Date Received: 2018-02-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I've tried to dispute an account on my credit report multiple time and I have yet to receive an outcome. I have never had a XXXX account in my name, nor have I had any XXXX services. I've contacted the debt collector twice by mail ( letters attached ) and the debt has yet to be verified. I haven't gotten a response from the debt collector as of XX/XX/18.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46324
Submitted Via: Web
Date Sent: 2018-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2017 I transferred my personal account into a business account with XXXX. Unbeknownst to me with in-store agent did not transfer my devices from the personal account to the business account. A few months later I received a call from enhanced recovery. After speaking with the agent I figured out that this was a XXXX account/error. I contacted XXXX letting them know that this was of no wrongdoing of mine and that this was a in-store agents mistake. They apologized and sent in a request to verify the mistake. I was told that I would be contacted within seven business days and was the first time. The agent told me that they still have no updates for me and that they would reach out to me again when there was an update. Since then I have spoken with 13 different agents, four of them being managers all of which have not been able to handle getting my devices put onto my new business account. I have kept a detailed log of all the agents I spoke with and on what dates along with their employee ID numbers. This has been going on now for almost 4 months where I have been calling trying to get the situation resolved. I was told by one of the agents that their personal accounts department do not communicate with their business accounts department. I let them know that this was unacceptable and that I just wanted the devices to be put on the account so I could continue paying for them. I have never missed a payment nor has my account ever been in delinquency. With me reaching out as much as I have it has now gotten to the point where I am being given the runaround and the exact thing that I was trying to avoid has happened. This now is on my credit and affecting my livelihood of being able to do business. Yes I still keep my current account paid up to date and I have not received a call back or any kind of help from any of the 13 XXXX agents. I've gone back to the location where this happened and the location manager apologized profusely and is trying to help me get this resolved. But she too is let me know that once this goes into corporate they really have no control over what happened. I've been a XXXX customer for over a decade, and this is very disappointing to discover that this is the way they treat loyal customers. I have not asked for anything, or any freebies. Just as that they've fixed what they messed up and get this taken off of my credit so that I can continue working. This has put a bit of a taint on my relationship with my banking institution and I am trying to rectify it on my end and find that XXXX is not being of any help! I even tweeted the XXXX founder and CEO and still have not received a reply nor any managerial agents reach out to me to help rectify the situation. I am in communication with the credit bureaus and they were the ones who referred me to this website. Hopefully this will shake them to wake up and take care of the situation. Sincerely, VERY unhappy customer! Below you will find a quick note version and straight to the point description of the situation. The devices were not transferred properly or at all to the new account. The creditor has recognize the internal error. The account is not in collections. The account is current and NOT in delinquency. Issue exist from transfer between personal and business account depts. Please verify all information and add proof.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2018-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This account is not mine for the amount of {$240.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90001
Submitted Via: Web
Date Sent: 2018-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To whom may concern I have placed a complaint with the credit consumer report due to fraudulent behavior on my credit report with your company.. it shows that I have borrowed money from your company for medical loans. I have never even had a medical loan in my life! So if you would please contact me regarding the bogus information posted on my credit I would greatly appreciate ... your company has a large amount of fraud charges on my credit report that is not accurate s with loans on my report and I have never did business with this company ever in my life! So I would love it if they removed the fraudulent information off of my social security number thank you! The amount was for XXXX for enhanced recovery company if you would contact me regarding this matter I will greatly appreciate it thank you! Thanks XXXX XXXX XXXX Sent from my XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello, I have submitted a complaint regarding this issue once before a few months ago and it appeared to be resolved at that moment as I was told the collections would be removed and all was settled. Here we are now in XX/XX/XXXX and this same company has placed a collections back on my account under a different collections agency. They are harassing me and hindering my credit and I request this stop immediately. The new collection agencys name is : XXXX XXXX XXXX Original Creditor name : XXXX XXXX XXXX XXXX XXXX Amount : {$2400.00} My original complaint regarding this issue is copied below for reference. Hello, so what happened was that I had an account with XXXX XXXX XXXX for Phone, cable and Internet. During the first month of the account, we learned we were being charged for 2-3 extra phone lines which increased our bill dramatically. After complaining about this issue ( and still paying so our service didn't go out ), they did not fix the issue and it persisted. At the start of the second month, my account went into fraud and my account was shut down, this is because the 2-3 extra phone lines that they added on my account were not being used ( for obvious reasons ) and if a phone line/sim is not used for a certain time, your account goes to fraud. I then had to prove to them that I was