Date Received: 2018-01-03
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: Dear CFPB, I am submitting a complaint against XXXX XXXX XXXX. Back in 2014, I had a phone account with XXXX. Last year, XXXX informed me that my account has been sent to XXXX XXXX XXXX. I was not provided written notice of this debt at all in 3 years. According to Florida Law, I was supposed to be provided with written notice of the debt. The company has not contacted me in almost 3 years since then, and the information was reported negatively on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33147
Submitted Via: Web
Date Sent: 2018-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I got a phone call from XXXX requested some payments from me about a debt I was not aware of. When I asked a copy of the invoice they never sent it to me. Therefore, I feel unsafe to share any information with them, even though they have been pressing me to verify my social security number, to such request I declined.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2018-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is not my account, I 've never authorized for services through XXXX XXXX XXXX. If they can prove with a written signature that I authorized this services, please have them show that. I have never had XXXX XXXX XXXX services. I do n't rent a home why would I need this service. This is not my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48375
Submitted Via: Web
Date Sent: 2018-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX is illegally reporting a more recent status date of XX/XX/XXXX on a XXXX phone bill debt from XX/XX/XXXX to XXXX and XXXX. The debt is past the statute of limitations for collections.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77044
Submitted Via: Web
Date Sent: 2018-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This debt collector keeps calling and leaves NO message, they call early in the morning time and later at night. They have been told to stop calling and to NOT call anymore in the last several months.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28658
Submitted Via: Web
Date Sent: 2017-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received a letter from ERC for a settlement amount on a previous debt. I paid the settlement amount in full and by the requested due date. Then a few weeks later, I received another letter requesting additional amount. I am not sure why the amount of this debt continues to change.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 01876
Submitted Via: Web
Date Sent: 2017-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not know Enhanced XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93534
Submitted Via: Web
Date Sent: 2017-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I recently received a copy of my credit report and I noticed an account was placed with collections in my name that I have no knowledge of this debt. In XX/XX/XXXX I sent a certified letter to the collections agency asking for debt validation and I never received a response back. I again sent another letter in the beginning of XX/XX/XXXX and made phone calls with no success. This debt is not mine and Ive tried every option I could think of to fix this debt
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11429
Submitted Via: Web
Date Sent: 2017-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Received an alert on credit file for XXXX, XXXX, and XXXX XXXX saying new collection added to file. It stated XXXX of which I have yet to have spoken to a person regarding a debt, I have never received on written documentation in order to properly research and accept this debt all verifiable.it was just added as if I do n't acknowledge, and do n't care which is never the case. I 'm a single mother bettering myself and this is a passive illegal tactic most debt collectors like to do to your credit file, to make the person seem they do not care. This is not fact when no contact an legal notice of debt has never been received from this company for this said debt, by law giving me the customer a right to dispute, or accept this debt as is.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: 726XX
Submitted Via: Web
Date Sent: 2017-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: yes I contacted by phone enhanced recovery and tried to dispute the charge they stated I had to fax or mail it so I did they still have not fixed this false debt as I never had a XXXX account in my name ever.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30093
Submitted Via: Web
Date Sent: 2017-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A