Date Received: 2017-04-21
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I was contacted by a debt collector for XXXX , and they refused to give me an address, nor would they send me a letter, they wanted my bank information by phone and I refused.I had not heard from them until recently, because a new company now owns the debt and it has been placed on my credit report. The debt is approximate ly 6 years old. Th e bill must have been going to my old address ... and I was never contacted by phone until it was sent to collections.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11010
Submitted Via: Web
Date Sent: 2017-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-20
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: ERC ( debt collection company ) claims to have an account from XXXX XXXX XXXX to collect {$30.00} owed. I have been receiv ing notices for about a year now and call XXXX XXXX XXXX every time. We have never owed them and XXXX XXXX XXXX continuously advises me we owe nothing, this is a known scam to them and to ignore the debt collection company. The debt collection company has been notified every time they call and they refuse to stop sending mail and calling.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NM
Zip: 880XX
Submitted Via: Web
Date Sent: 2017-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I purchased UNDER XXXX XXXX WRITTEN CONTRACT ... a NEW PHONE ... & with a BUNDLING package deal ... .aka ... XXXX / XXXX XXXX COMBINED CONTRACT! WHEN XXXX CHECKED MY PAST HISTORY, an outstanding account showed up ... ..UNDER A FALSE NAME OF XXXX XXXX ... NOT ME! XXXX CHARGED ME A {$350.00} DEPOSIT UNTIL XXXX XXXX DID A IDENITY INVESTIGATION .. . 3-4 da ys later, XXXX CONTACTED ME & stated that IDENITY was proven inaccurate & they LIFTED THE TEMPORARY HOLD ... . XXXX XXXX WOULD BE OUT TO INSTALL UNDER CONTRACTUAL BUNDLING PUTCHASED & THAT I WOULD RECIEVE MY {$350.00} back in 72 hours!!!!! THIS HAS NEVER HAPPENED ... .WHEN I DIDNT RECIEVE MY DEPOSIT BACK & XXXX XXXX BILLED ME ... .with NOTHING RVER RECEIVED FROM MY XXXX CONTRACT!!!! I contacted Store manager, Corporate Headquarters, spoke numerous times to XXXX & XXXX . Got to the point of contacting XXXX XXXX Legal Dept, requesting Arbitration!!!! I was told by XXXX AT THIS POINT TO RETURN ALL EQUIPMENT, which I did!!! They turned me over to XXXX XXXX for non-receipt of equipment!!! AFTER CALLING & sending them my return tracking # .... The dispute was removed from my credit reporting agencies ... ..Investigated & settled! Now in the midst of refinancing my home, a new charge from XXXX XXXX -ENHANCED RECOVERY COLLECTIONS TURNS ME OVER AGAIN FOR {$480.00} for BREAKING MY CONTRACT " Early Termination '' FEE!!!!! I called Enchanced RECOVERY ... & Again disputed XXXX XXXX . I was not given a reference # from them, explained that XXXX FAILRD TO BUNDLE, I did not order XXXX XXXX TO INSTALL, that XXXX DID AFYER LIFT IFF MY IDENITY ISSU E IN 2015! I CONTINUE TO CALL XXXX " Originator '' & have Gotten numourous apologies, BUT IT HAS NEVER BEEN CORRECTED!!!!! I have been mis-lead, harassed by collection agencies upon my credit reporting agencies, BUT HAVE NEVER BEEN CONTACTED BY XXXX OR XXXX BY MAIL THAT THIS WAS HAPPENING!!!!! This is pure fraud! I have not received my {$350.00} deposit back, never BUNDLED, NEVER GOT CONTRACTED BUNDLING PACKAGE & have been through XXXX XXXX legal!!!!! This is against the law! I just called XXXX XXXX AGAIN ... They tell me they ca n't tell me anything because I Do not have a reference # from Enhanced Recovery. I again try to contact Enhanced Recovery & they tell me it 's been sent back to XXXX SINCE ORIGINAL DIDPUTE WAS SETTLED & Released after filing dispute with prior collection agency & after investigating, Was closed & deleted???????? They would not give me any additional info!!!! Therefore, XXXX TELLS ME I CANT PROCEED WITH MY CLAIM AGAINST THEM " Originator of Bundling Contract '' Without # of reference from Enhanced Recovery!!!!! What in the heck am I supposed to do to get my deposit back from XXXX XXXX that was supposed to be released in 2015 & How the heck can XXXX GET AWAY WITH THIS!!! M y credit score has dropped, myI am XXXX XXXX XXXX , I have made numerous trips to Corp XXXX stores & numerous phone calls!!!!!! XXXX HAS NOT TAKEN RESPONSIBILITY FOR " FAILURE TO HONOR ORIGINAL BUNDLE AGREEMENT ". I have suffered FINANCIALLY, emotionally & physically!!! I am under Medical care & their error ... .which they ADMIT!!!!! .., continues ON!!!!! Please, help This mis-leading, null & voided contract, my {$350.00} to be refunded & once & for all, XXXX aka XXXX STOP THIS!!!! I did not authorize Installation of XXXX XXXX WITHOUT RECEIVING HOLD LIFTED ... Identoty fraud ... .as well as hand writing thin on XXXX XXXX 's INSTALLERS PAPERWORK!!!!!!! They ar e RESPONSIBLE!!!! !!! Please, before civil action under FCDPA, HELP THEM TO CLEAR MY ACCOUNT UP IN FULL & maybe save another VICTIM TO THEIR BLAME GAME BUNDLING CONTRACT!! Thank you & I so appreciate & look forward to your response.