not committing fraud. They eventually solved the issue but could not renew my account as once it goes to fraud, it can not be opened. My services such as internet, cable and phone were all shut off and I had to go to a public library to even call them and try to resolve the issue. I then talked to someone via online chat box and after much deliberation they attempted to solve the issue and only have me pay what I owed that month which was about {$95.00}. I did pay and it was resolved only for a few days and then the whole account was suspended again due to non payment, this time the payment was well over {$1500.00} as when the account went into fraud, the payment plans I had on my phones were cancelled and they attempted to charge me for 2 brand new phones even though it was supposed to be only one new phone. I do have a copy of a transcript of the conversation I had with the agent and I do have the case # with XXXX in which I tried to solve. I refused to pay this as not only were they over charging me, they weren't even giving me service and charging me for things that were not even there. They would not help me over the phone after I tried multiple times and it came to the point where I had to leave and just find another provided. I refused to pay this amount and I told them why, but they just sent it to collections and thus my credit has been held XXXX since. ATT Case # : XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75071
Submitted Via: Web
Date Sent: 2018-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX, I was notified by XXXX from my XXXX account that a collection debt was flagged. XXXX/XXXX and the collection agency they use XXXX XXXX XXXX XXXX ( ERC ) put a debt collection on my credit report and I never received a bill. This charge is from XX/XX/XXXX! I paid a previous balance in XX/XX/XXXX and the debt was paid. They also had my current address and current phone number which has not changed. I called XXXX/XXXX and have called the collection agency and complained about this. They are currently saying I owe a debt of XXXX which I do NOT. We have also learned the reason why I owe this is because when I paid for the service back in XX/XX/XXXX at one apartment and then had to move into another apartment 6 weeks later and transferred the service, they did not transfer the ENTIRE service! They have admitted the billing/ accounting error and have still demanded I pay the XXXX. After numerous complaints and numerous back and forth phone calls, a lady from their administration service has told me the bill is valid. After researching on this and I demanded them to send me a copy of the contract and paperwork, they have told me they can not produce it! So I am being told by these 2 ridiculous companies that I owe a debt of XXXX with no contract or paperwork and no previous bills ... When I paid the debts in XX/XX/XXXX, nothing was ever stated to me nor mailed. One more thing, both debts on my XXXX credit report states PAID and CLOSED. So after reading this situation, please let me know if you can help me. Today during a conversation with XXXX/XXXX, they told me that the debt collection was through XXXX, the debt that was reported on my credit was through ERC. XXXX XXXX XXXX XXXX. I have also disputed this debt with XXXX, XXXX, and XXXX. I also have some screenshots saved and a few conversations recorded from XXXX/XXXX, and yes they were told they were being recorded. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37110
Submitted Via: Web
Date Sent: 2018-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account XXXX XXXX ( original creditor not listed ) account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX ERC ( Enhanced Recovery Company ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. Your immediate response will be greatly appreciated. XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2018-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have asked for validation, this account does not belong to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I obtain a copy of my credit report. XXXX is showing a bill for {$1300.00}. I have never been notified of this debt. I have disputed this with the credit bureaus and was advised this had been validated. No information has been provided to me with proof of the debt
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2018-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: This acct needs to be VALIDATED not a verification but VALIDATE the acct with a Certified Copy of TRUE BILL not a statement and the Original Documents with my Wet Seal Signature on it send me all proof request or REMOVE acct. Spoke to a XXXX on XX/XX/2018 who refused to honor my request to have this account VALIDATED telling me I had to contact the company first then he said they cant VALIDATED this acct. they have to dispute it 1st when every time you dispute it takes 30 days so this acct has to stay on my credit for over 60 days that's XXXX when that is called an verification and that is not what I told them to do its called VALIDATED THE ACCT. not a verification its a difference then I request to speak with his Supv. which his supv. refused to get on the line and XXXX comes back with this script is stopped him and said I will be reporting this to the ( Cfpb ) snice you and your supv. Refused to do your job this is my credit you can't tell me what to do about my credit and the Accts. That's on them they need to be VALIDATED this is my right by they law that I have a right to ask that any acct. On my credit file be VALIDATED not a verification so I don't wish to have this account to just be disputed I DEMAND THEY ACCT TO BE VALIDATED ONLY not an dispute or an verification my new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX and i called in and dpoke to a XXXX who was a supv. Who told me and verified that my address was updated and I was just told it wasn't updates I did record the call and I told them it was recorded NOBODY DOES THEY JOB THEY ONLY LIE UPDATE MY ADDRESS PULL UP THE RECORDED CALL I WAS TOLD MY ADDRESS WAS UPDATE IT STARTED FROM ANOTHER SMART MOUTHED SUPV. NAMED XXXX THESE PEOPLE ARE ALL LIARS PEOPLE LIE NUMBERS DON'T all mail sent to the XXXX XXXX address will be returned. UCC 1-308 WITHOUT PREJUDICE
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92354
Submitted Via: Web
Date Sent: 2018-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A