Date Received: 2016-11-21
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I have a a unverified account from ENHANCED RECOVERY COMPANY # XXXX. I had previously disputed this account. I have never done business withENHANCED RECOVERY COMPANY. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY COMPANY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WV
Zip: 253XX
Submitted Via: Web
Date Sent: 2016-11-21
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-21
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: I have a bill on my credit report that has been shared in collections with a third party agency. I know for a fact this bill is well over seven years old and the amount is way over the actual bill can you please help me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2016-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-19
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: 77086
Submitted Via: Web
Date Sent: 2016-11-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-18
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I have multiple collection agency reports on my credit report from XXXX and enhanced recovery company which I have never personally opened accounts with. They have increased up to {$640.00} which is recorded as a cable/cellular service which I have never subscribed to. I want this record off of my credit report as it is damaging to my character and I did not authorize these accounts. They show up on my report as early as XX/XX/2016 and I know for a fact I have never opened any cellular or cable accounts in that time.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28562
Submitted Via: Web
Date Sent: 2016-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-17
Issue: False statements or representation
Subissue: Impersonated an attorney or official
Consumer Complaint: hello, on XXXX XXXX, 2016 I received a call from XXXX at XXXX XXXX XXXX time. The caller advised they were a XXXX XXXX XXXX representative and were trying to collect a debt in the amount of {$820.00} for a unreturned cable box. The caller was unable to provide any account information in reference to the time warner cable bill she was trying to collect for so I requested to dispute the amount/bill. I then called the XXXX XXXX XXXX XXXX Customer Service number to speak with a representative in regards to the amount due. I provided XXXX XXXX XXXX with all my personal information needed to access an account and the XXXX XXXX Representative had absolutely no record of an account. I called XXXX to discuss the questionable amount due since XXXX Customer service has no record of an account. The company recording advised it was ERC, a debt collecting agency. Why did they misrepresent themselves as a XXXX representative on the first call XXXX/XXXX/2016? The ERC representative was unable to provide any verification for the bill/amount and advised it needs to be paid. I advised them XXXX has NO RECORD of an account your claiming is past due. The representative then placed me on hold and provided me with the XXXX XXXX XXXX Fraud Dept Number and advised me to contact them to dispute the matter. So I contacted the XXXX fraud Dept and was told there is nothing they can do since there is no account to access or investigate. I called ERC, again who posed as XXXX in the initial call made XXXX/XXXX/2016, and advised them of the issue. They were still unable to provide any form verification of the debt and advised they do not have any original information for the debt, just the amount. I 've requested ERC provide the audio/media from the initial call received XXXX/XXXX/2016, stating they are from XXXX. At which point, the representative hung up. I 've called them numerous times requesting more information for the debt they are claiming I owe and have been addressed in a VERY unprofessional manor and hung up on. Please assist as this has affected my credit report and ERC is unwilling and unable to provide any verification of the amount they are stating I owe.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80231
Submitted Via: Web
Date Sent: 2016-11-17
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-16
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Once XXXX XXXX, 2016, When I received notice that a XXXX XXXX bill was in collections. I immediately called the agency to verify this account. I provide my full name, address, and social security number and the representative was not able to locate an account with the information I provided. She informed to send and email to XXXXXXXXXXXX with a snapshot of the account on my credit report. I also included a validation request to show proof that I owe XXXX XXXX XXXX for the amount of XXXX. I did not get a response to my email and I called once again to be told the same information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2016-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-15
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I have a unverified account from Enhanced RecoveryXXXXXXXX I had previously disputed this account. I have never done business with Enhanced Recovery. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Enhanced Recovery Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Enhanced Recovery Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 43068
Submitted Via: Web
Date Sent: 2016-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-15
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: 76018
Submitted Via: Web
Date Sent: 2016-11-15
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-14
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have file a couple of dispute against a collection company, that were collecting for XXXX and won my disputes and it was remove off my credit report in collection. I do n't understand why is Enhanced Recovery Corp. is trying to collect on something that have already been investigated, solve and remove off of all XXXX credit bureaus. I have no agreement with Enhanced Recovery Corp or spoken to them on this issue. I like would them to remove this collection off my credit report or I will pursue a civil suit for harassment and for reporting false information on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2016-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-11-14
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I had XXXX XXXX telephone lines for me and my family during XX/XX/XXXX, In the month of XX/XX/XXXX I closed my accounts with XXXX and went to another company. I fully settle the XXXX final bill dated XX/XX/XXXX which I received on XX/XX/XXXX by a cheque for {$60.00} sent under USPS certified mail.This XXXX had been realized from my a/c.In XX/XX/XXXX I received a letter from XXXX saying that I have a outstanding Balance of {$240.00}. Then I contacted XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I informed them that I have settled my final bill and I have nothing to pay.I also informed them that I have received a letter from Experience that my personal information has been hacked in the hands of XXXX, They agreed to that and said its being investigated and let me know the out com.But they never came back to me .Then I camplane it to CFPB too too, But I did not received a answer ( cse # XXXX ). Their after I received noticed from Debt collecting company named XXXX XXXX, requesting me to pay {$170.00}. Again I received a collecting notice from XXXX on XX/XX/XXXX requesting me to pay $ XXXX those occasions I explained to them the facts The latest from Debt collecting company named ERC contacted XXXX over the phone and requesting to pay {$91.00}, they have all ready reported to credit burou too.I have proof of all the document with me to prove what ia have said
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07650
Submitted Via: Web
Date Sent: 2016-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No