Date Received: 2017-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My XXXX Credit report shows ERC placed a collection account on my credit file. I am requesting debt validation
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30168
Submitted Via: Web
Date Sent: 2017-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was awakened early this morning, around 7 a m by a representative of ERC Collections. It was an attempt to collect a dept for my father in law who has recently passed away. They have already called my wife previously and been told to cease and desist. My phone number has never been listed on any of his medical documents. The company in question has gone through the extent of doing a background check on my mother in law to find any phone records with numbers associated with her name. That is how they obtained my number. I have since informed them to cease and desist their activities or else I will be taking further legal action. I also asked for their XXXX XXXX business license number to solicit calls for debt collection and they refused to provide me with a valid license number. This company is based in XXXX Florida When I asked them for proof of the original debt in writing they could not do that either. They do not possess licensing fo XXXX XXXX XXXX .
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
State: WA
Zip: 98409
Submitted Via: Web
Date Sent: 2017-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: ERC started to report on my credit file without send me a 30 day right to dispute .... I had already paid the XXXX debt prior to them reporting and by law they have to notify me with the 30 day right to dispute.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 84121
Submitted Via: Web
Date Sent: 2017-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: They do n't have the right to collect in the state I reside in which is the state of Maryland. The address that comes up on my credit report is XXXX , FL. Also, on my credit report the full does n't appear either. It says Enhanced Recovery Compan instead o f Enhanced Recovery Company.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21061
Submitted Via: Web
Date Sent: 2017-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a charge off for XXXX XXXX / XXXX XXXX for {$160.00} on my XXXX XXXX card it went to collections agency XXXX XXXX back in XX/XX/XXXXand then it went a third party collector in XX/XX/XXXX. I have paid over the amount owed between the 2 collection agency and XXXX is still stating I owe over $ 74.My bank accounts show payments made XX/XX/XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$35.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$32.00} XXXX XXXX XXXX XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX XX/XX/XXXXeE ERC {$33.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX {$25.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX {$25.00} XXXX XXXX XXXX XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX So I am not sure if the collection agency distributed the payments to the orginal creditor. I have well over paid the amount due back in XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IA
Zip: 51503
Submitted Via: Web
Date Sent: 2017-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a collections notice regarding this balance on or about XXXX. Pursuant to my rights under the FDCPA, upon receipt of that notice I responded appropriately to dispute that alleged debt, requested verification of the alleged debt against me, and that a copy of the bill be mailed to me. I never received any response from any agency regarding this balance and assumed it was resolved.
In XXXX XXXX, I identified a ( meritless ) derogatory remark on my XXXX credit file in XXXX XXXX from Enhanced Recover Company, LLC. I had no prior contact with that company prior to that remark. I called ERC onXX/XX/XXXX. They had no records of any prior notices sent by your office or any other debt collection agency, nor could they send me verification of the alleged debt at the time of the XXXX XXXX call. I received a letter from ERC dated XXXX XXXX however it fails to provide the other required items required by the FDCPA 809 ( 15 U.S.C. 1692 ( g ) ), including sub-sections ( a ) ( 3 ) - ( 5 ).Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10128
Submitted Via: Web
Date Sent: 2017-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I disputed this enhanced recovery corp account and did not get a proper dispute result. The validation letter I sent reads as such : I checked a copy of my credit report and realized that there was a collection reported from your agency, which I was not notified about. I do not reject to provide with the debt amount. However, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), that your claim is disputed and a validation is demanded. This is asking for proof regarding the debt that I owe and verifying it. I am requesting you to stop all collection activities including reporting this information on my credit report. I am sure that you are aware of the fact that non-compliance with this request may end up in legal obligations.
Please dispatch copies of the following with your reply : 1. The agreement which authorizes you to collect debt on the assumed debt. 2. The signed agreement from the debtor confirming to pay the debt. 3. The documents regarding the payments made on this account and validation of the amount. enhanced recovery corp failed to validate this account. This account need to be removed immediately. enhanced recovery corp is violating the laws. There are two accounts from Enhanced recovery corp on my credit that needs to be removed.Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44128
Submitted Via: Web
Date Sent: 2017-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Enhanced recovery contacted me with intent to annoy. Company never sent out a dinning letter, with a right to dispute. I had to communicate back with XXXX to get matter resolved. I received calls and it was beyond annoying and affected my job performance. Companies such as enhanced recovery should be barred for their practices. It is not ethical at all. I will be uploading documents within the next 10 days.I also ask for copies of the letter sent along with the dates of communication as well as the phone number.
Thank YouCompany Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95835
Submitted Via: Web
Date Sent: 2017-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have never taken out this XXXX XXXX account this is fraud remove this
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77014
Submitted Via: Web
Date Sent: 2017-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: ERC sent a notice to my address on XXXX/XXXX/XXXX in regards to a debt that they are assuming I owed offering me a payment or settlement on the account ... ALSO ON THE LETTER IS SPECIFICALLY STATES UNLESS YOU DISPUTE THE VALIDILITY OF THE DEBT OR ANY PORTION THEREOF WITHIN 30 DAYS AFTER RECIEPT OF THE NOTICE THE DEBT WILL BE ASSUMED TO BE VALID BY US IM confused the letter was mailed on XXXX/XXXX/XXXX received on XXXX/XXXX/XXXX but it was reported on my credit on XXXX/XXXX/XXXX?????? I am in the process of closing on my home and I feel they know this and would be easy way to collect the debt ... ..BUT I KNOW THERE HAS TO BE A LAW THAT STOPS THIS HOW CAN THEY MAIL A LETTER ON XXXX/XXXX/XXXX BUT ADD IT ON MY CREDIT ON XXXX/XXXX/XXXX THIS IS UNFAIR AND I KNOW THE LAW DOES NOT ALLOW THIS AND HOW DO I EVEN KNOW THIS IS MY DEBT I DID NOT GET AYTHING SAYING IT WAS MINE OR PROVED IT TO BE MINE EXCEPT A STATEMENT ASKING ME TO PAY ERC HAS UNFAIR AND FRAUD PRACTICE AND THEY SAY IT WAS OPEN IN XXXX XXXX????? WHEN THEY MAILED A LETTER XXXX/XXXX/XXXX THIS REALLY MAKES NO SENSE AT ALL I have attached my credit report and also the letter ... ... ... ... ... ... ....
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 294XX
Submitted Via: Web
Date Sent: 2017-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A