Date Received: 2016-12-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am filing this complaint because I recently received a collection notice from a company called Enhanced Recovery Collections. It was a collection notice for an XXXX account. Even though I do n't agree that I owed XXXX anything, I started doing some investigation. However, because I was never notified that there was ever any money owed until I received this notice from ERC, I called ERC to ask for more information. I called on XXXX XXXX of 2016. The representative who I spoke with employed the stereotypical collector attitude. And after long deliberation, the representative told me that if I paid him this account in a settlement, that he would make sure that this would never be placed on my credit report. Although I was skeptical, the deal sounded too good to pass up so I went ahead and paid him. Fast forward almost 30 days later and I have a big problem. After reviewing my XXXX account, the ERC collection for XXXX that I was told would never appear on my credit report ended up appearing on my credit report! It shows as a paid collection. I understand that this may not be a problem to some people but it is a big problem to me. For XXXX, I was lied to and given a false promise in order to get me to pay an account I did n't even agree I owed. That is not only morally wrong but it is also illegal. Secondly, because I was lured with a false promise in order to pay this account, my right to dispute and have this debt validated went out the window. Now I am very furious. Under the Fair Debt Collections Practices Act XXXX XXXX. False or misleading representations, " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' The collector at ERC did just that. He told me this would never hit my credit report if I paid them and I did under the premise that this would never appear on it. If I knew that what he said was a lie, I would have simply disputed the account since I still do n't think I owed it. I have spent many years making sure my credit report is in good standing to let a lying collector simply ruin it. If ERC does not delete this account from my credit report then I will sue them. Please look into this for me because who knows what other things ERC is doing with people in their collection attempts. If they lied to me to get me to pay this, who knows who else they lied to.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93313
Submitted Via: Web
Date Sent: 2016-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-01
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Recieved a settlement letter for an XXXX collection in XXXX XXXX. This is the first communication i jad with a collection agency regarding this debt. I called them and they stated per phone that if i made the payment to them by XXXX XXXX XXXX that they would not report to credit bureaus. I paid it 2 weeks early and then they reported it after payment. I disputed with XXXX credit bureaus. XXXX and XXXX deleted this account. XXXX will not and i have disputed it 3 times. Ive called numerous times to erc and they keeping telling me something different. This is not the first time this has happened. In XXXX erc was reporting a debt that they never owned and XXXX would.not remove after multiple disputes and a year later it was finally removed
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 952XX
Submitted Via: Web
Date Sent: 2016-12-02
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-12-01
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: I have been a victim of Identity theft since 2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe XXXX months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to XXXX inquiries on my credit report. PLEASE HELP ME!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38106
Submitted Via: Web
Date Sent: 2016-12-01
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-30
Issue: Communication tactics
Subissue: Threatened to take legal action
Consumer Complaint: someone steal all my identity and been using my name and i do n't think its fair for cable bill to be mines
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2016-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-29
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: In addition to the disputes currently on record and filed with the FTC pertaining to the identity theft and the opening of accounts using my personal information. It was recently brought to my attention that there is a further account opened without my knowledge or authorization and i ask for information regarding the opening of this account and what details where used to verify the applicant. Please see the attached affidavit pertaining to the ongoing report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33073
Submitted Via: Web
Date Sent: 2016-11-29
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-26
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: never had account with these people and can not show me an contract that i sign but reporting to credit bureau
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20876
Submitted Via: Web
Date Sent: 2016-11-26
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-25
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: The name of the company is ERC and they keep calling me after I have asked them several times to stop calling me.They are calling about a relative of mine who does not live with me and is not at my address or my phone number.But they keep calling.The lastest calls all all automated with a message to call them and a reference number thens hangups.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93308
Submitted Via: Web
Date Sent: 2016-11-25
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-23
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: This dispute and investigation is for Enhanced Recovery. I had phone service with XXXX XXXX and was ending my contract with them and I was charged twice for a payment on my card. They continued to bill me for a third time when I explained they already received two payments. They continued to pursue me for compensation and I refused to pay because I was already charged previously. The account went to collections which it should NEVER have, and I disputed this file and had it removed a couple times from my report. Enhanced Recovery has since appeared on my report owning the same debt which was placed in a collections status plummeting my credit score. I needed it to go away to save my credit score so I paid the balance AGAIN in full in XXXX 2016 to get rid of the collections status. This account is still on my report and in collections status, I demand it be removed for good!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2016-12-13
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-22
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: I was a victim of identity theft and noticed a collection from Enhanced Recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Enhanced Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76134
Submitted Via: Web
Date Sent: 2016-11-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-22
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I Had an owed debt with XXXX which was sent to collections to Enhanced Recovery Company. I spoke with them and they offered me a settlement which I took and paid. All of this time it was not on my credit report at all whatsoever. After it was paid which they see on their system It was than reported to all three credit bureaus as a collection also as unpaid although it is paid. They are reporting false information on my report, I lost 43 points because of them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10466
Submitted Via: Web
Date Sent: 2016-11-22
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No