Date Received: 2016-05-25
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I am trying to purchase a home and was advised that I needed to resolve a XXXX account that had a blanace of XXXX. I did not understand how the balance could be that large for XXXX phone line so I called on XXXX/XXXX/2016 to ERC the listed agency who holds the debt. The could n't give me any information nor had I ever had any contact with them or notification of debt from them previous to the conversation. I told them I did n't agree with the balance. They failed to put my account in a dispute status at that time because of a comment I made about wanting to contact XXXX for more information regarding the account and large balance. I had said that I would call back. Despite me wanting to contact the original creditor the fact that I told them I do not agree with the debt they should have moved the account into a dispute status. They did not causing further delay in being approved for a home loan. I did not contact them back until XXXX but I did contact XXXX and they gave me the numbers that were on the account and the alternate numbers were for my mom and my brother. I never authorized them to get on my account and they did n't think they were on my account either further confusing me as to how I ended up with such a large balance. In XXXX I received a letter from ERC offering a settlement on a XXXX account for XXXX. I thought this was an amazing opportunity to pay off this debt. What a good deal right! Wrong, I called in and paid the settlement by phone and thought it was all said aand done only to find out almost a month later when advised by my broker that the account had n't updated on my credit that I paid a whole different XXXX account. I never received any communication from them regarding the second account. Was not advised that I had a second account with them when I spoke to them on XXXX/XXXX/2016 and when I called to pay the settlement was n't asked again about the first account. My first contact with them regarding the second account was when I got the settlement letter and called to pay the settlement. So by then I was pretty upset and again being delayed in the approval for a home loan. I called to request a refund on the account that I paid the settlement and a request to put that into dispute to since I was unaware of an additional account. That 's when I found out they had not even put my first account with the large balance on my credit in dispute at all yet. I made sure that they put it in a dispute status then ( this was the end of XXXX ) I sent a request for more information letter which I used the CFPB sample letter to write up. I sent that via certified mail. ERC received the letter on XXXX/XXXX/2016 but on XXXX based on my phone call I assume, they mailed me verification of debt which consisted of just XXXX biling statements. They provided that for the first account but not the second account. I still have not received anything for the second account. Also no one has been able to explain how the phone numbers were added to the account. XXXX said I had to file fraud. I do plan on doing so I just have not had the opportunity to file fraud with them yet. I will file a separate complaint for the second account so that they each have their own and link this complaint number in the second XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78201
Submitted Via: Web
Date Sent: 2016-05-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-25
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They are trying to collect a debt from someone I do n't know. They just keep calling and calling. After several months you would think they would stop calling my number, but nope.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 55408
Submitted Via: Web
Date Sent: 2016-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-24
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: I have made this complaint about this company Enhanced Recovery Corp. that is still showing on my credit Reports as a negative trade. The original fie was already disputed and was found to not be my account I have never signed anything with that creditor and did report that it was frequently. Enhanced Recovery Corp a collection agency has not place the same account on my trade stating that I owe which is not incorrect. Enhanced Recovery Corp. sent me a response via the CFPB stating that they will remove the trade, but it will take them up to 45 days. In one week I apply for another lease for an apartment for my family and I to move in and since I have already been denied a place to live last month because of inaccurate reporting. I know that I will get denied again because, of the inaccurate reporting cause by Enhanced Recovery Corporation via the CRA 's I have arranged to speak with legal counsel in regards to Enhanced Recovery Corporation. and the XXXX, XXXX and XXXX for False or misleading representations. I have already enclosing a copy of sections 6058, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft to the attorney General of California for the original credit and the last XXXX collection agencies. I refused to wait 45 days for Enhanced Recovery Corp to remove the inaccurate trade. Enhanced Recovery Corporation has an Inactive Status in the state of XXXX and withdrew authority to transact business or conduct business in the state of XXXX in 2010, but incorporated under the laws of XXXX. When researching Enhanced Recovery Corporation in XXXX I was not able to locate the Corporation, but discover another entities with different names other than what is reflected on my Credit Reports. Enhanced Recovery Corporation has continues to damage financial reputation, negligently support the enablement of identity fraud, and violating the Fair Debt Reporting Act. Why does this deceptive misleading practice continue and why does the Consumer Financial Protection Bureau does not place more research on the abusive debt collection companies.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92707
Submitted Via: Web
Date Sent: 2016-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-24
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: XXXX is charging me {$120.00} but the phone I purchased for them got stolen and I have no way of returning the phone and my income status is really low.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77471
Submitted Via: Web
Date Sent: 2016-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-23
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: This debt buyer PARKED a collection on my credit reports without my knowledge and in doing so, they are in violation the FDCPA 809 ( a ) Collection Practice of placing a collection account on my credit reports without sending a dunning letter to me. XXXX XXXX XXXX also failed to follow FDCPA 809 ( a ) by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. Upon reading my credit reports a collection for this alleged debt has already been added, and removed by another debt buyer ( Enhanced Recovery ) and by them! The collections were removed by XXXX on XXXX XXXX, XXXX and was removed by ( ERC ) on XXXX XXXX, XXXX, reinserted and then removed again on XXXX XXXX XXXX. I request that they verify the following information. XXXX. Registration/License Number that allows them to collect in the state of Louisiana! 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2016-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-22
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I bought XXXX XXXX phone purchased in full. I had a no contract month to month payment plan where you paid for any phone service up front. I canceled the service due to the month to month price increasing. I do NOT owe XXXX any money. My credit report indicates it is in collections. This is an error on the part of XXXX!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33813
Submitted Via: Web
Date Sent: 2016-05-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-22
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Consumer Complaint: I did n't have the money to pay the bills at that time. I 'm willing to start a payment process.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23803
Submitted Via: Web
Date Sent: 2016-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-22
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: A year ago I received a bill from XXXX XXXX XXXX in the amount {$690.00}. I contacted XXXX and was told that this bill was in error and that I do not owe this. I asked how did I get this in the first place and they claimed that originally that I had missed some payments. So I asked to be transfeered to their colllection department just to make sure the that both departments were saying the same thing. We went over the bill for the past 7 months ( the months they claimed I owed ). This is when I was told that I did not owe balance and that they would take care and make it right Last week I received this same bill this time from their in-house collection group. I am furious.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2016-05-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-20
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: This is a unknown debt. I have disputed and requested validation and nothing has been received. Please help
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2016-05-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-21
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I have never been contacted by the original debtor for debt or current debtor.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2016-05-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No