Date Received: 2016-12-28
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I financed an Iphone 5 with XXXX back in XXXX and I had full coverage insurance. The phone was stolen around the end of XXXX and i put in for an insurance claim. XXXX said I needed to file a police report and give them a copy of it. I faxed it in, I mailed it in and then I faxed it again. The first two times I called to see if they got it they said they did n't. The third time I was told they did have it. In about XXXX or XXXX of XXXX the investigator sent me a letter saying that they found the phone. I asked him if it had been wiped clean, as I had lots of pictures of my daughter and my dad who had passed away on that phone. I really just wanted the pictures and did n't think I had really any right to the phone since the insurance covered it. So I called XXXX and told them about the letter and that the phone was at the XXXX Police Dept and did they want the phone back. They told me no, and then they proceed to tell me that they did n't get the report in time to do the insurance claim. It takes 2-3 weeks min to get the report and i sent it a few times to them. The problem is back then XXXX 's customer service was horrible, no one knew what they were doing and I got conflicting infomation about everything whether is be a billing inquiry, or complaints about service. I traded in my old Iphone and they told me in the store I was to get {$200.00} credit toward the new one, and when it never showed up on my statement- I finaced the phone for like {$20.00} a month, customer service told me that I never traded in a phone and there is no record of it. Finally after hours on the phone and going back and forth to the store, talking to managers, they finally gave me {$50.00} for the phone and that their employee made a mistake by telling me i was to get {$200.00}. So now they have sent this to collections. I dispute it with the credit bureaus and it gets removed from my credit file, then the collection company sells the debt to another collection agency and the process starts over again. This last time my dispute was finalized XX/XX/XXXX and this new account was opened on XX/XX/XXXX. I never know when it will show back up. And unfortunately for me, I am a single mom with XXXX kids, im on public assistance, I work but only make about {$1200.00} a month take home. My car just broke down and it going to cost more to fix it than it worth. I wanted to go get a {$5000.00} loan for a car and was planning on paying most of it off when I got my taxes. Other wise on the train and bus it takes me almost 4 hours to get the kids to school and daycare, then I go to work for a few hours and it takes another 4 hours to get home. I need a car other wise my kids do n't get homework done in time and when we arent home til XXXX its time for bed, they have to get bathed and eat and they will be going to bed too late and not getting the proper sleep, and spending all day on a bus and train is not cool. And of course that day the collection shows back up again. There must be something I can do, the credit bureaus said it is legal for them to do this and they can continue to do it til they can not report it. I am afraid to call them because I do n't want the statue of limitations to start over, I do n't trust them. Is there any recourse I can take to resolve this once and for all. If an emergency happens and I dont make much money, I need my credit to fall back on, and was finally getting good again. Other wise my kids wo n't eat or rent wo n't get paid and we will be back on the street again. It happened before when my credit was bad. They should not be able to do this especially if it has been disputed and removed after I furnished the proof of everything, what should I do?? I still have the letter from the police investigator, I have ordered another report because I lost it. Let me know if I should submit that when I get it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92056
Submitted Via: Web
Date Sent: 2016-12-28
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-29
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I have been having problems with this company called Enhanced Recovery LLC collection agency. They have been continuing a collection on my account for awhile even after I have explained to them I do not owe this account. I have asked them to give documentation with my signature proving that I am the owner of this account, they refuse to. I have been dealing with this company for awhile and want them to remove this inaccurate information as it is hurting my character and credibility. This company can not send me the original contract proving this debt to be mine. I want them to remove this inaccurate collection off of my credit report immediately.
Company Response: Company believes complaint is the result of an isolated error
State: IN
Zip: 46322
Submitted Via: Web
Date Sent: 2017-01-06
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-27
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: This debt does not belong to me yet creditor has on my report
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32810
Submitted Via: Web
Date Sent: 2016-12-27
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-26
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I was XXXX at the time when this debt occurred
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07728
Submitted Via: Web
Date Sent: 2016-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-23
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid charter communications through Enhanced Recovery system and it is still reporting unpaid. I have proof letter from them. Account # XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 35022
Submitted Via: Web
Date Sent: 2016-12-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-22
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am retired ( XXXX ) and living in XXXX. I moved from XXXX, CA over 3 years ago ( XX/XX/XXXX ) after living there for 28 years. All bills were paid including my cable bill ( equipment also returned XXXX to XXXX at their XXXX Connection location. A month ago I received a collection notice XXXX XXXX. XXXX ) from ERC XXXX Enhanced Recovery Company ), XXXX, XXXX, FL XXXX stating that I owe XXXX {$230.00}. They threaten me with reporting to Credit Bureau. I called ERC on XX/XX/XXXX and told them I do not owe XXXX any amount of money.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90262
Submitted Via: Web
Date Sent: 2016-12-22
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-12-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Made several attempts to obtain records. Regarding Balance ... ..have last statement Bill of balance which was {$300.00} I had no problem paying and was told they would not accept that amount. Do n't feel I should pay because contract agreement was I could cancel after 30 days because I did n't like the service and I did and XXXX keep charging me. Everytime I call about account I 'm told call someone else and given the run around. I disputed the account on XXXX it was closed then reopened with no communication about the debt. This is unjust I 've made attempts to pay debt. I 'm being forced to pay something else. It 's ruining my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21244
Submitted Via: Web
Date Sent: 2016-12-21
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-12-22
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: Gradated undergrad in 2007, into the recession. Could not find a stable good paying job to keep up with my private loans. My private loans where sold to XXXX in which XXXX sold them to another collection agency. I was contacted by ERC in an attempt to collect the debt, and they wanted to settle for what was the balance of my all my private loans at XXXX. I agree and borrowed more money to pay the debt that was agreed for XXXX, but ERC Lied and allocated the funds to other accounts that were NOT discussed and changed the parameters of the settlement without notifying me prior. It was only after I had paid them, that they sent a cryptic letter saying what account the funds had really been allocated too, thus furthering ruining my credit score and lying. IS THIS LEGAL.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21045
Submitted Via: Web
Date Sent: 2016-12-22
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-21
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I have no knowledge of said debt
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38116
Submitted Via: Web
Date Sent: 2016-12-21
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-22
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: Recently I contacted the XXXX credit bureaus XXXX, XXXX, XXXX requesting my annual credit report and I realize that the company named ERC with address XXXX XXXX XXXX, XXXX, FL XXXX .And I realized that this company is trying to collect XXXX dollars in the name of XXXX XXXX Where I did not time authorized XXXX to share my personal information such as my social security, my date of birth and my first name and my last name with any collection company including ERC. Therefore I need ERC to erase my information from their records and stop trying to collect the amount of XXXX dollars, since I never signed any contract with them, where I authorized them to have my personal data to satisfy its business. Therefore and others I demand this company remove my data from their files, so that I do not have to see myself in the obligation to take legal action, since in the past I was a victim of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92173
Submitted Via: Web
Date Sent: 2016-12-22
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No