Date Received: 2019-02-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX overcharged me 4 times in 4 months in the amount of {$99.00} each time in the total of amount of {$390.00} for prepaid services. They are charging me {$180.00} for something that I am not aware of. I Tried countless times to resolve this matter but their response every single time was their billing system is faultless. This account is from XX/XX/XXXX and since then we've been trying to fix it. They re-opened the account in XX/XX/XXXX leaving a derogatory mark on my credit report of an unpaid account. I do not owe this debt. Would like them to take out the derogatory mark on my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32839
Submitted Via: Web
Date Sent: 2019-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I XXXX XXXX am disputing a XXXX XXXX XXXX debt of {$440.00} from resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This dispute has dropped my credit score by 26 points. I have contacted XXXX and XXXX credit bureaus to have them add a fraud alert and credit freezes on both until I can find out what has happened or is happening. As of XX/XX/2019, I have an XXXX score of XXXX, XXXX score of XXXX, but an XXXX score of XXXX which is down 25 points which is absurd. XXXX and XXXX told me that although I have a freeze on my account, that wont stop the problem of XXXX XXXX XXXX ( ERC, a debt collection company ) from placing this back on my credit. Either a new tenant used my cable fraudulently or I was taken advantage of because XXXX XXXX knew that I would not see any payment notices because of me moving. I notified XXXX XXXX XXXX ( ERC ) that this is not my doing and this account is fraudulent. I was told by ERC customer service agent who took my call and gave me a reference # XXXX that XXXX XXXX stated that the customer moved out of town. I had a forwarding address for XXXX State and never received a final bill notice of {$440.00}. Therefore, I think I was taken advantage of or either this is fraudulent. I am currently reaching out to The Attorney General of XXXX, The Federal Trade Commission, The Federal Communication Commission ( FCC ), The Consumer Financial Protection Bureau, and The Consumer Fraud Bureau of the Attorney General of XXXX XXXX ( Which is XXXX XXXX Headquarters ) to resolve this debt benefit and negligence of XXXX XXXX, an investigation of this dispute from ERC, and to avoid any future credit score drops.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98513
Submitted Via: Web
Date Sent: 2019-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX. I received an alert from XXXX Credit Bureau regarding a collection item on my credit report. I don't know who XXXX XXXX XXXX XXXX is, and no validation of this debt has been given to me. No original creditor was listed. I was not given a right to dispute letter, nor anything else regarding this debt at all. On XX/XX/XXXX, at XXXX I contact them and asked how they got my information and disputed the validity of the debt and asked them to remove this from my credit report. They are refusing. I should have 30 days to dispute this debt and I was not given any notice to activate my rights. Instead it was placed on my credit report. I've contacted the number listed on the report XXXX. They where unable to validate this account belong to me. I requested proof in writing.. I have also contacted XXXX XXXX, XXXX, and XXXX and disputed it. When I contacted XXXX XXXX at XXXX, I spoke to a Fraud Specialist, XXXX XXXX she informed me that a similar item showed up on my credit report in XX/XX/2015 and was disputed and removed. This is around the time I found out my SS # was used by someone other than me. I asked to speak to a Supervisor with XXXX XXXX. I spoked to XXXX XXXX, and asked how can an item that was disputed and removed in XX/XX/2015 be placed back on my credit report. Once it is removed, it should be removed. I stated that I disputed it then because it was not mine, and it was removed but you placed it on there again. The Supervisor at XXXX XXXX did not remove the item. My credit score has dropped 75 points due to this and I have no control over it. I am in the process of buying my house and this is affecting me drastically and putting my dream of owning a home in jeopardy.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 62221
Submitted Via: Web
Date Sent: 2019-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-13
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I XXXX XXXX along with my husband XXXX XXXX are going through a long term financial hardship. We most likely will be filing for a Chapter XXXX bankruptcy in the near future. In the meantime, we have asked numerous debt collection agencies to cease and desist making threatening calls to both of our cell phones. These collection agencies are even calling our neighbors and relatives looking to make contact with us. This has to be an illegal collection practice, and we do not desire to have relatives know of the financial problems we are going through. Accordingly, we wish to have all calls cease immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80022
Submitted Via: Web
