Date Received: 2017-07-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Called in XX/XX/XXXX about this debt amount, was given a payoff amount of 282.00. One payment in XX/XX/XXXX and XX/XX/XXXX, they did get XX/XX/XXXX but debit the wrong date for the XX/XX/XXXXand then reported it on my credit report. I would like it to be taken off because it is erroneous. I did not know nor was I told that if they do n't get this payment they would report it to my credit report. I was given no time to respond to the debit the tried to take in XXXX they just immediately stuck on my report. No calls about the debit nor letters as to date I had to call them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30906
Submitted Via: Web
Date Sent: 2017-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX client XXXX XXXX is an identity theft victim. Someone used his information to establish a fraudulent phone account with XXXX XXXX XXXX without his consent. A dispute of identity theft was sent to XXXX XXXX XXXX however they have refused to release XXXX XXXX of this debt ; their stance is a FL state drivers license was used to establish the account and that license information was XXXX XXXX XXXX. This account inquiry and the associated collection account activity has been and is still, being reported to XXXX XXXX credit reports. During the previous attempts to dispute this account XXXX XXXX XXXX has requested XXXX XXXX to provide various documents to verify his address during the stated time the account was opened, to which he complied and provided. This issue has also be escalated to the State Attorney General of Florida because of XXXX XXXX XXXX continued violations of federal consumer rights of my client. As of XXXX/2017 an official account disclosure request was mailed to XXXX XXXX XXXX Office of the President in order to get ALL the information associated with this account. XXXX XXXX XXXX has maintained they have a right to continue to harass XXXX XXXX concerning this account based solely on a divers licenses being presented at the time of the activation however when asked to provide that information ; as is their obligation under both federal laws of the FDCPA and the FCRA ( since these items are reporting to the credit reports of my client ; XXXX XXXX XXXX failed to provide any of that data. In addition my client has received another collection notice concerning this account ; an account that XXXX XXXX XXXX has not yet provided ANY ACCOUNT DISCLOSURE for.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34786
Submitted Via: Web
Date Sent: 2017-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: A company named Enhanced Recovery Corp has file a collection notice on my report. I have attempted to speak to one of their employees but they do not respond. I have not received any notification from these folks. The debt they say I owe is {$84.00}. I do not know what that is about. Enhanced Recovery Corp. XXXX XXXX XXXX XXXX, Florida XXXX
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
State: FL
Zip: 33185
Submitted Via: Web
Date Sent: 2017-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Collection Agency Reported to XXXX Credit Bureau ( Below is the information Reported by the collection agency : Agency Address : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Cable/Cellular Original Creditor Name : ERC XXXX XXXX Account Number : XXXX Account Owner : Individual Account. Original Amount Owned : {$120.00} Date of 1 st Delinquency : XX/XX/XXXXBalance Date : XXXX Balance Owned : {$120.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Consumer disputes this account information THIS IS A FALSE CLAIM THAT I OWE ERC XXXX XXXX OR ANY OF THEIR SERVICES AN AMOUNT. I HAVE NEVER REQUESTED THEIR SERVICES NOR DO I KNOW OF THIS ACCOUNT. I have already tried to contact the collection agency back in XX/XX/XXXX providing them with my full name and my address, but the collection agency refused to give me detailed information unless i provided them with my Date of Birth and Social Security. The collection agency also refused to give me their full name of the rep i was talking to and the Rep hang up the phone on me. I also disputed this account on XX/XX/XXXX to XXXX Credit Bureau.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90016
Submitted Via: Web
Date Sent: 2017-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-21
