Date Received: 2018-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ERC has appeared on my recent credit report i am not familiar with this dept, it is not mine and should be removed from my credit report. XXXX was removed from my credit report and had lack of verification which was sold to ERC who has reage this account which is illegal i am also questioning ERC ability to report. Im asking that i recieve the original contract from XXXX showing that this is indeed my debt and also there ability to reage this account, this is multiple laws that ERC has broken i will also be sending this complaint to the FTC for them to review.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32506
Submitted Via: Web
Date Sent: 2018-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have had this bad debt on my record and have contacted XXXX XXXX XXXX many times about it. The amount is for canceling my phone contract and they say I never turned in phones. I did and proved it and somehow this collection company got it anyway. So then I contacted Enhanced Recovery Company and was offered a settlement and agreed to it. When I went to pay they said they have no record. I challenged this debt twice and have been given the run around. They have threatened suing me and garnishing my wages even when I tried to come to a agreement with them. My credit have now been effected for yeas over their fraudulent activities. I have tried many times to clear this debt and only been spun by this company.They just lie and spin us and refuse any reasonable offers. ENHANCED RECOVERY COMPANY XXXX XXXX XXXX XXXX, FL XXXX I want a resolution to this so I can fix my credit and buy a home.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2018-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: The communication concerns a dispute with XXXX, their failure to provide a dependable and safe service Here are the facts that have been relayed to ERC and XXXX ( ERC is the collection agency for XXXX ) I purchased the XXXX XXXX XXXX phone in early XXXX. The phone immediately started malfunctioning on the very first day I had it with dropped calls and horrible reception. I could n't drive while talking or turn my head The call would just distort and ultimately drop. I ended up exchanging the phone 3 times because the reception was horrible. After 3 attempts to get my service corrected on the premise that the phones were defective Neither of phones ever worked properly and all the while I was paying the bill for both the phone and the service. I met with XXXX representatives at 3 different stores and spoke to XXXX over and over by phone many times over the period of several months. Time and time again they all told me there was nothing wrong with my service area / towers and the phone was functioning properly. They said that " the phone I purchased was an inferior product '' and thats why I had poor service. Another person told me that it was the location of where I lived but the phone didn't work no matter where I was. I work in sales and my dropped calls and continuous terrible reception caused much embarrassment lost customers, lost sales, and non-participation in important meetings and webinars. Then the phone began to get very, very hot and the service got even worse. Finally, I was very frustrated with XXXX and told them that I was not happy with the service and the defective product that I had been sold. I tried time and time again over the phone to get XXXX to help, so I could maintain the service of which I had been a customer with for over 15 years. XXXX did not honor me as a long - time customer and refused to help me. Each time I called I was given lip service by the customer service staff that couldn't even speak English and I became even more frustrated. I am not responsible for these charges of XXXX due to no services rendered on XXXX part which includes the balance of the phone installment. The product I was sold and for which they claim I am I am in debt to them is defective. The phone constantly was getting hot and almost ignited my pillow on fire. It's the same model phone that started catching on fire and blowing up all over the country. The phone was clearly defective and very dangerous. It caused me months of undue frustration, lost sales and embarrassment. All of the above aforementioned information is factual and the communication data is with XXXX recorded customer call history. They record all conversations very quality assurance / customer service I contacted XXXX several times about this matter but they never offered any help other than sending me a bill for the outstanding balance on the phone. I dont feel I am not responsible for these charges of XXXX since the phone they sold me was defective. Now ( XX/XX/XXXX ) the collection agency has reported the balance on debt to the credit bureau and it is effeting my credit. Thank you for you support and I hope you can help me in stopping this collection issue and have them remove the negative entry on my credit file. I was sold a defective and dangerous product that I should not be charged for. Thank you, Regards XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2018-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-01
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: ERC is currently reporting and added a collection to my credit file without giving me a 30 day right to dispute notice. I have already filed a complaint with them, where they ADMITTINGLY state that the notice was sent to the INCORRECT address, where it NEVER reached me. I did NOT know about this debt until I checked my credit file, and I paid it as soon as I found out. They added this debt in clear VIOLATION of my 30 day right to dispute
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 84075
Submitted Via: Web
Date Sent: 2018-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Previous Complaint number : XXXX is unresolved. Still no verification of debt has been received.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 620XX