Date Sent: 2019-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: No reason any Collection Agency should contact me. THis seems to be a scam. Company calls me everyday. They use different numbers. Want me to call another number. Claim they are ERC. want info to collect a debt. I can not help them, see my reasons below. They give a Ref number XXXX. I have a credit rating of 834 + with 2 of the credit Bureaus. I have Zero late payments on my credit record with any of the 3 Credit Bureaus in over 30 years and more. Phone numbers they use to call me on are ( XXXX, XX/XX/2019 XXXX ; XX/XX/2019, and XX/XX/XXXX, XXXX, at XXXX. I have never received any debt letters from anyone. I blocked these calls but they show up in my voice mail. This is my 2nd complaint with you to no avail. I have no documents as I am paid up on any credit cards. My Identity was stolen by the XXXX years ago via Federal Govt. I now have ID protection given to me free from the Federal Govt. I can provide a copy of their investagation report on my good credit with ZERO late payments, ZERO collections, ZERO bankruptcys. I have NEVER received a statement from this company. I do not have an account with this company. Thus provided their Ref number in the account box. 2nd Complaint and they never contacted me via email on prior complaint.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MT
Zip: 59701
Submitted Via: Web
Date Sent: 2019-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: XXXX ( XXXX XXXX ) XX/XX/XXXX I spoke with XXXX about ended my contract with them. I asked them of I owed thwn anymore money and if I did I wanted to pay it so I could end all ties with them. I was told I didn't not owe them anything bill was paid in full. I believed what they said and moved on to another phone company. After many months I got a letter saying I owed them XXXX dollars I called and spoke with them about it and I told them what I stated above I tried to fix the situation and figure out how to resolve it even though it was on their end. They wanted nothing to do with they threatened to sue me, garnish my check, anything they had to do to get their money. I have XXXX children and Bill 's I have to pay I have tried to fix this and I need this off my credit I can't do anything with this issue.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2019-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Enhanced Recovery is reporting a charge-off of {$99.00}. This debt does not belong to me and has been reporting on my credit file for 3 years and 11 months. My credit bureau indicates that the original creditor is XXXX XXXX XXXX XXXX. I do not have and never had an XXXX XXXX XXXX XXXX account. Enhanced Recovery is reporting inaccurate data on my credit file. Based on the FDCPA, a debt collector must notify the alleged consumer of the debt. Section 809 ( b ) [ 15 USC 1692g ] Validation of Debts. I was never notified of the debt, therefore I could not dispute the debt. Two violations have occurred, Violation of FCRA- Inaccurate Reporting and Violation of FDCPA notify consumer of debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2019-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2018 I paid the balance in full of {$66.00}. They also mentioned they would remove this debt from my XXXX XXXX credit report within 30-45 days. This never happened, and I have just noticed that one year later it is still on my credit report report reporting as an unpaid collection. Please, remove this debt immediately off of my credit report since this is what they promised me. I spoke with XXXX XXXX at XXXX on XX/XX/2018.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
State: NC
Zip: 28112
Submitted Via: Web
Date Sent: 2019-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello, I filed a complaint here with the FTC/CFPB for XXXX XXXX XXXX. They collect on behalf of XXXX XXXX. They put a collection on my credit report for {$100.00} I never in my life have had XXXX XXXX EVER. My father is XXXX XXXX XXXX He has XXXX XXXX. Not myself.I called XXXX my father did as well. They confirmed that it is his NOT MINE. We asked them to remove the collections, they said they would off my report ( XXXX XXXX XXXX ) They have not. I checked the status of my dispute here online and their legal dept said the social matches mine - this is FALSE a blatant lie and my father confirmed on the phone it was his and NOT mine. This is a lie by their legal dept. XXXXTo make matters worse they sold the debt to XXXX XXXX XXXX/XXXX XXXX XXXX They keep trying to collect and reselling on an account that has NEVER been mine. I have NEVER enrolled or even applied to XXXX XXXX. THey show 2 numbers on my credit report under creditors heading XXXX XXXX I let them know of the situation they said to go back to XXXX. I called XXXX they said they don't have it anymore and denied that they spoke to my father and I before. I then called XXXX XXXX XXXX they said it was sold to another creditor being XXXX XXXX. My scores dropped from mid 750 's all 3 down to mid 650's.I am very angry and frustrated at the lies XXXX - XXXX XXXX and XXXX all have colluded in. How can they keep doing this? Selling my information/debt that is not mine? I have the credit reports to prove it and show matching amounts. Thank You XXXX XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92807
Submitted Via: Web
Date Sent: 2019-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Hello, I Am XXXX XXXX. I Am Trying To Clean Up My Credit. In The Early 2000, I Was A Customer For Over 5 years. I Had An Health Issue With XXXX In My XXXX. I Had Sit For Over A Month Without Being Able To Walk. I Got Behind One Month. I Tried To Settle My Bill Which WAS {$500.00}. The Salesmen Gave Me Extra Charges & Two Extra Months Worth Of Bills That Werent True. My XXXX XXXX XXXX Bill Came About To Be {$1800.00}. This Amount Is Not Correct! I Tried Negotiating And Was Refused! Thank You
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77478
Submitted Via: Web
Date Sent: 2019-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A