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX terminated my cellular account & service on XX/XX/XXXX. The termination was executed by a XXXX employee/agent during the course of a telephone call I made to complain about lack of coverage. XXXX has misrepresented cellular service coverage in XXXX prior inquiries I made. The XXXX agent acknowledged XXXX 's lack of service coverage in the area, offered to terminate my account & service, & advised me that I would be sent a return reauthorization number & shipping label to return the XXXX XXXX that I had leased from XXXX ( when I opened the account in XX/XX/XXXX ). I never received the return authorization number or shipping label. Furthermore, notwithstanding my repeated calls to XXXX to have the return authorization & shipping label sent to me so that I could return the XXXX, I never received either -- & was never contacted by XXXX with other instructions. I also attempted several times to return XXXX 's XXXX XXXX to three different XXXX ( brick- & -mortar ) stores. None of the XXXX XXXX XXXX stores or their employees, including store managers, would accept the phone for return. Rather, on every occasion I was directed by XXXX stores & employees to contact XXXX XXXX & to return the XXXX XXXX to XXXX XXXX. Months went by. I called XXXX repeatedly in XX/XX/XXXX & again in XX/XX/XXXX. In my conversations with various XXXX employees, including self-designated managers, I was advised that my account was closed & that I woudl be contacted ... again ... with instructions for returning the XXXX XXXX. I never received any instruction, return authorization number or shipping label. During the period from XX/XX/XXXXthroughXX/XX/XXXX XXXX, notwithstanding the fact that it has terminated my account & cellular service, was stiull assessing cellular service charges against my account in the amount of {$50.00} per month & assessing the XXXX lease charge of {$23.00} per month. After XX/XX/XXXX, I called XXXX to demand that it stop assessing service & leasing charges against my account & that it send me the return reauthorization & shipping label to return the XXXX XXXX. On XX/XX/XXXX, I called XXXX yet again & spoke with, XXXX, an Account Manager in its Financial Care Division, who advised me that he was submitting an OCA form to XXXX 's Cash Apps Team to have the XXXX Return Reauthorization executed & to have my terminated account updated to reflect the return of the XXXX XXXX, & to have the illegal cellular service & leasing charges assessed from XX/XX/XXXX through XX/XX/XXXX & XX/XX/XXXX. XXXX promised me during the recorded ( by XXXX ) telephone conversation that he or someone else from XXXX XXXX XXXX would contact me within 7 days to follow up on the status of the XXXX return authorization & corrections to the billing records reflecting the removal of the illegal cellular service & XXXX leasing charges. XXXX never contacted me. On Monday, XX/XX/XXXX, I pulled my XXXX Credit Report in advance of my plans to purchase a new car later that day. I pulled the XXXX XXXX Credit Report because I planned on financing the purchase of the new car with an auto-purchase loan. The XXXX XXXX Credit Report revealed that XXXX had assigned a {$550.00} debt collection to a debt collection agency named Enhanced Recovery Corporation ( XXXX, FL ). As a result of the adverse credit report & debt collection assignment by XXXX to Enhanced Recovery Corporation, my FICO credit score dropped from XXXX to XXXX. I contacted XXXX again & spoke with two different Account Managers, XXXX XXXX XXXX, in the XXXX XXXX XXXX Division. Both advised me that on XX/XX/XXXX, XXXX had designated my account, including the XXXX XXXX -- which is still in my possession ( in perfect condition, boxed, & ready to return to XXXX ), as a ... '' 'write-off '' & that on XX/XX/XXXX XXXX had assigned the write-off in the amount of {$550.00} to Enhanced Recovery Corporation . On thhe same day, XX/XX/XXXX, I called & spoke with XXXX at Enhanced Recovery Corporation. I explained all of the above to her & that I still had the XXXX XXXX & that I was perfectly willing to return it to XXXX or to Enhanced Recovery Corporation. In the debt collection write-up, Enhanced Recovery Corporation advised me that XXXX had charged me {$270.00} for the XXXX XXXX & aprpoximately {$280.00} for cellular service from XX/XX/XXXX through XX/XX/XXXX& for the monthly XXXX leasing costs of {$23.00} for the same period, & {$32.00} for the debt-collection assignment fee. XXXX & Enhanced Recovery Corporation refused to accept return of the XXXX & advised me that even if I made payment of {$550.00} to Enhanced Recovery Corporation that same day -- or had XXXX contact Enhanced Recovery Corporation to terminate the debt-collection action, Enhanced Recovery Corporation ... would NOT remove the debt-collection report against me ( to the credit reporting bureaus!!! As my other car was totaled in an accident, yesterday