Date Received: 2015-08-19
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I recently began to check my credit reports when I discovered a collections account from Enhanced Recovery Company alleging that I owe {$320.00} for what appears to be utility or beverage services. I disputed the debt and Enhanced Recovery Company verified through the credit bureau. On XXXX XXXX, 2015 I submitted a validation request in accordance to all applicable federal and state laws. Enhanced Recovery Company has not responded to my validation request and has not removed this trade line from my credit as requested. They are also reporting as XXXX different companies as they are Enhanced Recovery Company on my XXXX reports and Enhanced Recovery Corporation on my XXXX reports.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85306
Submitted Via: Web
Date Sent: 2015-08-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I closed my account with XXXX years ago and I never heard anything about it, now out of no where I find out that some company " Enhanced Recovery Corporation '' is reporting a debt and affecting my credit. It is not correct and I will not pay for services I did not receive.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2015-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-16
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX.collection account placed on my credit in XXXX of 2015. I have never had a XXXX account and have found several similar instances of this happening with XXXX to people all over the U.S. my cell provider has been XXXX or XXXX for the last ten years. I am considering having my attorney file suit against both XXXX/XXXX and the collection company if they do not get this corrected EXTREMELY QUICKLY.
Company Response: Company can't verify or dispute the facts in the complaint
State: GA
Zip: 30115
Submitted Via: Web
Date Sent: 2015-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-14
Issue: Communication tactics
Subissue: Called outside of 8am-9pm
Consumer Complaint: Enhaned Recovery called my house repeatedly outside the hours of XXXX. Additionally, although credit collection agencies have the ability to remove collections accounts from credit reports, they refused to removed our very small, PAID debt of {$120.00} ( accidentally overlooked as we moved ) and claimed that the FTC requires them to accurately report the account ( which they did, it is marked as paid ) however they outright refuse to remove this tiny colelctions debt from our credit report and they refuse to let me speak to anyone other than their " Operations Manager. ''
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VT
Zip: 051XX
Submitted Via: Web
Date Sent: 2015-08-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-13
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: ENHANCED RECOVERY COMPANYXXXX XXXX, FL XXXXTel : ( XXXX ) XXXXFax : ( XXXX ) XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX XXXX or any company associate with this account # ENHANCED RECOVERY COMPANY AAC # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : XXXX XXXX XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. Sincerely, SOC SEC # XXXX DOB XX/XX/XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33470
Submitted Via: Web
Date Sent: 2015-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-12
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Consumer Complaint: i married and moved and transferred my XXXX service to my new home. I assumed that any bill remaining would transfer to my new account. after a few months i received notification from XXXX collection agencies about my XXXX debt from XXXX. XXXX XXXX and Enhanced Recovery were both attempting to collect the past due amount. I made serveral calls to XXXX, XXXX and Enhanced and almost immediately both XXXX and Enhanced reported the same debt to the credit bureaus. I know that XXXX collection agencies can not collect the same debt. I now made hundreds of phone calls to all parties to say i was always willing to pay this previous past due amount that i was not aware that i had until i received notice from XXXX collection agencies. after numerous phone calls about his misunderstanding, XXXX agreed to remove my trade line and that I should now deal with XXXX. Enchanced Recovery refuses to help me calls me serveral times a day and i try to explain what had happened. Enhanced was also aware that XXXX collection agencies were reporting the same debt. they have ruined my credit for a debt i did not know i had and by the time i straightened out having XXXX collection agencies reporting the same debt - they refuse to remove the trade line from my credit reports
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 605XX
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: 2015-08-12
