Date Received: 2015-10-28
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Enhanced Recovery Company showed up on my credit bearu I disputed it with the credit bearu. As it was for an old XXXX account that was closed XX/XX/XXXX. As I could no longer afford it and was told upon closing the deposits that would be applied to the account and closed. I contacted ERC and requested detail on why they where collecting the said it was for XXXX old XXXX accounts ( XXXX lines XXXX account ) this was sometime XX/XX/XXXX. I told them I have never received a letter at all from them to dispute the collection and requested more details Some time goes by and XXXX/XXXX/2015 I contacted the collection agency again and they transferred me to the dispute department a woman by the name of XXXX said that she had already placed a request in with XXXX for a company of by account along with where the depsit was placed. She then told me the account also had XXXX of early termination fees. I told her my account with XXXX was past the early termination fee period and requested that she provide proof of my signed agreement and any recording they had from XXXX authorizing such a hefty termination fee as i had stated the account was well past the termination charges. When I called and spoke to some else I was told they would not give me any time frame as to how long they had to collection the info before they would have to remove the account without the validation. I called XXXX/XXXX/2015 and spoke with a XXXX who said that they just received the request on XXXX/XXXX/2015 and this was the first time they requested any info as it originally needed to be in writing when I told him that it I was told it was already requested he said that they had not. When I told him I want proof of all documentations as the letter I sent requested his response was we will only send you what we are legally required and that is just the statement not the originial signed agreements. A previous complaint was files under Case Number : XXXX a agency responded that they would be supply the information of the signed contract and any and all recording in regards to the early termination fee to date nothing has been provided to me from the collection agency nor XXXX. ERC removed the collection and all negative information from my report and it remained off my bureau for a couple months and now they have resubmitted the collection on all my CRA bureau as a new account as of XXXX 2015. I am demanding that they remove all negative reports from all any of my credit bureaus as they they have failed to provide proof of the agreement.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2015-10-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-26
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: I had a collection from XXXX, I disputed it and XXXX found that I was correct, this was identity theft. since then I 've had XXXX companies try to collect the same debt, every 3-4 months I have to redispute with a diff company to have removed. this is dropping my score and interring with my life.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80110
Submitted Via: Web
Date Sent: 2015-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-26
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Calling my residence on a debt that I do not owe. Harrassing
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94014
Submitted Via: Web
Date Sent: 2015-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-24
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: XX/XX/XXXX I was contacted by XXXX in reference to a debt they claimed I owed. I wrote them a letter ( I do not have a copy ) indicating that I did not owe this debt and this debt was not mine. I received a letter from XXXX indicating that my claim was denied. I received no other communication from XXXX and then learned that the XXXX debt had been reported on my credit. I was unaware of what I could do so I did nothing to continue to dispute the debt. I waited and after 6 or 7 years, the debt dropped off of my credit report. I assumed the nightmare was over and I could start to rebuild my credit which I did. Now XX/XX/XXXX, a week or so ago a received a phone call from ERC ( a collection agency ). They indicated to me that I owed a debt. I told them that they had the wrong person and they proceeded to tell me that this was a debt reported by XXXX. I told ERC that the debt did not belong to me. The representative told me that since I was disputing the debt they would send the dispute to XXXX and they would send a dispute form in the mail. At that time and in order for me to do my due diligence, I asked for the phone number associated with the account and address on the account. The phone number was not provided but the address was. It was not an address where I had ever resided, nor a city I had ever resided in. A week or so after initial contact by ERC I received a fraud dispute letter from XXXX and a request for documents that would validate my identity during the time the account was opened. I am in the process of completing their request and I will also separately mail a debt validation letter and a debt dispute letter. All letters will be sent to XXXX, ERC and FTC 's Bureau of Consumer Protection. I have disputed this debt and have illustrated that I did not reside at the location in which the bill was sent. According to a representative from ERC, they claim that all XXXX has to do in order to verify the debt is not mine is to check to see how the payments were made between the time the account was opened XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. These dates were provided to me by ERC. The address where the billing statements were sent for 2 years and paid for 2 years was an address in XXXX, Georgia ( information also reported by ERC ). At the time this account had been opened and utilized, I had purchased my primary residence which was located in XXXX, Georgia and there I resided. At what point will XXXX stop harassing me for a debt that I do not owe? Will they be able to sell this debt to a collection agency every 6-8 years and start this debt