Date Received: 2017-02-15
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I have notice per credit report that Enhanced Recovery reports that I owe XXXX for cellular services. I have never had an account with XXXX. They have not sent me any documents nor was I provided a contract with my signature or acknowledgement of this.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46205
Submitted Via: Web
Date Sent: 2017-02-21
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-15
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This complaint is in reference to account XXXX with Enhanced Recovery Corp. According to my credit report ERC took over this account from XXXX in XXXX of 2016 in which I was not aware of this account until ERC listed it on my credit report XXXX/XXXX/2016. Although the account was assigned to ERC and they had the account listed on my credit report I was instructed for the original creditor ( XXXX ) that I could make the payment to them and they would recall the collection from ERC and have the collection removed from my credit report. On XXXX I made payment to the Original creditor ( XXXX XXXX ) in the amount of {$160.00}. ERC was notified by the original creditor the payment day ( XXXX/XXXX/2016 ) that the account was paid in full and as of today has not reported the correct account information which has caused me to be denied credit. As of today after multiple disputes on this account ERC continues to report false information to the XXXX reporting agency which is a FCRA violation. For the last 6 months ERC continues to update XXXX reporting agency and list the account as an unpaid collection and with a balance owed ( {$160.00} ) in they are aware that the account was paid in full on XXXX/XXXX/2016. As of today I am prepared to sue ERC for not providing complete and accurate information to the credit bureaus and for not correcting inaccurate information in my report upon credit disputes. This is not acceptable for ERC to knowingly participate in unfair collection practices.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78634
Submitted Via: Web
Date Sent: 2017-02-15
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-14
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In 2014 I transferred my XXXX account to my roommate prior to moving to a new home. Paper copies of the transfer were signed as well as confirmation made with XXXX after the papers were filed with them. Since that point, I have been contacted 4-5 times from collections agencies who XXXX has hired to collect on bills incurred after the account was closed. When I have called XXXX about these charges, they have informed me that they have no records of my communications with them occurring ( including the previous 4-5 times that this has occurred ). The typical resolution after 1-2 hours of time on the phone is that XXXX has " sorted out '' the issue, which they admit is their wrongdoing, before informing me that they 'll let the collections agency know. 8-12 months later, the process has repeated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2017-02-17
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-14
Issue: Communication tactics
Subissue: Threatened to take legal action
Consumer Complaint: Got a letter in the mail said I owed XXXX XXXX XXXX. In XXXX not my home in Florida. Called them and they said they wanted additional personal information such as a copy of my driver 's license and electric bill. I thought this unwise and told them so. They proceed to tell me if I do n't give it to them they will keep calling, affect my credit rating and maybe take me to court. The entire approach is guilty until you prove yourself innocent. Since I have never been to XXXX, never rented an apartment in XXXX, and never asked for XXXX XXXX to be installed anywhere at anytime and could prove it I felt intimidated by their call. I made a personal trip to their office but they were unable to tell me when this transaction occurred. I have sent them XXXX letters explaining my life over the last 30 years but not providing them any other personal information. I have filed an FTC report and put a fraud alert on my credit reports.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32003
Submitted Via: Web
Date Sent: 2017-02-14
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-15
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I have no knowlegde of this debt and it is shown each of my credit reports.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2017-02-15
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-15
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I have contacted this debt collected with no response about this debt that I know nothing about. I have asked them to remove debt still no response. This collection on all XXXX reports is effecting my life. Legally it should be removed because this is not my debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32714
Submitted Via: Web
Date Sent: 2017-02-17
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-14
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I can not believe this is on here!!!!! Goes WAYYYYY back when I had XXXX as phone carrier until they were bought partially by XXXX ... I was release from XXXX and went with XXXX .... I can provide the release from them IN WRITING AGAIN ... They apparently did not notify this credit bureau ... Notice it is NO WHERE else.. Get it OFF of here before I sue The provider of this ...
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 438XX
Submitted Via: Web
Date Sent: 2017-03-23
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was specific that I would pay the agreed amount if they would give me a letter once paid stating that the debt was paid as agreed. I required them to send me a letter prior to payment addressing this. I received the letter prior to payment - stating that once my payment cleared the account would be paid " Less then owed '' ( but is was the amount that we settled on ). I paid w my bank card the funds were taken out of my account over {$600.00} I called everyday and was told I had to wait for the funds to clear -even though checking my bank the funds did clear. After 2 days the funds had cleared they sent me a letter stating the same thing as the pre payment letter - 'WHEN YOUR FUNDS CLEAR ... I explained to them this is not prof that the account was paid and then it says less than owed, and I tried to address them that they told me it was a settlement amount and should be a settled as agreed. I am trying to re-coop the monies from my bank and will pay the co directly ( which will be additional XXXX dollars ) but at least it will be paid.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77382
Submitted Via: Web
Date Sent: 2017-02-14
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-14
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I have had so many problems with Enhanced Recovery Corporation, approximately 4 days ago I got an alert telling me my credit report had dropped by more then XXXX points due to a new collection. Since I havent had any new collections show up in years I was confused. I honestly do n't even have any knowledge of owing the original creditor ( XXXX XXXX XXXX ) any money at all. On or around XXXX XXXX, XXXX Enhanced Recovery Corp removed this collection from my report ( or sold it to another company ). Then XXXX XXXX removed the same collection account on or around XXXX XXXX, XXXX. And again XXXX removed the same account from my report on or around XXXX XXXX, XXXX ... and now its showing up as a new account and dropped my credit score over XXXX points. There has to be some kind of law about this, especially because I never even got any notification to contest or deny the debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29579
Submitted Via: Web
Date Sent: 2017-02-14
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-14
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: On XX/XX/XXXX2017 I contacted ERC in regards to a letter my father had given me from them. I spoke with an individual and requested a copy of the written contract. At which time, I was transferred to a XXXX. XXXX continued to speak over me, belittle me, and engage in unprofessional and abusive conduct. I have subsequently had to see a XXXX as a result. Afterwords, I contacted the company and requested to speak with their attorney regarding their illegal conduct. I received an e-mail from a XXXX XXXX in response to my letter and clearly provided legal advice. Her own words state " XXXX XXXX let me advise to you, that no law exists where an employee of any agency is required to tolerate and withstand continued insults and bullying by a consumer no matter how angry that consumer feels. ". She goes on to provide legal analysis in the letter. After checking with the Florida Bar Association, XXXX XXXX is not licensed to practice law. Under Florida Criminal Statute " Engaging in the unlicensed practice of law in Florida is also a crime. It is a third degree felony. '' The conduct of this company and its employees is completely without word. It surpasses industry standards and recklessly disregards both civil and criminal law.
Company Response: Company disputes the facts presented in the complaint
State: KS
Zip: 67217
Submitted Via: Web
Date Sent: 2017-02-14
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No