Date Received: 2019-03-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have no knowledge of this debt so I asked the company to provide factual information that it was my debt. They sent a letter of a bill with my name and a address I have never lived at ( which is enclosed ). I never recieved any signed contract with my signature stating I ever was with XXXX or owe ERC? The paperwork has an accurate address during time they say I supposed to have had this account and no signed contract? I would like this removed from my account immediately as this does not belong to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75038
Submitted Via: Web
Date Sent: 2019-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I've tried numerous times to settle a debt with ERC ( XXXX XXXX XXXX XXXX, FL XXXX ). They don't seem to want to accept a settlement agreement. They're more interested in getting my credit card information. We agreed on a settlement fee of {$100.00}, but they tried charging a {$12.00} convenience fee which increases the settlement amount. I'm trying my best to make this go away, but every time I call they transfer me to 4 or 5 different people and say that only certain people can help me and then they try to include service charges and fees. Do they want to settle or not? I think not. This is not fair.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33139
Submitted Via: Web
Date Sent: 2019-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received letter from following Debt Collection Agency : ERC, P.O Box XXXX, XXXX, FL XXXX ( reference number XXXX, dated XX/XX/XXXX ). The debt collection agency reported amount of {$100.00} with original creditor as " XXXX ''. On XX/XX/XXXX, XXXX credit reporting agency alerted that a new account was opened in my credit file with following information : Address : PO BOX XXXX, XXXX, FL, XXXX Account Balance : {$100.00} Account Number : XXXX Creditor Name : ENHANCED RECOVERY COMPAN Industry Type : Other Collection Agencies I don't know who " XXXX '' refers to. I sent the Debt Collector ERC a letter asking for validation along with proof and request to produce written contract with original creditor to said amount on XX/XX/XXXX. The debt collector ( ERC ) has reported to XXXX before 30 days period and before receiving my letter to them requesting validation. If " XXXX '' refers to XXXX Corporation headquartered in XXXX XXXX, Kansas providing cellular phone and other telecommunication services, I have not been its customer since mid-XX/XX/XXXX. I had a dispute with it in XX/XX/XXXXabout services provide, my termination of the services and amount owed. Other collection agency had reported the disputed to debt to credit reporting agencies and I had it removed from credit reports by filing dispute with credit report agencies.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95014
Submitted Via: Web
Date Sent: 2019-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX attempts to contact me regarding a debt that has been paid off already I spoke to sprint and they have notified XXXX XXXX that they do not have collection authority. I have proof that the debt has been paid already. I would like XXXX XXXX removed from my credit report and all attempts to collect this debt to cease.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2019-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-05
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: My XXXX account was closed in XX/XX/XXXX they are reporting that I just opened the account in XX/XX/XXXX. Called collectors they informed me they are reporting it that way because that is when they obtained the debt and thats unfair. XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29303
Submitted Via: Web
Date Sent: 2019-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2019, I sent a validation to enhance recovery asking them to validate, i requested proof that I am indeed the party they were asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I asked for a signed contract. Instead the documentation I received was a copy of a phone bill statement, What Did the COllection agency use? what did they send the credit bureaus to verify that the account was accurate and please ask them to validate the debt. If they are unable to validate this debt all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2019-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-04
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: XX/XX/XXXX Speaking to XXXX and they transferred me to this company, Spoke with company, explained to them I have not heard anything about this supposed debt in years, They were trying to say that I am in collections with them since XXXX for a XXXX bill for {$600.00} asking for payment today with my debt card. Told these people I am not in collections with anyone. I track my credit report all the time and I just bought a home recently and it would have shown up on the credit reporting as well for my mortgage. I expressed to them I filled bankruptcy in XXXX and im sure the bill was in it they just kept asking for payment, the person i was speaking to them put someone else on the phone stating that he would be able to help me. I stated to him that I will not give my debit card information over the phone to anyone and if they want to send a letter regarding this I would look it over, the man said they would send a letter but they never asked my new address or contact information. Very strange to me and very strange I havent heard anything about this in 8 years and I have no collections on my credit report as they say i do, and just kept asking for payment today when I know I do not owe
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2019-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/19 I mailed out a letter requesting verification and it has been past that timeframe and nothing was mailed in response to me for this debt that does not belong to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33073
Submitted Via: Web
Date Sent: 2019-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Debt collection letter from ERC, XXXX XXXX XXXX, XXXX, FL stating amounts owed from XXXX XXXX XXXX service. I canceled my service with XXXX XXXX XXXX over a year ago and paid total balance due at the time of equipment return. I have notified ERC that I paid the total balance due at the time of equipment return and sent them billing statements and receipts to show that the account had XXXX balance. Yet they continue to send letters stating {$150.00} is due.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KS
Zip: 660XX
Submitted Via: Web
Date Sent: 2019-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XXXX a debt popped up onto my credit report stating I owe money to a company called XXXX XXXX XXXX. The newest company to claim this debt which shouldn't be coming back to me. This debt was a very old bill which I have already shown was fraudulent multiple times before and had it removed. Yet it keeps getting sold and put back on. The debt claims it was opened in XXXX of last year. I disputed and I'm not sure what proof they provided but it was not deleted and still the dates claim I had an account with them in XXXX of last year. This is not true or anywhere near true and it needs to be, once again, removed from all credit reports and not sold this time to ruin my credit once again.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 49509
Submitted Via: Web
Date Sent: 2019-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A