collection process over and over again and again? When does the statute of limitation kick in? Does a creditor really have the autonomy to continue to harass anyone just because they claim a debt is owed. I have disputed the debt indicating that I did not live at the address where the billing statement was being sent, I had no record of a XXXX account with the account number that was provided by XXXX ( via their written letter dated XX/XX/XXXX ), there was no proof that the debt was mine nor was there any information provided to me which illustrated that I authorized an account to be opened in my name. It appears XXXX has all of the information in their possession that would prove that the account is not mine. I contacted XXXX and spoke with a representative regarding this matter specifically relating to the debt being placed on my credit report again. I was told that the original creditor can continue to sell the debt to collection agencies for the remainder of my life and with each collection agency, they can report the debt to the credit reporting agencies. When will this end? Is there a statute of limitations? I am in the process of retaining an attorney.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2015-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-10-22
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I disputed an attempt to collect by Enhanced Recovery Company , LLC on XXXX/XXXX/2015. Although being told I would be cleared of this debt, it shows up on my credit report. This debt is not mine as I told their representitive. This is the SECOND time within one year I have had this issue with Enhanced Recovery. Am I to assume that everyone with the name XXXX XXXX now has this on their credit report?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92336
Submitted Via: Web
Date Sent: 2015-10-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-21
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Had a negative remark on credit reports XX/XX/XXXX. Determined debt was not mine. Originator was XXXX. they sold this debt to XXXX then it went to XXXX. XX/XX/XXXX collection agency XXXX was notified via XXXX XXXX and XXXX XXXX XXXX that XXXX was in error and I did n't have the account in question. XX/XX/XXXX the same debt is now being pursued by ERC-Enhance Recovery Company. I submitted the info to them in XX/XX/XXXX as per documentation from the XX/XX/XXXX events. Now have negative remarks on credit report from ERC. They never replied after XX/XX/XXXX info faxed to them. Just received another letter stating owe money. They have not provided any information that supports that I have any debt owed. They have falsely reported to the credit agencies and are attempting to collect debt which is not mine.
Company Response: Company believes the complaint is the result of a misunderstanding
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2015-10-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I disputed Enhanced Recovery Collection agency XXXX XXXX XXXX few times and it was removed because I declared it as not authorized transaction. Today I noticed that a company ERC reported : '' XXXX '' reapeard.
Company Response: Company believes complaint is the result of an isolated error
State: ID
Zip: 838XX
Submitted Via: Web
Date Sent: 2015-10-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-10-17
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Debt collector ERC claiming to collect a debt that we DO NOT owe. Will not provide any other information other than to say the debt is from XXXX and that the amount owed is {$66.00}. Will not provide any proof. Continues to call ... We are still customers of XXXX and have n't received any information from them. XXXX is trying get us back as a customer. Why would they want us back if we still owe them money? The Email address they used to contact us is over 10 years old. I think they are fake and we paid a XXXX $ debt to a collection agency 2 years ago, we may have been scammed then.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19038
Submitted Via: Web
Date Sent: 2015-10-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-13
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: ENHANCED RECOVERY COMPANY has re-reported a debt on my CB as a new collection item. This item has been removed several times - XXXX Bill. It is now being reported with XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2015-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-13
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: My wife, XXXX XXXX XXXX, received a phone call on XXXX XXXX, 2015 from E.R.C using a phone number of XXXX. They started asking her all kinds of questions so she called me and I called the company back at XXXX. They said that their conversations were being recorded and that they were an XXXX company. I tried to find out what this was all about but they would not talk to me. I told my wife to call them back and give them permission to talk to me. After several phone calls back and forth it was determined they had the wrong person. I called and told them to delete my wife 's phone number and XXXX from their records or I would file a complaint. Yesterday, my wife had an incoming call from XXXX but she did not answer the call. This morning, XXXX/XXXX/2015, I received a call from XXXX wanting to speak to XXXX XXXX. I told them they had the wrong person and I gave them the last XXXX of my wife 's SSN and she said it did not match their records. The female then wanted me to give them my wife 's DOB which I refused to do. I then called them back and asked to speak to a supervisor. The supervisor, XXXX XXXX said the company was Enhanced Resource XXXX of XXXX XXXX XXXX, XXXX, Florida. I told him to stop calling us and to remove both numbers from his list and that I was going to file a complaint. After I got off the phone with him, my wife told me they attempted to call her again yesterday. I want to file a complaint so they will stop harassing us.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92040
Submitted Via: Web
Date Sent: 2015-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes