Date Received: 2023-03-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Enhanced Recovery is a XXXX party debt collector attempting to collect an alleged debt. I do not have any signed contracts with Enhanced Recovery showing that I owe this company any money nor have I given written permissible purpose for Enhanced Recovery to obtain my personal information and even contact me. Enhanced Recovery is in Federal violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. They have tarnished my consumer report with this false and misleading information, their negative reporting has cause me to be discriminated against when applying for credit due to their illegal practices. Their negligence has cause me undue hardship and is affecting my personal and family life. In addition, Enhanced Recovery is not licensed to operate in the state of California where I currently reside therefore clearly making it illegal to contact me about this alleged debt.
Company Response:
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2022 after receiving a copy of my credit report I wrote a letter to ERC to dispute the debt and request verification and validation documents. I specifically requested any contract or agreement with my wet signature as well as any proof of contract to substantiate they are entitled to enforce a commercial claim, I received a response dated XXXX XXXX stating the debt is valid with an attachment of the final bill from XXXX. ERC failed to provide any documentation requested including, but not limited to the original certified agreement with my wet signature from XXXX XXXX XXXX XXXX did they provide any documentation of a contractual relationship between Enhanced Recovery Company and XXXX XXXX XXXX authorizing them to enforce a commercial claim against me for this debt.
Company Response:
State: TN
Zip: 38115
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On Friday the XXXX of XXXX, I checked my credit score on XXXX and saw that I had a collection against my name originating from XXXX that they had passed to the collecton agency ERC. I had been a XXXX XXXX up to XX/XX/2020. I was alarmed by this and called ERC immediately. At this point I had very little knowledge of collections or what they entailed. When I spoke to the ERC agent I stated that I had serious qualms with this bill. In particular, XXXX gave me a plan that was linked to strangers ' accounts without my knowledge. Second, XXXX created an erroneous security question ; they would ask me the name of my first pet but neither I nor my family has ever owned a pet. This incorrect security question prevented me from ever accessing my account, making paying the bill very difficult. Note due to covid, I was abroad with my family and therefore was unable to visit a store in order to get a new PIN or security question. Given the service, I canceled my account. I was given email notices in XX/XX/2020 that I had an outstanding bill and then received no more communication from XXXX from that point onwards. After I received these emails, I did try to pay in XX/XX/2020 but because of the security question, I could not access my account in order to pay it. Since I had no further communications from XXXX I presumed the account was closed and any further bills were voided. The ERC, who did not say I could dispute the debt, misleadingly said those were issues to take up with XXXX and were not relevant to ERC. But, of course, it is relevant to ERC because if I want fundamentally to dispute the fairness of the debt, I would have to do so with ERC. Thinking that I could go dispute the claim with XXXX, I paid off the debt as soon as possible, but did not think that paying it off would acknowledge it as fairly describing the situation as one in which I had failed to pay a XXXX bill. I now understand the debt prevents me from having it removed from my credit record.
Company Response:
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I reviewed my credit report on XXXX at XXXX, XXXX and XXXX. I discovered I have a fraudulent collection account appearing on my credit report. This is not my account and I have submitted fraud claim to XXXX, XXXX, and XXXX. You are to remove this fraud account immediately before i pursue legal action. Under federal regulations this does not qualify as a " valid verification of debt ". I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ). On XX/XX/, XXXX days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at XXXX. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/6 notice of claim. Brief of XXXX at XXXX. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a XXXX % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount.
Company Response:
State: OH
Zip: 45373
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a debt collection letter from ERC a few days ago. ERC would not divulge the particulars of the debt other than to say the debt was with XXXX XXXX XXXX XXXX and originated in Detroit Michigan in 2020. I have no account with XXXX XXXX XXXX XXXX and have never lived in Detroit. I believe the debt was the result of identity theft.
Company Response:
State: ID
Zip: 838XX
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I called into this company in response to a collection notice I receive via email. I spoke with an agent named XXXX XXXX. He was rude from the get go of the phone call. This particular debt was taken on by another collection agency previously and I received a letter that they have dismissed the debt after I disputed it. Now all of a sudden ERC is trying to collect on it. When I explained this to XXXX XXXX, he was rude in his response to tell me that it was my fault because I did not do what I was " supposed to do '' in regards to the debt. He outlined all these steps that I " should have '' done. I asked him how would I have known that if nobody has previously told me to follow those steps and if the previous company dismissed it. He continues on, rudely, ( paraphrasing ) " and here we are again, that's why you're here because you didn't follow what you were supposed to do. '' He was condescending with me throughout the entire call. I did not appreciate his tone, attitude, nor the way he handled the situation. The website he gave me to file a report is a non working website. I am not sure of the legitimacy of this.
Company Response:
State: TX
Zip: 793XX
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: About the last week in XX/XX/XXXX I received on phone call from ENHANCED RECOVERY COMPANY about {$200.00} dept for XXXX CABLE for an address in XXXX, Ga ( I live in XXXX, GA ) I didn't recognize account or the charge. I stated I only have a business account with XXXX and it's on autopay. They told me it must have been a mistake or wrong person and not worry about. That was it, one call and nothing else. Just to be sure, I went to the local XXXX office and they told there was an account in my name but they refuse to give the physical address and I should contact XXXX XXXX for Fraud and Identity Theft XXXX XXXX XXXX As they required I sent them all the info they need about me to this email : XXXX on three different dates ( XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX ) and no response at all. XX/XX/XXXX I got notice from XXXX XXXX about my credit report with XXXX : a new account in collections was added to your report. and effected my credit score. I've disputed the charges with XXXX and nothing happen. Not sure what to do now. My name is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
Company Response:
State: GA
Zip: 30809
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Company Response:
State: CA
Zip: 93726
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Enhanced recovery places collection on credit for an account that belonged to XXXX XX/XX/22 I reached out to enhanced recovery asked for original contact with wet signature and proof that they bought the debt I have not received any information
Company Response:
State: AL
Zip: 35405
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Enhanced Recovery CO at XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collection notices in the amount of {$160.00}. The collection has been reported as a past-due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Company Response:
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A