Date Received: 2016-03-11
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Somewhere XX/XX/XXXX or XX/XX/XXXX my cell phone was stolen and I immediately called the XXXX to inform them of a stolen cell phone. We agreed to keep the phone on to keep GPS signal alive to try to locate the thief while XXXX would monitor any strange calls. That was Saturday, but on Monday I log onto the account and saw that strange calls were made to XXXX, although I am XXXX and I never even been in XXXX or have anybody there. So I called XXXX once again on Monday only 40h after my first call to them and they told me that someone has been making a calls to XXXX in amount of over a {$12.00} XXXX ... ..I just could not believe that XXXX would let someone make in one day over a XXXX calls ... ..and then they tried to held me responsible. Anyway I did dispute the charges and I had peace till now ... after almost 5 years some debt collection agency from Florida ruined my credit score with the debt I never even made. I called them and they said to me over the phone that they will send a Marshall to arrest me in 24 hours if I don`t pay. ABSURD!!!
Company Response: Company disputes the facts presented in the complaint
State: NY
Zip: 10029
Submitted Via: Web
Date Sent: 2016-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-11
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: In XXXX 2015 I received a notification on my credit report that I had a XXXX collections for {$300.00} reported. I disputed the charge with all XXXX credit bureaus and it was removed because I was able to prove it was not mine. Present day, the same amount was transferred to another collection agency and once again is being reported on my credit. I have contacted XXXX XXXX and still have not received a response. I am also disputing with the current collection agency.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85308
Submitted Via: Web
Date Sent: 2016-03-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: ERC, the collection agency have sent me " an attempt to collect a debt ''. They claim I owe to XXXX which is not true because I always do my payments. It is very annoying.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92069
Submitted Via: Web
Date Sent: 2016-03-25
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I receive 6-8 calls a day from different area codes but the same collector to get around the harrasment statutes.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19121
Submitted Via: Web
Date Sent: 2016-03-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-08
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I have been dealing with this collection for a few years now. Due to this, I pay to have my credit monitored. I have contacted all the bureaus and hopping through hoops eventually gets removed. However, due to this there are times my credit has dropped nearly XXXX points. The collection company Enhanced Recovery realized that this account did not belong to me, but to my father, which unfortunately for me we have the same exact name. I work hard for my money and always pay my bills on time. I have a letter from Enhanced Recovery, stating they would delete this, which they have but time and time again but repeatedly keep reporting this on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90650
Submitted Via: Web
Date Sent: 2016-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-08
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I received an automated telephone call from ERC Debt Collection at XXXX this morning asking me to call another phone number. I pay all of my bills on time and I have an excellent credit rating. I Googled ERC Debt Collection and see there are many complaints of phantom bills that they are trying to collect on. Many stated that ERC reported to the Credit Bureaus false information and they were having a hard time getting the information removed. I am contacting you in advance to try to head them off.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2016-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-08
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: There are XXXX accounts that continue to show up on my credit report with a new collection agency every time I dispute the accounts but I 've yet to get any notification from any of the collection agencies reporting the information before they report it. I just recently reviewed my report to notice that Enhanced Recovery is now reporting the account and I 've never even heard of them. However, in the mail today I received a settlement offer from a different collection agency on one of the accounts that says nothing about enhanced recovery. When I dispute the items, I request validation on the accounts because I am completely unaware of where they accounts have come from. They get deleted and nothing is ever sent back to me so I am under the assumption they 've finally gone away. Then a month goes by and suddenly it shows up again but noone has ever informed me of the information before they just slap it on my credit report again. It 's my understanding that I am supposed to receive a letter giving me 30 days to dispute the validity of the debt prior to reporting it as well as send me this letter within 5 days of receiving the debt and none of this has ever taken place. If this is my account ( which it is not ) then why is it that when I request records, I ca n't get anyone to provide any documentation so they remove it then they just rereport it with a new collection agency without any warning? Also, one of the accounts ( XXXX ) lists an original balance of {$230.00} and on the letter I just received from the other collection agency it lists a balance of {$230.00} but then on my credit report it lists a balance for {$790.00}. None of this is legal and it 's a shame companies like this are even allowed to be in business. This is peoples lives they are messing with and they do n't care.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70706
Submitted Via: Web
Date Sent: 2016-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-07
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Collection agency inquires on my credit report without permissible purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2016-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-03
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I had an recent open collection with XXXX. I contacted Enhanced Recovery Company, LLC and told them that I want to pay collection amount in full which was {$160.00}. I provided them my debit card information an authorized to charge me the full amount owed. They provided me reference number as a transaction confirmation and told me that will update all credit report that collection paid. Instead they reported new collection account for XXXX XXXX that is more than 8 years old for amount {$380.00}. I never received single phone call nor letter from collector regarding this both collection accounts. I know under The Fair Credit Reporting Act debt collectors must notify in writing about attempt for collecting debt. They are not allowed to report a debt to credit agencies if it is more 4 years.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 912XX
Submitted Via: Web
Date Sent: 2016-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-03
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I cancel the service of broadband with XXXX on XX/XX/XXXX and transfer my provider to XXXX. After numerous call in regard canceling of the service and returning device XXXX install for my connection to the broadband. ( I pay rent for more than 5 year every month for this device the cost of it on the invoice. is {$70.00}. ) I personally drop of the device at XXXX Now on XX/XX/XXXX I received a debt. collect invoice. from ERC for {$190.00} I call this company and I war refer to XXXX to dispute the the charges. XXXX will not talk to me if I do not give them my SS number,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94941
Submitted Via: Web
Date Sent: 2016-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No