Date Received: 2023-02-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had settled a debt for a XXXX account through XXXX XXXX XXXX, I finished paying the settlement in 2019. Now the company decided to send me to a different collection agency for the remaining balance 2 years later. I tried to depute it multiple times with the new agency called Enhanced Recovery Company with no success. My credit score went down because of it and I don't know what else to do.
Company Response:
State: FL
Zip: 32818
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I called to setup XXXXXXXX XXXX, was told I would have a trial period. I called several times for help with the remote. I even asked the person put in the service. I never did get anyone to explain. After a while I called and canceled the service. About a week later I get this letter saying that I owed {$600.00}. I called to find out how I owed them anything. They stated I was being charged {$20.00} for the next 2 1/2 years. I told them to put it back in, if I was paying for it she laughed and hung up on me. I dont feel I owe for something Im not getting. I was still in my trial period and I dont remember signing a contract. They are so friendly when putting this in but when you call for help. Well thats a bother to them. Please help me!! Sign, XXXX XXXX. P.s. the collection agent is ERC* out of XXXX XXXX Florida
Company Response:
State: GA
Zip: 30165
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: My indentification is being stolen. I received a letter on the mail from a collection agency saying I owe XXXX XXXX XXXX when I dont have any access to that company in any way. I called and the representitive mentioned the account has been open since 2020 in the state of XXXX. It is not me, I live in XXXX. Please help me.
Company Response:
State: CO
Zip: 80219
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These items need to be removed from XXXX, XXXX, and XXXX these aren't my accounts and were told they were going to be removed and I will seek pressing charges XXXX 1.ERC account number XXXX date opened XXXX XXXX original balance {$390.00} 2. Inquiries XXXX XXXX inquiry date XXXX not my inquiry XXXX XXXX Inquiry XXXX not my inquiry XXXX XXXX inquiry date XXXX not my inquiry XXXX inquiry date XXXX not my inquiry XXXX XXXX inquiry date XXXX not my inqiury 3. XXXX XXXX XXXXXXXX XXXX accounts have been paid 4. XXXX XXXX XXXXXXXX account number XXXX not my account 5. Late payments from XXXX XXXX account number XXXX XXXX 1. Inquiries XXXX XXXX XXXX Inquiry date XXXX not my inquiry XXXX XXXX XXXX XXXX inquiry date XXXX not my inquiry 2. XXXX XXXX XXXX Account number XXXX not my account 3. XXXX XXXX XXXXXXXX XXXX accounts have been paid 4. late payments from XXXX XXXX account number XXXX XXXX 1. XXXX XXXX XXXX account number XXXX not my account 2. XXXX XXXX XXXX XXXX accounts have been paid 3. late payments from XXXX XXXX account number XXXX
Company Response:
State: MI
Zip: 48091
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: After discovering that a debt collection company and XXXX XXXX were erroneously reporting a debt as mine, I contacted both organizations to inform them that the debt did not belong to me. However, neither of them has offered any help, and the company keeps calling and making threats despite my explanations. Despite my repeated insistence that the debt is not mine, the company continues to call me during work hours, sometimes multiple times a day. They also call me past XXXX XXXX, which is against regulations. They have contacted me from three different phone numbers and have failed to identify themselves on the phone. The company is attempting to collect a debt that is not mine, and I have already informed them that I will not be paying it. In addition to the calls, I tried to dispute the debt on the company 's website, but it was not functional. After submitting my order, information, and proof, nothing happened, and the website instructed me to resubmit my dispute. If the company persists in these practices, I will be forced to take legal action. I have attached phone records of this company attempting to call me from two different numbers one number ending in XXXX and another one ending in XXXX
Company Response:
State: MN
Zip: 55404
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/2022 Enhance Recovery Company trying to charge me {$670.00} for someone using my identity to put a cable bill in my name that I had no clue about. I reach out to them to get it resolved and I cant seem to get the response I need.
Company Response:
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: My name is XXXX XXXX a federally protected consumer, and Iam making this complaint against ( Enhanced Recovery CO L. ) for committing identity theft. I have never given ( Enhanced Recovery CO L. ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a Cease and Desist of all illegal, any communication and collection activity, of this and any alleged debts until ( Enhanced Recovey CO L. ) can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them, if this documentary evidence Can not be produced and ( Enhanced Recovery CO L. ) continues its collection efforts. I will file for litigation for actual damages caused and ( Enhanced Recovery CO L. ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt and response are both requested and required. Account # XXXX
Company Response:
State: LA
Zip: 70117
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: After sending several correspondence beginning on XX/XX/2022 to this company in regards to the incorrect data placed on my credit report. I know it is my right as a consumer to request this company to validate this debt. I never received the information requested, I only received correspondence stating that this account was verified. I requested the method of verification and an audit trail and still nothing was presented.
Company Response:
State: TX
Zip: 78660
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Back in XXXX of 2022 I was made aware that something negative had hit my credit. Upon inspection I found that " enhanced recovery CO L '' had come into possession of an XXXX $ debt. From XXXX phone company. Now I had recently closed my account and paid it off on full as I was not receiving cell service most places I went. I ported my number over to XXXX which again, I was only able to do once I paid my XXXX account in full. Come to find out that on XX/XX/2022 XXXX sold " my debt '' of XXXX $ to enhanced recovery CO XXXX This now effected my credit. I called XXXX and attempted to pay the past due after questioning the validity of it. They strongly affirmed that the XXXX $ was accumulated post phone bill date and would be " final usage bill ''. They would not allow me to settle as the debt was no longer theirs. I have now tried twice to pay it in full of deleted without any luck. I never received any sort of notification that I owed any additional money post canceling service. The phone company claims to have sent a letter to what sounds like the correct address. I never received any such mail from them in that time. I still continued to have the same email and phone number as before but the phone company claims that their only form of notifying me of this debt, was through a ( well known ) failing postal system. They had no intent of using the technology that they peddle to assure I received notice. I'm not sure if they sold it to creditors out of spite from me canceling, or if it was simply to close all accounts at the time ( exact timing of XXXX merger ). But either way I think I should be able to pay what I owe without it effecting my house purchase for the next 7 years. I never missed a bill with them. I've never missed XXXX with XXXX either. When I know I have the bill, I always pay it.
Company Response:
State: CO
Zip: 80123
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Debt is not owed.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A