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: Hello, A while back I had to have my credit pulled so my wife and I could get pre-approved for a home. XXXX of my credit scores were great, while XXXX was roughly XXXX. I found out that I had a delinquent balance of {$90.00} from XXXX XXXX regarding a bill I did not pay because I no longer lived at the apartment I moved out of. I canceled my cable subscription and returned my equipment and was not aware of any termination fee. That being said, I paid the collection bill right when I found out. It was for {$90.00}. That was back in XXXX 2015. Now I had my credit pulled again to refinance my car. The collection was still on my credit report as unpaid. I called XXXX and they told me to contact Enhanced Recovery Company. XXXX told me that there were XXXX open delinquent non-payments of {$90.00}. They had finally told me that I paid it off in XXXX of 2015 after telling me several times that there was no payment on that account. The reason for XXXX open cases is because they gave the collection back to XXXX XXXX and then XXXX XXXX asked for it again creating XXXX delinquencies. I was not aware of any of this during the years this has been attacking my credit. I now can not get approved for the car loan I want. They told me they can only update the file and they ca n't tel XXXX or whoever to remove it despite it being their mistake. I spoke to a XXXX XXXX at this company. I am looking for someone to get this removed from my credit report so it wo n't bring it down for 7 years. It started as a bill I had no idea about because I no longer lived at that residence and was not told about it. Then it turned into a collection that a company did not even list it as paid until yesterday. This is really hurting my credit and I am hoping the CFPB can help. I really appreciate what you do. This coming from a person that lives in the state where XXXX XXXX is my Senator knowing she played such a pivotal role at the creation being nominated. Please let me know what I can do for this collection agency to have it removed. Thank you! Sincerely, XXXX XXXXXXXXXXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 01604
Submitted Via: Web
Date Sent: 2015-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-11
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: When I moved from a house to an apartment, I overlooked a bill from the house, and XXXX called me. I moved into my apartment in XXXX, yet paid the bill in XXXX of 2013, in two payments of {$180.00} to XXXX. All of a sudden, within the last year, I am getting hit on my credit for whatever this {$320.00} amount is from Enhanced Recovery XXXX, who say they are collecting from XXXX. I am still with XXXX, and have been for over 15 years. I have called XXXX and they said I do n't what this debt is from ERC, and told me I do n't owe them anything, nor have they reported anything to ERC. So, someone sold Enhanced Recovery XXXX a lie, or they are bogously reporting this to get $ $ $ from me. I have told them over and over through many, letters that I DO NOT OWE THIS AMOUNT!!! They have NOT provided the proper information proving that I owe this debt, because I guess they do n't think the rules apply to them, but they keep sending me canned letters, and have once again, brought my credit score down again, reporting it as a new debt. I would pay it, if I owed it, but I do not. Seriously rediculous and frustrating, and these people are crooked.
Company Response: Company disputes the facts presented in the complaint
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2015-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-11
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: A collection under my name is reflecting my credit report bureua, impacting my report negatively. I contacted the company Enhanced recovery corporation at tel. XXXX, i spoke to a representative name XXXX and supervisor XXXX XXXX, asking information on this case. They explain that it was a account for XXXX on a adress that doesnt belong to me, they ask me to contact direct tv since they dont even have my social securitu number and the adress that reflects on the account its not mine. I spoke to XXXX, and they told me that they would contact Enhanced recovery corp, to alllow 10 business day for this collection to be remove from my credit since it didnt belong to me. The collection is still on my credit report and when i now call Enhanced recovery corp, they tell me, that they cant talk to me about this account since it doesnt belong to me. This collection is really affecting my chances to buy a property, and i will appreciate your help.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33178
Submitted Via: Web
Date Sent: 2015-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-11
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: Someone stole my identity and opened a XXXX account which they never paid. They then resulted to opening an optimum account when their XXXX was disconnected. I have a police report which states the identity theft. I submitted it to optimum and they took the account off my record. However, I have submitted the police report to XXXX and they are still charging me for it. Now I have a collections agency named Enhanced recovery corporation on my credit file when this account was a result of identity theft. I have tried contacting the agency and no XXXX answers. I have also tried contacting XXXX and I just get passed around the phone until I ultimately get greeted by a voicemail.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10458
Submitted Via: Web
Date Sent: 2015-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No