Date Received: 2015-08-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Collection notice from Enhanced Recovery Company , LLC, ( Mailing address XXXX, FL XXXX ) asking for unpaid balance {$150.00} to XXXX. I have automatic payment with XXXX, and do n't have any outstanding balance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33612
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: 2015-08-10
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: I hve an acct that does not belong to me that has reported on my credit file from your company enhanced recovery XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27613
Submitted Via: Web
Date Sent: 2015-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-10
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Hi my name XXXX XXXX XXXX this company reported an acct. from XXXX that I owe {$330.00} which I do n't owe at all. I did have an acct. in XXXX and they have ask me to return the equipment 's which I did and paid off all balance when I close my accnt with them. Then I saw this on my credit report the only accnt. showing on collections which I tried to take care of my credit I never had any other accnt on collections on top of that this company never heard and they never tried to contact me I never receive any mail or calls regarding this acct. I have contacted XXXX regarding this matter and they have told me that my acct. is paid off and no outstanding balance they said that there must be some misunderstanding on my acct. which I do n't appreciate they have contacted the above agency and told them to cleared this but im still seeing this on my credit report. If you look at my credit history I do n't even have much of credit cards due to being afraid of stuff like this could happen. Im trying to build up my credit and pay my accnts on time. I do n't deserved to be harassed and get my credit ruined because of this.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94560
Submitted Via: Web
Date Sent: 2015-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-10
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: We were charged over {$100.00} by XXXX XXXX XXXX for some unknown reason and when we called the customer care to find out what it was about, they did not give us any proper response and they said it was some technical error from their side. After 4 months we get a call from Enhanced Recovery stating that they are coming to collect the bill amount and although we did not know what it was for, we paid duly. Its been over a year and now we notice that they had filed a delinquency report against us. Our credit score has been hit by XXXX points and there is no one coming forward to help us with it. We did not notice this statement until recently when we went to the bank to get a loan to purchase a house. We have proof that we have paid the company, can they still hold this against us?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94404
Submitted Via: Web
Date Sent: 2015-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-10
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I had a cell phone account with XXXX and after being improperly billed and receiving a monthly bill of around {$800.00} in inaccurate charges I contacted them. They cleared the account balance and I then proceeded to move to another cell phone provider. I found a charge of {$430.00} on my credit report and I can not get anyone to resolve this issue. They told me that because the account is in collections there is nothing that they can do. I had a zero balance when I closed the account from XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 53154
Submitted Via: Web
Date Sent: 2015-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-08
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Re : Request for Investigation " Cramming '' & " Slamming '' - Unauthorized Charges Creditor : Enhanced Recovery/XXXX XXXX, XXXX - ( See Enclosed ) To Whom It May Concern : - Enhanced Recovery Company, LLCI am sending this letter to you in response to ( See attached ) notice I received from Enhanced Recovery Company , LLC on XXXX XXXX ( date of letter ). Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. This is a Re-Aged Account. Collection Agencies and Credit bureaus, SHOULD NOT BE ALLOWED TO reinsert a removed items from consumer 's credit reports without notifying a consumer. THIS UNETHICAL PRACTICE SHOULD BE INVESTIGATED. It is obvious, " Creditors, collection agencies, or credit bureaus, if they make attempts to report " Re-Age '' to a consumer 's report or account by updating the date of last activity on a consumer 's credit report in the hopes of keeping negative information on a consumers account longer. '' This is unacceptable deceptive practice. I AM IN DISPUTE OF THIS INACCURATE ACCOUNT. The practice of including unauthorized, misleading, or deceptive charges on this XXXX ( Account Number XXXX ) Billing Summary is called " cramming. '' Your investigation will determine '' Third-party charges may appear on XXXX XXXX telephone bill as a " service fee, '' " service charge, '' " monthly fee, '' " other fees, '' " voice mail, '' " mail server, '' or " membership. '' Companies that cram charges and fees onto telephone and credit card bills can make substantial profits from this practice because many consumers either do not closely review their bills or do not know who to contact to dispute the charges. Numerous unauthorized charges appeared on this billing summary ( XXXX ) Without any explanation ; From a company with a fake business nameFOR YOUR REVIEW A BILLING SUMMARY OF THIRD PARTY CHARGES AND CREDITSThis Refund Program was for current and former XXXX customers who may have incurred unauthorized charges for third-party Premium SMS ( Text Message ) services. The deadline to submit a claim to the XXXX XXXX Refund Program was XXXX XXXX, 2015. The program has now closed. If you submitted a claim online before the XXXX XXXX, 2015 deadline you can review the status of your claim with your registration number and password. If you submitted a claim form before the XXXX XXXX, 2015 deadline by mail or email you can contact the Refund Administrator. Therefore, please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe for unauthorized third-party billing disputed charges on this Re-aged disputed account. Provide a verification or copy of any judgment if applicable ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; andProvide me with your license numbers and Registered Agent. If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Report
