Date Received: 2016-06-07
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XXXX XXXX, XXXX our house burned down. All XXXX equipment was lost in the fire. We called XXXX on XXXX XXXX, XXXX to report the loss of equipment. We were told by the customer service rep that we would receive a bill for the final amount. In XXXX XXXX, we received a statement dated XXXX XXXX, XXXX showing the charges for the service and equipment. On XXXX XXXX, XXXX we paid the balance on the account. Now, 3 years later, we are being harassed by XXXX collection agencies for a XXXX charge of {$140.00} for which they have not produced any documentation as proof that this is a valid charge. The harassment began in XXXX XXXX and has continued even though we have produced documentation showing our account paid in full.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46033
Submitted Via: Web
Date Sent: 2016-06-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-05
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: CFPB Complaint Number XXXX I had an account with XXXX for phone service. Coverage was terrible, as I travel around the country as a delivery driver. So, we discontinued our service with XXXX and went to another cell phone company. My spouse was making monthly payments towards the debt. When we purchased a home a blemish was reported on our credit report of an outstanding balance owed to XXXX. The spouse paid this amount and a little over a year later another collection agency tried to collect a higher amount owed to XXXX from us. I have a letter from the XXXX collection agency stating the amount was collected, but they had failed to forward this information to XXXX during a phone call with them. I have attempted to get copies of all statements from XXXX for a time period from XXXX XXXX through present date while on the phone with a representative. That has failed. I am mailing a letter to Customer Relations requesting the statements on XXXX XXXX, XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IA
Zip: 510XX
Submitted Via: Web
Date Sent: 2016-06-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-06-03
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Do not owe this debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32137
Submitted Via: Web
Date Sent: 2016-06-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-01
Issue: Communication tactics
Subissue: Called after sent written cease of comm
Consumer Complaint: I 'm complaining because I got a recorded call ( not a call from a real person ). The recording identified the company as ERC. The phone number of the incoming call was XXXX. The recording instructed me to call them and gave me a reference number of XXXX. I 'm not going to call them. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21212
Submitted Via: Web
Date Sent: 2016-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-02
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Enhanced Recovery Company, LLC has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07050
Submitted Via: Web
Date Sent: 2016-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-06-01
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XX/XX/2015 I received a notice from ERC collections that I owed {$170.00} to XXXX XXXX XXXX. It stated that if I paid {$99.00} it would settle the debt. I immediately went and got a money order and sent it to them. XX/XX/XXXX I was notified by my credit monitoring company I had a negative collection reported. I found that it was a totally different company saying I owe the {$72.00} balance, XXXX XXXX. I called ERC and got proof that I paid the settlement amount and it is a paid account. I submitted XXXX disputes to every credit bureau. XXXX and XXXX deleted it within days. XXXX on the other hand, I have filed XXXX disputes and they will not recognize that it is a duplicate that was incorrectly sold to another collection agency. I do n't understand how company 's can just say a person owes something when they have proof they paid it. This is unfair to all the people that pay their bills. Sadly, I still do n't even know where the bill came from! I just paid it because I wanted it to go away but I refuse to pay the balance after I paid the {$99.00} like I was told to do. XXXX is terrible and our government should not let these companies have as much leeway as they do. Collection agencies should have more restrictions on them. Being able to just charge someone for something because they want to is not fair credit reporting!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30121
Submitted Via: Web
Date Sent: 2016-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-29
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I am being harassed by ERC collections over my son 's credit card debt with phone calls and dunning letters. We have the same name but I have nothing to do with the debt. I have told them this on the phone but the relentlessly harass me with more calls and letters. I am XXXX years old and not well anymore. Help!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2016-05-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This is something that has already been negotiated an paid through a credit specialist and I have not opened anything with anyone in 2015 for that amount of money not paying XXXX twice this needs to be corrected!!!!!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-05-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-27
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: Debt Collector is still reporting debt that they state they submitted a request to be deleted in 2014
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2016-05-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-26
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I filed an dispute with ERC on XX/XX/2016 and XX/XX/2016 and requested copy of original contract with my authentic signature that begun this alleged debt. I never received the contract that begun this alleged debt with my authentic signature from ERC. ERC are in violation of the FDCPA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2016-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No