Date Received: 2015-07-27
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: XXXX debt collectors are trying to collect on the same debt XXXX provided verification of debt letters.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 08104
Submitted Via: Web
Date Sent: 2015-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-27
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Back in XXXX, 2015 I pulled my credit report and I notice XXXX debts on there from Enhanced Recovery Co. XXXX for {$99.00} and XXXX for {$130.00} I know for a fact that I did not owe these debts so I wrote a letter of dispute and asked for validation of the debts. After doing some research online I offered to settle the debts just to have them remove from my credit even though I know I do not owe them. I wanted to improve my credit as I am trying to purchase a house within the next two years so I figured I could get rid of them since they are minimal for my piece of mind. I verified Enhanced Recovery Co. address and I sent the XXXX letter of dispute asking for validation of the debts on XXXX XXXX, 2015. I waited 30 days for a reply but I did not get one. I sent a XXXX letter on XXXX XXXX, 2015 and as of today, XXXX XXXX, 2015 I have received no reply which shows me that these have no proof of these debts and are ruining my credit for no reason. Since these so called bad debts can not be proven I can only assume that these debts are not valid especially since I have never had service with those companies.
Company Response: Company disputes the facts presented in the complaint
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2015-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-27
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: i have XXXX accounts on my credit report with the same company only one is correct
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2015-07-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-25
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Enhanced Recovery continued to report an false claim on my credit files. The debt is not mind
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20706
Submitted Via: Web
Date Sent: 2015-07-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-23
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have paid for the same debt for XXXX in XXXX 2014 to XXXX debt collector. Now Ehnanced Recover Company is trying to continue to collect the debt wheich has bee paid in full.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60067
Submitted Via: Web
Date Sent: 2015-07-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-24
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: This charge is for " Roaming Charges '' while on a cruise. I did not make or receive any calls, did not text or receive any texts ( except from XXXX ), and/or did not connect to any website while out of the country ; therefore I received no benefit. I initially disputed this charge w/XXXX, by my phone call, in XX/XX/XXXX and asked for details of the charges, which I never received. I disputed the charges again XXXX XXXX ( collection agency ), who sent a demand letter, in a letter dated XX/XX/XXXX and again requested a statement detailing any numbers that were called or received, and the web sites that were visited during the period while I was out of the country, and once again received nothing. My account was then passed on to the XXXX XXXX XXXX ( another collection agency ) and I received a demand letter from them. I wrote to XXXX XXXX XXXX on XX/XX/XXXX and informed them that the charge was not valid and that I had already disputed the charge with XXXX and another agency. I explained that I received no benefit for the charges, and despite XXXX requests, I had not received anything validating the charges. I informed them that I would not respond to any more inquiries. On XXXX XXXX they signed for my certified letter and my account was reported to XXXX as a collection on XXXX XXXX. My XXXX Credit Score has just dropped from XXXX to XXXX due to this. I 've not checked, but I 'm sure that my XXXX and XXXX XXXX scores have dropped as well. I have a collection on my credit report for a medical bill which I disputed. The scenario with that bill was exactly the same. When I would dispute it with a collection agency they would drop it and then it would be sent to another agency. I finally gave up sending letters and explaining the situation over and over again. This practice has got to be in violation of the FCRA and I do not intend to have another collection on my record that is not valid. Enhanced Recovery should be shut down based on accounts that I 've read when I researched the phone number that they called from. Since then I received another collection letter from Enhanced Recovery Company , LLC. I have verified that they called me on XXXX and today ( XXXX ), left it ring XXXX, hung up before I could answer and left no message. The number that they called from is ( XXXX ) XXXX. I have no interest in contacting them as I have already made it clear to XXXX other collection agencies that I do not owe XXXX {$620.00} and that I requested a detailed statement which I have not received. They do not have a detailed statement as explained above. I sent a letter to XXXX requesting that they remove the collection. They did not remove it but they did indicate on the report that the account is in dispute.
Company Response: Company believes the complaint is the result of a misunderstanding
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2015-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-24
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I would like to dispute a collection account with Enhanced Recovery Corporation. XXXX XXXX XXXX originally held a {$69.00} debt for me over 4 years ago. I disputed with XXXX XXXX XXXX and was told that they would resolve it, yet, sold said debt to ERC. I have disputed this debt through XXXX and had it removed in the past, but ERC keeps reporting it. I last disputed with XXXX this week and was given a statement saying that the debt was valid. XXXX did not provide any details of the debt being valid. Also, the debt XXXX is showing says it was started in XXXX of 2014 which is also incorrect. The debt was originated over 4 years ago.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2015-07-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-24
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: It is showing on my credit report that i owe money on XXXX when i already paid everything. Infact I still have an open account on XXXX for my internet swervice and home phone service. I have ask XXXX why is this Debt showing from this company and they have told me they dont know why or how. They said they have contacted the Debt collector and told them that i dont owe any balance from them and they still didnt take it out of my credit report. I have called the Agency to show me proof of this Debt and they refuse to send me any document. This is affecting my credit big time since im trying to build my credit and purchase a house.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94560
Submitted Via: Web
Date Sent: 2015-07-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-23
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have disputed with the XXXX major credit bureaus online, verbally, and in writing related to negative items I believe are erroneous reported on my credit report. I have disputed the account information as inaccurate with XXXX, XXXX, and XXXX to send information that verifies the debt has not been paid. How is this possible? Under the consumer laws, I 'm unable to get them to send me a detailed invoice related to the amounts I owe. It 's very confusing as a consumer to continue to receive letter from several different collection agencies requesting me to pay the same debt for different amounts. I have uploaded the letter received related to a debt with XXXX, that 's been paid and resolved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75287
Submitted Via: Web
Date Sent: 2015-07-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I recently moved and was trying to open a new utilities account. At that time they advised me I had a defaulted bill and that I would have to pay hundreds of dollars to open an account because of this. Of course, I was extremely shocked and upset to find out that there is a debit on my record from XXXX ; an old account that I had closed YEARS ago! I was not aware that my old XXXX XXXX account had gone into collections. I had paid the account in full, after cancelling it and moving. Now years after the fact, I find out that the old account is in collections. For monies I DO NOT owe them! After all these years, they never tried to contact me whatsoever!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33830
Submitted Via: Web
Date Sent: 2015-07-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No