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-07
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I had a phone contract with XXXX. When I signed up for services in store XX/XX/XXXX I was told by the customer service representative in the store that I had 30 days in which to cancel my contract if I was unhappy with service. By the end of the first week it was clear that the very costly services ( around {$350.00} a month for XXXX phones ) were not providing good reception, the internet did not even WORK on the phones ( these were brand new models!!! ) and even when calling between the XXXX XXXX lines or sending texts there were often delays of XXXX minutes or more. I called on day XXXX after giving their services a chance, feeling I was well within the time limit of 30 days. I was told, I am sorry you only have ten days to cancel. I went into the store to try to talk to someone, they apologized that I was given incorrect information by the sales representative but told me that indeed I had ten days to cancel NO EXCEPTIONS. So now I was locked into a horrible cell phone service that barely worked and I did not want. We did not even use one of the phones because the internet service on it was so poor ( even when on a Wifi connection! ) that it was rendered worthless. We had to buy another phone with a different ( and much cheaper! ) provider that worked great. I continued to pay the outrageous $ 350+ monthly charges ( keep in mind this is for only XXXX phones with minimum packages ) for six months. In early XXXX of XXXX my house was robbed, my car was stolen, and XXXX of the phones was stolen. I called and reported the phone stolen and requested to cancel service on that phone. A few days later the other phone was broken beyond repair and I did not have the funds ( after being robbed of nearly all my belongings ) to purchase a new phone through XXXX. I requested they terminate my account. My father offered to call and pay via credit card because I could not afford termination fees. He did this in early XXXX XXXX. A year and a half later and I am getting letters and calls from a collection agency ( including XXXX calls after XXXX on a weeknight which I have reported them for ) asking for {$930.00} that they say I owe to XXXX. XXXX says my father never completed payment, even though when I called them to confirm the accounts were closed and everything was settled I was told, " Yes everything has been taken care of and you have nothing to worry about and will not be getting a bill from XXXX in the future. '' They are requesting a whopping {$580.00} for termination fees, despite the fact that I was duped into a contract and had made their outrageous payments each month for non-working cell phones and had been robbed and was therefore not at fault for the need to cancel contract. I am currently expecting my first child any day now, and I am single and a student with no income. I do not have the time to deal with XXXX and the collection agency harassment as I try to finish my degree and move forward in my life. These charges are beyond excessive, and XXXX has already lost a court case in XXXX County ( where I was residing ) in XX/XX/XXXX for excessive termination fees, and recently lost a nationwide case for bill cramming that occurred during the time I had service with them. Furthermore, my father paid these charges in XXXX XXXX and I was told by a representative that my account was closed, no more billing, no problems. Now I am being harassed by XXXX and their collection agency with calls being placed at XXXX on XXXX XXXX, XXXX and XXXX on XXXX XXXX, XXXX in an attempt to collect this so-called debt. XXXX customer service lies and says they want to speak with me to resolve and address my issues then claim they never got payment from my father and yell that I owe them money and they will send me the bill. A total waste of my time and harassment on all levels!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 02143
Submitted Via: Web
Date Sent: 2015-08-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-07
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I never had a XXXX phone
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92284
Submitted Via: Web
Date Sent: 2015-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-06
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: this account is a fraudulent account and was opened with my stolen identity ... IT IS REPORTING ON MY CREDIT AND NEEDS TO BE CLOSED WITH THIS COMPANY AND DELETED WITH THE BUREAUS ASAP
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2015-08-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-06
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Enhanced Recovery Company has contacted me over XXXX debts that are not mine. On both occasions, I called and informed them of this issue and they said they " would make a note and take care of it. '' XXXX of the debts has now been reported as delinquent and is on credit report, The process for removing this debt from my record is exhausting and slow and places the burden of proof on the individual and not on the person assuming the debt. ERC has acknowledged that this debt is only linked to me by name and not through a social security number. Despite my contacting them and rejecting ownership of this debt and they having no proof that the debt was in fact mine, they still reported it to the credit bureaus and have affected my ability to acquire a mortgage in the short term. This is a shady business practice. Debts whose ownership is not confirmed and verified via a SS number or other official means should not be allowed to be reported.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2015-08-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No