Date Received: 2016-07-28
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: I recently disputed this account through the CFPB portal but I have not had a response from the collection agent or creditor. Case number : XXXX The details were as follows ; This account was not opened with my authorization and I am unaware of the details of this account ; the balance reported or am I responsible for any debts occurred on this account. As requested by XXXX please see the accompanied Fraud Packet completed and supporting identifying document initially mailed a few months ago. Please provide me with a copy of their response through the CFPB portal for my receipt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2016-07-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-27
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: This was oponed without my concern for a relative my name is is incorrect which is not my real last name. The person Hows opened this acccount is on jail. I do n't have to paid something that is not mine. Thanks
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2016-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-07-27
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: was not given any notice regarding this debt, therefor unable to verify its validity.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 63123
Submitted Via: Web
Date Sent: 2016-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-28
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: enhanced recovery co ( ERC ) WAS PAID BY ME ON XXXX/XXXX/2016. THEY WERE COLLECTING FOR XXXX, ORIGINAL CREDITOR.THE ORIGINAL AMOUNT DISPLAYED ON XXXX, XXXX AND XXXX WAS XXXX.THEY CHARGED AN ADDITIONAL FEE FOR A TOTAL OF XXXX.ACCORDING TO XXXX ( CA ) FDCPA IT WAS ILLEGAL/FRAUDULENT TO CHARGE ANY FEE THAT WAS NOT EXPRESSLY DISCLOSED IN XXXX 'S ORIGINAL CONTRACT.ALL XXXX BUREAUS DO NOT DISCLOSE THE AMT PAID AND DATE PAID BY ME WHICH IS INCOMPLETE INFORMATION BY A FURNISHER ACCORDING TO FCRA AND I UNDERSTAND WHY THEY WOULD WITHHOLD TO CONCEAL FDCPA VIOLATION AS WELL AS FCRA VIOLATION.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 922XX
Submitted Via: Web
Date Sent: 2016-07-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-07-27
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: I am not actually the primary party. I am the Third Party. I was contacted and asked for a family member 's information after I clearly stated that the person did not reside at MY number. I asked what the call was about and he said it was a personal business matter. Then do n't call me. He also refused to tell me what company he was with, but XXXX knows. Enhanced Recovery Company.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75048
Submitted Via: Web
Date Sent: 2016-07-27
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-07-27
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Consumer Complaint: They keep calling my cell phone, which is illegal. They have also called me at work. The company in question harassing me is known as Enhanced Recovery Company ( ERC ) XXXX They are calling me from XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32246
Submitted Via: Web
Date Sent: 2016-08-01
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-07-26
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I opened an account with XXXX a few years ago. I then closed my account within the 14 day grace period and was informed I would not be charged. Many months later I decided to start working on my credit and noticed that I had debt in collections from XXXX collection agencies for XXXX. After finding it impossible to remove it through calling customer service on every end and no one seaming to have an answer, I just paid the debt and moved on. Now over a year later, I am once again being charged for the same " debt ''. As I have already paid over {$500.00} for a debt that was incorrectly charged to me, I decided to once again fight the charges. I have now been sent in phone call circles by all parties involved and am continuously hung up on, told they do not have records showing said information, and am told to call this company or go into the store or call the agency where I am then sent right back to the person who told me otherwise. Debt collectors involved are XXXX ( new debt account ) and Enhanced Resource Centers ( which is identified under abbreviation ENHANCEDRE and ENHANCRCVRCO ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77320
Submitted Via: Web
Date Sent: 2016-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-24
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I checked my credit on my XXXX XXXX account and found a new debt on there from XXXX.I have XXXX XXXX internet service now and have never missed a payment.I cancelled tv service a few months ago and returned all equipment in boxes they provided.I have never been contacted by XXXX about this claim by mail, phone, or other.I have been at current residence for 3 years and my XXXX account has always been set up for monthly bank draft.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 38863
Submitted Via: Web
Date Sent: 2016-07-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-24
Issue: Disclosure verification of debt
Subissue: Not disclosed as an attempt to collect
Consumer Complaint: XXXXI get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. I did n't have any communication from the company before they put me in collection.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: 73160
Submitted Via: Web
Date Sent: 2016-07-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-22
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid payment in full to one collection agency, XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX, XXXX. Then, a year later I get dunned for the same debt by another collection agency : ERC, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. I called both agencies, plus the original debt holder, XXXX XXXX. XXXX XXXX sent me all related receipts indicating payment in full, but ERC and XXXX do n't appear motived enough to look at my paid receipts. I have attempted to clear this matter up on my own, but it seems not to be working. Thank you for your time.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10019
Submitted Via: Web
Date Sent: 2016-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No