I had no choice but to proceed with the purchase of a new car. Because of the adverse credit reporting by XXXX & Enhanced Recovery Corporation, which resulted in my FCIO score dropping to XXXX, I was forced to agree to an auto-purchase loan with XXXX XXXX at an interest of ... .7.99 %!!! That 's nearly 4.5 % more than the interest rate I would have qualified for with my prior FICO score!!! And furthermore, I had to accept a 72 month amortization level to get my monthly auto-loan payment to an affordable amount, {$370.00}, which is {$65.00} per month more than I would have paid with a 3.5 % auto loan over a 60 month amortization period. I ask that XXXX & Enhanced Recovery Corporation remove the debt -- collection action against me, advise all the credit reporting bureaus of the removal, & that XXXX & Enhanced Recovery Corporation send me a reauthorization & shipping label to return the XXXX XXXX. I also seek compensation for the damages caused by XXXX & Enhanced Recovery Corporation for the escalated finance costs that I was forced to assume in the auto-purchase loan agreement.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: After being denied an auto loan, I checked my credit, I noticed there was a collection account from Enhanced Recovery Solutions ( ERC ). I contacted ERC and was informed that a letter was sent to me in XXXX XXXX . They place this debt on my credit report on XX/XX/XXXX . They acknowledged that the first initial letter from them was sent to me MONTHS after it was placed on my credit report. The requirement is that once a debt collector has initiated collection on a debt, they are required to send a formal collection ( " dunning '' ) notice within 5 days thereafter. Reporting to a CRA is an act that triggers requirement for timely dunning notice. If the failed to comply, then they are in violation of their debt collection practices obligations under FDCPA 809 ( a ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2017-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In reading my XX/XX/XXXX credit report, I saw that Enhanced Recovery Corp has filed a collection report with XXXX, claiming I owe {$47.00} for a Cable or Cellular creditor. Enhanced Recovery Corp has never contacted me, nor have they sent a written validation notice of this alleged debt. I have no knowledge of this collection. I disputed this collection with XXXX onXX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20853
Submitted Via: Web
Date Sent: 2017-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Account Details Bureau Name ERC Original Lender XXXX XXXX Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$230.00} Date Account Opened XXXX XXXX 2015
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Several of weeks ago I asked for validation of an alleged debt owed to XXXX . I received response from ERC stating I would receive notification in the mail of this alleged debt. On XX/XX/XXXX I received letter ( attached ) from ERC in regard to my response to this dispute. The letter was a billing statement. My request was for validation of the debt of which was not included. In accordance with the Fair Debt Reporting Act ( F CRA ), proper validation must be included upon request. If validation can not be produced per FCRA, all collection efforts must cease and can not be reported to any of the national reporting agencies. Please produce proper validation. If validation can not be produced and ERC continues collection efforts from this point, I will have no alternative but to seek legal action up/and to suit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-18
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: ERC repeatedly contacted my grandmother over a debt I supposedly owe for a phone bill. The bill was never sent to my address, which would 've been the only address within the phone bill account. I have never lived in the state that my grandmother resides or been associated with her address. These are illegal collection practices, as this information was never provided to this debt collection company. I received the bill recently from my grandmother that 's dated for XXXX / XXXX /2016. I 've contacted the company. They were very rude. I was completely unaware of this debt, as they 'd been sending it to the wrong state. They apparently have sold the debt, so they assured me there would be no more bills sent to my grandmother. This illegal collection practices need to be stopped. It 's definitely a defamation of character.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WV
Zip: 255XX
Submitted Via: Web
Date Sent: 2017-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A