Company Response:
State: MO
Zip: 650XX
Submitted Via: Web
Date Sent: 2017-04-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-20
Issue: Incorrect information on credit report
Subissue: Account status
Consumer Complaint: Date of Opening Account requested, plan of service, history of plan to prove this account should be removed ENHANCED RECOVERY CORP Balance {$25.00} Original Creditor : XXXX High Balance XXXX XXXX , XXXX Opened Date XXXX XXXX , XXXX Last Reported Individual Account. Remove from my report Immediately
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
State: MN
Zip: 55122
Submitted Via: Web
Date Sent: 2017-04-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Apparently, XXXX XXXX XXXX XXXX sold a closed/paid account of mine to a collector. A collection account that was on my credit report through Enhanced Recovery was sold to another collections company, XXXX . Now, both are appearing on my credit report and XXXX is mis-representing the date the account was open. The open date should have been XXXX / XXXX / XXXX but they are claiming it was open in XXXX . They are also reporting that I missed a payment in XXXX . I have never heard of this company and I have never received any information from them. I 'm in the process of buying a home and this is now preventing me from doing so.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31405
Submitted Via: Web
Date Sent: 2017-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-19
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: This collection is for an early termination fee for cell phone service from XXXX XXXX . First of all I have successfully disputed this debt several times and it was removed from my credit report. Then the Debt collector sold the Debt to another Debt c ollection agency and it appears back on my credit report. The dates of the erroneous debt was falsified prior to being sold to the next Collection agency to make it appear as a recent and valid dated outstanding debt. This is actually a very old account and that in itself should warrant its removal. As to the original early termination fee charged by XXXX XXXX . 1 ) I was a long standing customer of XXXX XXXX and was never late with a Paymen t 2 ) S ince had the service for a very long time I was no longer under contract with XXXX XXXX therefore an early termination fee would not app ly. 3 ) I contacted XXXX XXXX in writing 30 days prior to terminating the service. I do not owe this money and I will never pay this invalid bill because I do not owe it. But it has taken up a huge amount of my time responding to the false charge. Please assist me in its removal. This negatively impact me in several ways. If this charge had appeared when I recently refinanced my house it would have resulted in a higher interest rate which would have affected me financially for years. This is a predatory collection. I understand its their business. But I have to work for my money and Im not giving it away for free. That would equate to letting them steal from me. That 's not happening. Thanks for your help.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 357XX
Submitted Via: Web
Date Sent: 2017-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-18
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Account was paid as agreed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77338
Submitted Via: Web
Date Sent: 2017-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-18
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This company continues to call my mothers home repeatedly, a third party, although they have been informed I do not reside there and was asked to stop calling on several occasions by the third party, my mother.
Company Response:
State: CA
Zip: 932XX
Submitted Via: Web
Date Sent: 2017-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-18
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I have sent multiple letters to ENHANCED RECOVERY CORP in regard to an collection on my account some letter have come back address not valid. by law if they have not sent any information to validate my debt then it should. be removed. I have no knowledge of this account nor do I have an actual contract with this company.. Under the Fair Credit Reportin g Act, 15 U.S.C. 1681g I have the ri ght to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them t o 3rd pa rties yo u are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. has an consumer I have the right to dispute any information on my credit report that In fact think is not valid at all.
Company Response:
State: NC
Zip: 27105
Submitted Via: Web
Date Sent: 2017-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-17
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I have been receiving calls from the ERC debt collection agency for a person named XXXX XXXX. There is no person by the name that lives here- no one by that name on any of the bills or mortgage associated with my address- or by that name in my family. I have told the debt collector that and have been told they would mark my phone number as invalid. They lied because they have continued to harass me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2017-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No