Submitted Via: Web
Date Sent: 2018-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-31
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: There are two debt collections on my credit report that are incorrect. The company XXXX XXXX, apparently, is attempting to collect a debt owed by me to XXXX. When I first saw this on my credit report I called XXXX and asked them if I had opened an account with them, they told me that I had not. I live in XXXX and was in the US for medical treatment by the VA and needed a phone to be in contact for medical appointments and opened an account with XXXX. I filed a complaint with XXXX XXXX stating that I had no knowledge of the debt to XXXX. The complaint was evaluated and stated that I did owe XXXX, as noted on the attached screenshots of my credit report. The last reported use of my account with XXXX is XX/XX/2018 and XX/XX/2018. As stated previously I live in XXXX and no longer need to purchase minutes from XXXX and, therefore, I do not understand why XXXX XXXX is reporting that I did use my account with XXXX or for whatever reason, they are using to report that I do have a debt with XXXX. Thank You for your time in this matter, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I contacted by phone, XXXX XXXX XXXX # XXXX out of XXXX, NC on XX/XX/2018 Talked to XXXX ( recorded ) after I found out that Company placed a collections for {$1100.00} for a XXXX Bill on my credit reports. I let her know that this was not my debt/account. I have no contract with XXXX. Please send me written proof ( copy of contract ) also to remove it from my credit report. I was told she would contact me later after letting her supervisor know what was going on. I heard nothing else from them. Today ( XXXX XX/XX/2018 ) I received from a new collections group, XXXX XXXX XXXX ( ERC ) out of XXXX, FL. I called and talked to XXXX ( again Recorded ) I explained again that this was not my account, but she didn't want to hear that, she told me they collect the money. The amount was for {$1100.00} for the XXXX account. I again asked this company to show proof. Its not in her wheelhouse they just collect. She wasn't going to argue basically its my problem. Me asking how you think I should give you money I don't owe is arguing I guess, instead of trying to help me. She said " we will report it to the Credit Bureau 's in XX/XX/XXXX '' I think she said on the XXXX. I said its already on my report and she said " Not by us! '' She did tell me how she would send me a fraud paperwork packet and I would need to call the police and get a report and all kinds of things for me to do. How about you showing me proof FIRST. This is not fair to demand my money without proof its owed. I know that collection Agencies purchase debt to collect from others. They are not verified!!! That is now two different collection companies that have and is now, not verifying the owed debt of of person before destroying their credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27215
Submitted Via: Web
Date Sent: 2018-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This letter is in response a letter dated XX/XX/2018 from XXXX XXXX XXXX XXXX XXXX claiming I owe them {$100.00}. The company failed to provide me with any evidence that I have a legally binding contractual obligation to pay XXXX XXXX XXXX XXXX XXXX this amount.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2018-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-29
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: On XX/XX/XXXX, I XXXX XXXX XXXX tried to get a loan, was told that ERC, a collections company had placed a new negative item on my credit, Fraud and Identity Theft. I attempted to contact ERC twice, I was informed by ERC that this was XXXX ( phone company ) and it was a bill. They just placed this on my credit, the bill was from XX/XX/XXXX, 4 years ago. I have never been with XXXX. ERC had my personal information that is public knowledge. However, they could not provide any proof or evidence that I ever was with XXXX. This is fraud and identity theft. They stole my information and then attempted to get money from me illegally. There is no evidence, because I never had anything to do with XXXX. When I spoke with ERC twice, I talked with there supervisor, she twice transferred the call and the call went dead. ERC there phone number is : XXXX. The amount in question : XXXX. Please assist. Thank you. This negative information 4 years ago, that is fraud is hurting me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29072
Submitted Via: Web
Date Sent: 2018-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-29
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: On XX/XX/2018 I sent a request to XXXX asking them to verify the account being reported on my report by XXXX XXXX XXXX XXXX for XXXX in the amount of XXXX. I asked for copies of documents. They responded within 30 days without documentation saying that the account had been verified. I sent a second request on XX/XX/2018 asking for a demand for validation with documentation. On XX/XX/2018 I received notice from XXXX that the company that reported the information has certified with XXXX that the information is accurate. ERC was sent a letter requesting validation and documentation on XX/XX/XXXX, as I believe the reporting is in error. On XX/XX/2018 I received a XXXX bill from them. One in the amount of {$1000.00} and another for XXXX. This does not prove the account is mine. I am asking for original documentation or contract that validates the account being mine, as I believe this account is being reported in error and negatively impacting my credit worthiness.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48348
Submitted Via: Web
Date Sent: 2018-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A