Date Received: 2015-11-20
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They have been harassing us for a month. They only let it ring 2 times then hang up.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38401
Submitted Via: Web
Date Sent: 2015-11-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-19
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: My husband and I are being called repeatedly by XXXX different debt collection agencies. XXXX collector says they are trying to contact a person with a different last name, and if we are not that person, just hang up. We have hung up repeatedly, but they just keep calling and calling, often more than once a day. I tried calling them to complain, but their XXXX number was busy. The second agency says it is ERC, a debt collection agency in XXXX FL, but we suspect it is someone else pretending to be them, as they are using a different number. They give us a case number and tell us to call back, but we have not done so, because we have an excellent credit score, and KNOW we do not have any debts that would be in collection. Besides, we have friends and neighbors who have been harassed by people like them for months, claiming that debts are owed when they are NOT owed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30606
Submitted Via: Web
Date Sent: 2015-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-19
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I have had the same cell phone number that I do not give out for more than 10 years. I have no idea how they got this number. They are asking for XXXX XXXX - I have no clue who she is. When I asked them to remove my name and number and told them if they do not I will report them the attendant was very rude and told me " that was not necessary. '' Seriously? I do n't owe you money, you should n't be calling me at all and it is very necessary.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2015-11-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-18
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: This debt does not belong to me and I am unsure why it is on my credit report. This debt is from a company that I have never used.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: ENHANCED RECOVERY COMPANXXXX XXXX XXXX, XXXX ( XXXX ) XXXX age of account I do not owe shows XXXX XXXX 2014. The company lies on my credit report and when I contacted them they said they will move this to XXXX XXXX XXXX Please see attached copy of the report.
Company Response: Company believes complaint is the result of an isolated error
State: CA
Zip: 91001
Submitted Via: Web
Date Sent: 2015-11-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-16
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Reference XXXX Investigation Account # XXXX : This alleged debt to XXXX dating back to 2009 has been passed around among collection agencies. Their technique has been to send XXXX letter and when I do n't respond, they report it to the credit bureau. This latest is about the fourth or fifth attempt by different companies. Each time, their report has resulted in a reduction of my XXXX score, which is what alerted me to a problem. After resolution of this last complaint, my XXXX score went from XXXX to XXXX. This is a racket that needs to be stopped.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32168
Submitted Via: Web
Date Sent: 2015-11-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-16
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Was charged for an internet modem. The modem was deposited into a return bin at XXXX. I called two days later to confirm they had recieved it and they said that they did and that everything was satisfactory.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28540
Submitted Via: Web
Date Sent: 2015-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-13
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX/ ERC : I was lied to as to the total cost of their services from day one. As their bills continued at a rate above what i had agreed to. I tried to discontinue service. I believe it took between 3 and 4 months for service to be turned off. finally they turned it off after i called and threatened law suit. I would like to see any and all agreements that i signed where i agreed to pay them this or or any amount of money. XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-11-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-13
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: First and foremost, I am a victim of identity of theft. There have been a multitude of accounts with various companies opened in my name and none of them were opened by me. When I received a letter from a company called XXXX XXXX XXXX XXXX in XXXX of this year stating that I had an outstanding balance of {$1600.00} owed for a XXXX account, I immediately contacted them to inform them that I was a victim of identity theft and that this account was not opened by myself and I was completely unaware of this bill. I have had XXXX since XX/XX/XXXX personally but I 've always paid my bill and never gone to collections. When I spoke to them I was informed there was an account opened XX/XX/XXXX and there were XXXX IPhones purchased. There was also a person with the name of XXXX XXXX that was an authorized person on this bill. If I were going to purchase a phone for someone I would 've added them to my bill rather than open a new account. It makes no since. When I informed them of the identity theft, I was told that they were going to do an investigation and get back with me on the outcome. Instead, XXXX is reporting on my credit report as of XX/XX/XXXX with an outstanding balance as well as they have sold the debt to a 3rd party as of XX/XX/XXXX according to the correspondence I received in the mail this week. I am not responsible for this debt. I have fraud alerts on my credit and I 've filed police reports and signed and notarized affidavits. This is rediculous that XXXX has reported the account without warning as I am in the process of purchasing a house and not only have they reported it, but they 've also sold it now to a collection agency.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2015-11-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-12
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I have made several requests to Enhanced Recovery Company to validate the account in there office. I never received any notification that Enhanced Recovery Company had the authority to enforce a claim upon me. No proof of Claim whatsoever. Enhanced Recovery Company claim does n't meet the standard of the state of OHIO XXXX XXXX This would include affidavits since said records or documents upon which their office has sent are not original and not admitted into evidence or attached to the complaint or affidavit. I am sorry what affidavit? I was unable to find anything that shows Enhanced recovery or any third party law firms and collection agencies are in accordance with the XXXX. XXXX OHIO XXXX XXXX XXXX Taking assignment of debt : XXXX XXXX XXXX XXXX No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency. ( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection. ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 43228
Submitted Via: Web
Date Sent: 2015-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No