Date Received: 2017-03-01
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: There is a debt from enhanced recovery for XXXX. I have never had an att account in my name. My mother had an account ; but, she is now in a XXXX XXXX with XXXX. For some reason, XXXX has decided to put the account under my name and social security number as they ca n't collect from her. Enhanced Recovery has placed the negative information on my account for {$970.00}. I 've told them when they 've contacted me the debt is not mine. It was opened in my mother 's name, and under her social security number. I was informed by debt collector that because we lived at the same address, and I had the benefit of those services, and because I am my mother 's power of attorney, I am now liable for the debt and they refuse to remove it from my credit. THIS IS NOT MY DEBT.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78413
Submitted Via: Web
Date Sent: 2017-03-01
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I ordered XXXX over the phone in 2016 over the phone we had agreement on a price for services but then when I receive my bill it was totally different they repeatedly wanted me to agree to new terms and agreements that we 're not in my favor I thought I was being taken advantage of over the phone they would keep trying to renegotiate a plan that was unfair I felt like they were stealing from me I cancel the service and they threatened to charge me {$340.00} disconnection fee if I did not stay with them they tried to bully me to keep their service but I disconnected it. They said part of the disconnection fee was for the equipment the XXXX XXXX on top of my house which they never came back to get also I asked him to give me the document or the recorded message stating that I agreed to a {$340.00} disconnection fee they could not show proof
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2017-03-06
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-02
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: Its the third time i get new collection for same accounts. After crefit bureau erase and promise after 2 time i went thru this they could not re sale same debth. I was victim of identity defth. The agency when receive this collection should look at your records and stop of this from happening,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-03-06
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Several years ago XXXX bought out XXXX XXXX co. I paid my final bill off with them. XXXX takes over and my bill goes up but I pay them faithfully for past several years.Well my credit score dropped XXXX points in the last 2 days. I go online to find out an credit collection agency ERC has posted a unpaid debt of XXXX with all credit reporting agencies. When I called them about this they said it was XXXX, filed this against me and they did n't know what it was for. I went to XXXX and they said it must have been an old bill, when I requested them to give me proof of this they had none. I paid those folks off before XXXX took over. But what 's worse is they sent me a bill marked XX/XX/2017 which clearly states I had 30 days to dispute this charge today is XX/XX/2017. And they already reported this to all the credit reporting agencies. I am livid about this I tried very hard for the past 10 years not to have any negative credit issues and there about to do this as easy as taking candy from a baby. My complaint is ERC and XXXX. Why can they exhort consumers and get away with it. Something needs to be done about them, they do n't even have to prove anything. If I brought a case against them claiming they owed me I would have to prove it! Why do n't they have to? Why are they allowed to ruin someone 's credit? It took me 10 years to build it up!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31525
Submitted Via: Web
Date Sent: 2017-03-01
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-27
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: The company has failed to provide any type of proof that this debt even belongs to me. The company never submitted a letter or any type of notice that I a debt with the company but in the mean time the company is reporting on my credit report. Since noticing the account being reported on my credit, I have submitted a Consumer Debt Validation which I have attached.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76134
Submitted Via: Web
Date Sent: 2017-02-27
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-28
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I decided to try XXXX services for my wife and I so I purchased phones for both of us. After a day or two of trial we felt unsatisfied so we headed back to the store and we returned all items. We got charged with restocking fees and taxes. Later on I got a bill in the mail in which I was being charged {$1200.00} for the returned items. After several attempts of arguing for about XXXX months about whether I owed XXXX or not I was dismissed of such charges, but a month after I was charged by a collecting company called ERC for {$61.00}. I asked them to explain such charges weather if they were fees or taxes and they we unable to disclose information. Therefore, I asked them to send me a bill in the mail with details about the charges, as well as a dispute package and they told me they would send me a bill. About the dispute part, they said that I needed to call XXXX to discuss the charges with them but XXXX said that I had to discuss this with the collecting company. I never received a detailed statement neither a chanse to defend my self about such charges, I checked my credit score and found a red flag in it because of this. I am now hoping you may help me with this case. Thanks :
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77521
Submitted Via: Web
Date Sent: 2017-03-02
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-27
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was contacted last year XXXX XXXX XXXX by a debt collector working for XXXX XXXX XXXX about an outstanding debt ( XXXX ) which was not due by me. Bill was under my name but I had left the country ( Job in XXXX ) in XXXX XXXX. My ex husband did n't pay his Internet bill and the bill was under my name : as a result, the debt collector contacted me and I paid {$100.00}, last year XXXX XXXX XXXX ) but the debt collection shows on my credit report and will up to 7 years. The Debt collector does n't want to delete the debt collection file so it affects my credit score. I want them to remove that debt collection from my credit report because I paid and settled that debt which was not mine. Thank you fr helping me with that.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75024
Submitted Via: Web
Date Sent: 2017-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-27
Issue: Disclosure verification of debt
Subissue: Not disclosed as an attempt to collect
Consumer Complaint: I have never had XXXX billing, and do not owe any charges for XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 136XX
Submitted Via: Web
Date Sent: 2017-02-27
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-25
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: This debt has been disputed and it was found that original collection company did not have sufficient information to validate debt so item was removed from my credit file. However, they sold it to another agency, ERC and if is now reporting again.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75150
Submitted Via: Web
Date Sent: 2017-02-25
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-26
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: In the first week of XXXX 2014, I paid ERC XXXX dollars for a XXXX phone bill over the phone with a debit card to my bank account.In addition ERC charged a fee in excess of that amount to pay them.not for expedited service but to simply pay my debt. Even though the fee was less than XXXX dollars, ERC DOES NOT DISCLOSE this total amount paid on my credit report.The reason they fail to is that " pay-me '' fee is illegal according to CALIFORNIA XXXX FDCPA.IT WAS ILLEGAL/FRAUDULENT TO CHARGE ANY FEE THAT WAS NOT EXPRESSLY DISCLOSED IN XXXX ORIGINAL CONTRACT.Additionally they have verified to XXXX and XXXX that the account is paid in full not in excess of paid in full and do not disclose the amount actually paid by me,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92262
Submitted Via: Web
Date Sent: 2017-02-26
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes