Date Received: 2015-08-25
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: This file has been relisted on my credit report with a date of 2015. It 's a old file which should n't have been there in the first place. I signed up for XXXX a few years ago for {$19.00} a month. They started charging me almost {$50.00} a month without any notice. By the time I realized, the bill was high, and I had to cancel service. It has been through a few collection companies, but it is not from this year. The way it 's listed pulled down my score, and I 've been paying my current bills on time to raise my score.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2015-09-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-24
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: On XXXX XXXX, 2015 I mailed a letter requesting Enhanced Recovery forward proof that this debt belongs to me. On today XXXX XXXX, 2015 Enhanced Recovery still has not responded to my request. According to my rights under the Fair Credit Reporting Act Enhanced recovery had 30 days to respond to my request, however they did not.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48152
Submitted Via: Web
Date Sent: 2015-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-24
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: ERC XXXX was put on my credit report and I called. They wo n't remove it and are trying to make me send a bunch of information even after they admit its the wrong name and social security number. I submitted complaint 1 with CFPB and they removed it immediately and now it is back a month later. Called again and same result.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85308
Submitted Via: Web
Date Sent: 2015-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-23
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I was having automatic payments taken out of my bank account from XXXX. I lost my source of income, and called to have automatic payments stopped. The payment was still taken out and overdrafted my account. I had my lawyer involved, who had it taken care of from the bank 's side, but i still have XXXX in my collections. I stopped these payments and do not feel like i owe them anything. This was also several years ago, and happened just before my family of XXXX had to be rushed out of the house we lost to back taxes, which them caused my dad to have his XXXX. My family was enduring major hardship at this time, as well as me being told that i owe money i should not have to owe. I did my part, and i cancelled the payments.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2015-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-21
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I pulled my credit report and discovered a bill from XXXX which was sent to collection, Enhance Recovery Company. The bill was for $ XXXX contacted ERC and we agreed for a settlement of {$190.00} but I was charged for {$210.00}. However, they promised to send a settlement in full letter upon payment but what I recieved was not a settlement in full payment because the letter purports that " Please note, that although your account was settled, it will reflect a remaining balance with XXXX. " Clearly, this is not a Settlement in full letter.
Company Response: Company believes the complaint is the result of a misunderstanding
State: MD
Zip: 21075
Submitted Via: Web
Date Sent: 2015-08-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-21
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Enhanced Recovery Corporation, XXXX, FL XXXX. XXXX XXXX XXXX debt for early cancellation fee. XXXX promised cell phone coverage at my home address. I had no cell phone signal at my home address and could not make or receive calls. After 2 years of complaining to tech support no resolution was found. I switched to XXXX after seeing a friends phone was fully operational at my home. This was explained to XXXX and they still refused to let me out of my contract. I decided to cancel my XXXX cell phone service for breach of contract to provide cell phone service to a location within the service area as shown to me on the XXXX map at time of purchase. The above was mailed to the initial debt collection agency who did not respond. I still receive a daily phone call from Enhanced Recovery via a recorded message in an attempt to collect XXXX early cancellation fee invoiced in XXXX 2010. All other monthly charges were paid in full except the cancellation fee.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 45417
Submitted Via: Web
Date Sent: 2015-08-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-20
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: they called my husband and said I owed them for a cell phone bill. We paid it six years ago ( 6 ), a XXXX internet card. We also sent them a dispute letter via XXXX signed receipt. Thy reported it to the credit bureaus XXXX 2015. I called them and told them I disputed this and no communication has been received by me. I have requested a deletion of this account # XXXX, Enhanced recovery corporation XXXX FL XXXX ( XXXX ) XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85323
Submitted Via: Web
Date Sent: 2015-08-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-20
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: XXXX collection was removed after I sent Their collection dept ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ACCOUNT NO. ; XXXX {$1900.00} police report & District Court of XXXX for XXXX XXXX XXXX case # : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX SENT NOTARIZED LETTER SIGNED BY XXXX XXXX XXXX ( XXXX ) XXXX RESIDED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. COMMITTED FRAUD USED MY INFORMATION AND OBTAINED XXXX PHONES FROM XXXX WHICH CREATED THIS COLLECTION ON MY CREDIT REPORTS. IT WAS REMOVED AND NOW IS BACK ON. I believe XXXX HAS IT OUT FOR ME. WHY ELSE WOULD THEY KEEP TRYING TO RUIN MY CREDIT. WHEN I FIRST CONTACTED THEM AND ASKED FOR THEIR HELP. THEIR COLLECTION AGENT TOLD ME " I SUGGEST YOU KEEP THESE ACCOUNTS OPEN TO AVOID EARLY TERMINATION FEES ''. I TOLD THEM ARE YOU SERIOUS YOU WANT ME TO PAY ON THESES FRAUDULENT ACCOUNTS UNTIL THEIR CONTRACT EXPIRES. THEIR ANSWER WAS " YES '. THIS IS VERY UPSETTING SINCE I AM IN A HOME BUYERS PROGRAM " XXXX ''. THIS RE POSTING OF THE FRAUDULENT COLLECTION IS PREVENTING ME FROM GETTING A HOUSE. FOR MY GRANDDAUGHTERS AND I, A DREAM I HAVE HAD FOR A LONG TIME for ME AND MY GRANDDAUGHTERS. I NOW HAVE CUSTODY OF AND WE ARE LIVING IN A XXXX BEDROOM APARTMENT BECAUSE OF THIS AS WELL. IF YOU CAN HELP ME GET THIS PERMANENTLY REMOVED FROM MY CREDIT REPORTS ONCE AGAIN I WILL BE ABLE TO PARTICIPATE IN THE " XXXX '' AND FINALLY GET MY GIRLS A DECENT HOME. ALSO I HAD STUDENT LOANS THAT WERE EXPUNGED AND SHOULD SHOW THEY WERE SATISFIED AND PAID ON TIME.. PLEASE HELP ME AND MY GIRLS XXXX WILL BLESS YOU I AM SUREXXXX XXXX XXXXXXXXXXXX ON XXXX/XXXX/2015 I CALLED XXXX TO APPEAL TO THEM FOR HELP AND TO ASK WHY THEY POSTED THE COLLECTION BACK ON MY REPORTS THEIR ANSWER WAS. " THE DEBT IS STILL OUTSTANDING AND THERE IS NOTHING WE CAN DO FOR YOU ". THEY OBVIOUSLY DO N'T CARE ABOUT ANYONE. ALL THEY WANT IS MONEY. IN MY OPINION THEY KNOW I AM TRYING TO GET A HOUSE AND THEY THINK I WILL PAY THE COLLECTION JUST TO GET RID OF IT. IT WILL BE A COLD DAY IN XXXX BEFORE I DO THAT.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-08-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-19
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: found a debt for account XXXX on my credit report. I have never had an account with XXXX XXXX XXXX who they claim to represent. It could potentially be a family member with the same name, but it is not mine. I use XXXX for cell service, not XXXX XXXX XXXX.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
State: TX
Zip: 75039
Submitted Via: Web
Date Sent: 2015-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-19
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: On XXXX XXXX, 2015 I made arrangements to repay my wife 's debt to Enhanced Recovery Company , LLC, XXXX. XXXX XXXX, XXXX, FL. The person I spoke to understood that the original debt to XXXX had fallen behind because my wife had become ill and the representative was sympathetic. I arranged to pay with a debit card with agreed XXXX payments over six months wherein I would call and make the payment. The first payment was taken from my bank account on Monday XXXX XXXX, 2015. Despite this, ERC called me and said that if I did not pre arrange the dates and allow them to automatically withdraw the amounts, they would continue to call me. I responded that this was not the arrangement which I had made with them and the supervisor said that she had no way of knowing what the representative had made with me. I spoke to her as the common liar that I found her to be. I intend to repay the debt. I sent them a written request on XXXX XXXX, 2015 to contact me only by mail.
Company Response: Company believes complaint is the result of an isolated error
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2015-08-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No