me any correspondences regarding collections. I reported my concerns with the attorney general in XXXX, florida. I tried calling Enahnced recovery company and request that they send me a signed signatue proving I was the one responsible for this account. I hung up the phone.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85138
Submitted Via: Web
Date Sent: 2019-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I disputed directly with ERC in XX/XX/2018. I received a copied bill that the dates on some pages where edited and information changed. I sent a 2nd request on XX/XX/2018 to dispute and req signed contract or judgment as the address listed in the documents was no longer my address at the time/dates listed. Address the dates were altered and not matching date/ year that's in the history. I have not received a response from ERC.. They continue to report inaccurate information in my credit report. Attempt to dispute via credit agency a s they stated I have to dispute directly with ERC.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2019-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I ran my credit report as I am in the process of purchasing a home. I notice there was a negative mark on my credit report for a unpaid debt for XXXX XXXX, a cable company. I contacted XXXX XXXX to solve this issue. The original creditor, XXXX XXXX sent me an invoice for the amount of {$270.00}. Payment was sent immediately to them, payment cleared the bank on XX/XX/2019. Per the rep, the account was paid in full now. On XX/XX/2019, ERC, collection agency send me a Collection Notice for the amount of {$82.00}. On XX/XX/2019 I sent ERC a dispute/validation letter for this amount ( sent via certified mail ). They sent me an old invoice of {$510.00}, which does not explain a detail explanation of the amount of {$82.00}. On XX/XX/2019, I called ERC to let them know that the account was paid in full. The gentleman at ERC has not intentions of doing anything about the situation, they still want this amount to be paid.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85335
Submitted Via: Web
Date Sent: 2019-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have paid my balance in full, returned all equipment, spoke to representatives regarding the debt collection, and XXXX continues to collect a {$410.00} debt that is not owed. This {$410.00} debt has been paid in full since 2016 and should be removed using the full extent of the law and protections that the CFPB grant to consumers dealing with illegal collection activities.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2019-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have an account on my credit from Enhanced recovery XXXX XXXXXXXX in the amount of {$920.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77079
Submitted Via: Web
Date Sent: 2019-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A