Date Received: 2017-05-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX I moved into a new house in a different city and transferred my services to that address. A few months later I received bills in the mail for a different addr ess on the same street with my name on it. It appears that duplicate accounts were made with my name and social security. The company would call me couple times per day to the point I had to block their number. I contacted them twice and spoke to the collections department both times they stated that two acco unts were registered and my social security number. I never received any calls or mail about being sent to collections. Most recently XXXX XXXX I received notice via my credit report that I had an account in collections with an agency.
Company Response:
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2017-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XXXX XXXX , 2017 , I wrote a letter to Enhanced Recovery Corporation that also goes by ERC a collection Company, of notice disputing their claim of this alleged debt with their client XXXX XXXX also known as XXXX and requested documentation of such, with no response from them. So I filed a formal complaint with the Consumer Financial Protection Bureau case number XXXX . Enhanced Recovery Corporation or ERC responded back to my complaint on XXXX XXXX , 2017 , stating quote " In response to XXXX XXXX 's complaint, ERC has no record of a XXXX XXXX account matching his information ''. I have confirmed with the credit bureaus XXXX and XXXX XXXX that Enhanced Recovery Corporation is reporting this alleged debt twice once under the Name Enh anced Recovery Corporation and the second under ERC. Enhanced Recovery Corporation and or ERC are still not reporting to the credit bureaus that this account is in dispute and still not have provided the documentation as requested of this alleged debt as required by law and are in violation of the Fair Debt Collections Practice Act ( FDCPA ). They have intentionally misrepresented the truth to CFPB and I have the supporting documentation from the credit bureaus stating as such.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 55024
Submitted Via: Web
Date Sent: 2017-04-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am trying to clear up a debt owed by myself for a XXXX XXXX from XXXX ; wherein at that time I was in XXXX ; I never had a XXXX bill and have just recently been released from XXXX on XXXX XXXX , XXXX . I have tried to clear the matter up with both XXXX and the Enhanced Recovery Corp ; and after speaking with XXXX XXXX and opening up a fraud report # XXXX , still I am not able to have the issue cleared up. I do n't understand h ow one person in XXXX could even be held responsible for a debt? Could you please contact me as soon as possible to try and clear this issue up?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21236
Submitted Via: Web
Date Sent: 2017-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have made a settlement which was for less than half the balance owed on XXXX XXXX , 2017 and it 's still on my credit report for a different collection agency.
Company Response:
State: MD
Zip: 21206
Submitted Via: Web
Date Sent: 2017-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The following agency Enhanced Recovery Corporation is not bonded in the state of Texas, therefore can not legally collect debit. Please remove from my credit report and confirm this debit is not owed.
Company Response:
State: TX
Zip: 76006
Submitted Via: Web
Date Sent: 2017-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Enhanced Recovery Group is trying to collect on a debt that does not belong to me. They also can not show proof o f any contract for the said debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Enhanced Recovery Corp is the agency representing XXXX who is the original creditor for this account collected against me for the amount of {$1500.00}. I found out that they reported it again by XXXX , 2016. I have sent letters and complaints about this account ; I have being asking for XXXX to open an investigation since the time the transaction was done to find out who steal my identity, also how and where they did it?, I am trying since yeas ago without any success. In fact, they refused to open an investigation and still forcing me to pay for XXXX devices I never purchased in firs place. I am statementing that I have being a victim of Identity Theft and harassment from XXXX and XXXX collection agencies related. I need help, please. This is illegal and unfair.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07013
Submitted Via: Web
Date Sent: 2017-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I received a letter from ERC that they wanted to settle my debt. I called them with a financial Counselor on the line with me. The Manager XXXX told us if I paid the {$140.00} of the {$290.00} owed that I would receive a letter stating I 'm was settled with a XXXX balance. I requested to have this letter of intent ahead of time but XXXX said he could not but that the call was being monitored and he could not lie. I said I know companies sa y one t hing and change later. He said no he could not do that he gave me his number and Extention. I was told to have faith in people! I made the payment same day Thur XXXX . It posted next day. I was told to call Monday XXXX for my letter. I called XXXX for my letter. I was told my letter woul not say a XXXX balance. I told them everything the Man. XXXX told me and They told me i was n't making any sense. They refused to listen to the recording. The letter that was sent specially says this debt was not paid in full. Instead of the XXXX balance I was told it would.
Company Response:
State: IL
Zip: 60540
Submitted Via: Web
Date Sent: 2017-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-25
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I am getting many phone calls attempting to collect a debt asking for a person that has a different name than mine. It is only the same first name. They tell me they will stop calling me and they continue to call. Now I am got a letter in the mail. The letter has a contact phone number and they do not answer the phone it goes to a voicemail. They are not returning my calls. I am not this person they accuse me of being!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77380
Submitted Via: Web
Date Sent: 2017-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX , 2017 To whom it may concern, I have been trying to properly cancel my account with XXXX under buyers remorse since XXXX . They sent me XXXX new phones for which I promptly mailed back to them using the XXXX return shipping label Tmoblie provided. The phones were lost by XXXX in their shipping and XXXX has assumed responsibility for that claim since XXXX . Since XXXX , XXXX says they have reached out to XXXX in writing requesting several times that TMOBLIE respond to their questions before they can issue XXXX payment. XXXX says XXXX has neglected to respond to any of their requests. From my perspective, I know that both these companies have wronged me since they have not resolved this silly paperwork issue between the XXXX parties and my credit is being destroyed. Meanwhile, XXXX has placed my account in bad standing by making it appear as though I have failed to pay my debt ( that I owe them for the phones {$3600.00} ) and sent my account to XXXX different collection agencies who are currently capable of destroying my credit. I have waisted 6 months of my life reaching out to XXXX as well as the collection agencies and XXXX to no avail thus far with no resolution in site, I am viewing this inaction to respond to XXXX to resolve this issue as an action to unjustly destroy my credit. I am asking that your agency step in to try to get them ( XXXX , XXXX , a nd ERC ) to notice me so that this case can get out of the bureaucratic level and be escalated to a level where this matter will finally be resolved. You would think this should be simple to solve since XXXX fully accepts blame and is willing to pay XXXX . XXXX wont speak to me because they say the matter is between XXXX and XXXX . XXXX wont speak to me because they closed my account and sold the supposed debt to XXXX debt collection agencies. The collection agencies are very abrupt with me and only want to know if I wish to pay the debt or if not they are reporting to credit bureaus. I am an honest person, and always pay all my bills and on time. Please help me. Im really stuck and I dont know what else I can do or who I can turn to.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2017-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A