Date Received: 2019-04-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX Our bank XXXX contacted my business to say a suspicious check was presented. Our business name was not noted just our account and routing #. The check was being requested FROM XXXX XXXX and made out to ENHANCED RECOVERY LLC XXXX FL. I called ERC to ask why they were trying to withdraw funds from our account. I spoke with XXXX XXXX XXXX XXXX XXXX She acted confused for apprx 20 minutes then finally admitted someone was trying to pay off their account with OUR bank information. She would not provide any further details. She asked me to contact the police. I am in OH they have no jurisdiction in Florida..I 'm sure she's aware of that. Her behavior was very suspicious. She gave me this reference # XXXX Is there any thing else I can do.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
State: OH
Zip: 44106
Submitted Via: Web
Date Sent: 2019-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: i received collection notice and a collection account was put on my credit file, this account was from identity theft. I never opened any such account
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 08857
Submitted Via: Web
Date Sent: 2019-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-10
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: First communication made with rep on XX/XX/19 the first representative I spoke to hung up on me before allowing me to give her new information. Second communication on the same day I was hung up on by the supervisor.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Debt was paid directly to the original debt holder. Collection agency is reporting on my credit report not the original company.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2019-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: 30 days ago I sent a dispute letter to ENHANCED RECOVERY COMPANY asking that they verify that I owed the debt that's being reported on my credit report. I haven't received any verification or consumer contract showing that i'm responsible for this debt. I would like for this inaccurate information to be removed from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48080
Submitted Via: Web
Date Sent: 2019-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Account was not opened by me. Not my account. Account opened and obtained fraudulently.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2019-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX has added derogatory information to my personal credit report, and They've failed to remove the information from my credit files after multiple letters asking them to verify the debt with a contract bearing my signature to validate the debt belongs to me. The initial letter was to ERC XXXX. XXXX XXXX XXXX, FL XXXX which is the same mailing address as XXXX XXXX for the same debt ( company name changed ). I certified and returned receipt all letters via XXXX. The first letter sent XX/XX/XXXX, XX/XX/XXXX The information was also sent to XXXX, XXXX, and XXXX to be verified in accordance to the laws outlined by the Fair Credit Reporting Act. ERC now XXXX XXXX deleted the item, and then renamed its business to add the account back to credit file.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31602
Submitted Via: Web
Date Sent: 2019-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This fraudulent account was removed from my XXXX account last year in 2018 and now has been reinserted back to my credit file. I am a victim of identity theft and this account is supposed to be blocked from my credit file.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10466
Submitted Via: Web
Date Sent: 2019-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: AGENY IS REPORTING FALSE INFORMATION BY CHANGING THE OPEN DATE ON THE CREDIT REPORTS. THAT'S AGAINST THE REPORTING ACT LAW
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2019-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XX/XX/2016 I went to XXXX store with an unlocked XXXX cell that I owned, the phone didn't have a balance on it & wasn't connected to any XXXX account. I requested prepaid cell service for the phone. The XXXX associate told me prepaid service was available. I asked repeatedly if it was a contract, the representative assured me it was a XXXX prepaid cell service. This cell phone service was intended for my teenage daughter. I asked the XXXX associate " If, for example, I were to not pay for an upcoming month of service due to my daughter had got in trouble & her phone was to be taken away as a punishment, will there be a charge for that? '' I was told " No, there would be no charge ''. I then asked " When my daughter is free from her punishment, do I just need to go buy a XXXX prepaid refill card to restart her cell service? '' I was told " Yes, that is correct ''. I was then asked if I wanted insurance on the cell phone, I denied the insurance coverage. Before I left the store I paid for a cell phone charger, 2 months of " prepaid cell phone service '' & the phone was activated. I then went to XXXX XXXX at XXXX XXXX & bought a {$30.00} XXXX Prepaid Refill card to use when the 2 months of paid service expired. Of course my teenage daughter got in trouble, so when it came time to use the XXXX Prepaid refill card I didn't load the card on the cell phone. Once my daughter finished her punishment I tried unsuccessfully to load the XXXX Prepaid refill card on the cell phone. I called XXXX & the representative told me she didn't know why the card wouldn't load, but instead I could pay over the phone to reactivate the cell phone service. I payed the amount required over the phone with the representative. Within 2 weeks the cell phone service stopped working so I called XXXX. I was informed I owed {$120.00}!!!???!!! When I asked what the charge was for I was told the amount was for late fees, disconnection fees, re-connection fees, & insurance fees on the phone. I explained it was a prepaid account & I had refused insurance on the phone so these charges weren't valid. The representative told me this is NOT a prepaid account and that insurance was in fact on the phone. I was in disbelief & very angry! I went to a different XXXX location & asked them to pull up my information. The XXXX store associate accessed my information from the XX/XX/2016 transaction at the original XXXX store I activated the cell service at. I personally viewed computer generated " paperwork '' that stated the service was a contract & cell phone insurance was accepted. The form had been revised three times & electronically accepted. There was a time stamp on the revisions, all of which occurred AFTER I had already left the XXXX store. There was only one XXXX associate in the entire store the day I activated the cell service. After I left the store that day, the associate fraudulently created new forms & electronically accepted these fraudulent forms by using my name as the one to agree to the terms he created without my knowledge or permission. I have contacted XXXX on more than one occasion regarding this fraud. I have insisted this charge be removed & the XXXX associate who opened this fraudulent account be reprimanded or fired. I have been cursed, put on extended hold, and eventually hung up on every time I have tried to resolve this matter with XXXX over the phone. XXXX recently placed this fraudulent account in collection on my credit report in the amount of {$220.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 64801
Submitted Via: Web
Date Sent: 2019-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A