Date Received: 2015-06-04
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: CFPB File XXXX was filed regarding unlawful collection practices by : Enhanced Recovery Company, LLCXXXX XXXX XXXX, Florida XXXXIn their response to the CFPB complaint, in an excerpt of the company 's representative response was as follows : " Additionally our agency has submitted a deletion request will all credit reporting agencies with the account and our office. The confirmation of this request is XXXX. '' This document is attached. However, as of this date ( XXXX XXXX, 2015 ), the credit reporting agencies continue to report this matter on my credit files. As there are XXXX Credit Reporting Agencies, and Enhanced Recovery Company gave only XXXX confirmation number in their response, it seems there is a willful and malicious attempt to deceive both the CFPB and myself. In order to remove the report from each of the XXXX credit reporting agencies, XXXX confirmation numbers would be required. These files can be removed immediately without delay by a company that wishes to remove them. The Credit Reporting Agencies simply report the information reported to them and are required by the FCRA to immediately remove any information as directed by the firm that files the erroneous, or wrong report. I am asking that the CFPB impose sanctions on Enhanced Recovery for their deceit in removing the file as they indicated in their correspondence regarding the above listed file.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2015-06-08
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Received a letter from Enhanced Recovery Company LLC indicating I have a balance with XXXX for {$92.00}, but can settle it by paying them {$55.00}. That amount has never been my monthly expense, XXXX XXXX confirms my account is current and they 've never authorized this collection agency. Their account number on the collection notice in no way is similar to my XXXX account.
Company Response: Company disputes the facts presented in the complaint
State: VA
Zip: 20147
Submitted Via: Web
Date Sent: 2015-06-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-03
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: In XXXX 2015 I filed complaint against Enhanced Recovery Company. Case # XXXX. During the dispute process, Enhanced Recovery advised they will request documentation from XXXX XXXX XXXX regarding this account. To date, no documentation has been received and the account is still listed on my credit reports.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
State: CT
Zip: 06514
Submitted Via: Web
Date Sent: 2015-06-05
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-01
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I am complaining about how XXXX is handling a mistake that they made which is affecting my credit, as they are not making any effort to resolve the issue after several months of attempts by me to get to resolved. All of the effort is on me to get them to fix their mistake. I already had XXXX service in XXXX with XXXX lines. After making sure the service worked OK, I ported my XXXX XXXX numbers to XXXX. In XXXX XXXX, I wanted to add a XXXX line to my Family Plan, where a XXXX line would be only {$10.00} per month, plus the cost of financing the cheapest smartphone ( adding about {$5.00} per month XXXX. I did this in a store. They made a mistake and created a new account instead of adding to my existing account. When I realized this, I called to get it corrected. Instead of moving the phone and service over, they billed me for the phone and calling plan in its entirety, as though I wanted a new phone and a one month plan. Even after XXXX months, that barely comes to {$170.00}, but their billing to me was for a single month of service and the phone. I called again and thought it was resolved. Meanwhile, the XXXX line was working on my Family Plan. Then, in XXXX XXXX, I got a collection notice. I will summarize the rest in saying I made literally hours of calls multiple times, and in XXXX cases got escalated to " supervisors '' that said they understood and could resolve the issue. Nothing has been done. XXXX reps claim that the charges have been " validated '', meaning they did nothing to look into it. XXXX isolates that credit group from the public so there is no way to speak with them, and there is no way to get it resolve. I have sent a written dispute and they changed to yet another collection company ( that is owned by XXXX ), and they are offering no time to resolution nor anyone to contact. After XXXX months and hours of my time, my credit is still affected and I can not make a home purchase. Their reps have no clue what to do, and their hidden " accounts receivable '' or " collection '' group does nothing. This should not be legal, and their mistake should not be my burden to exert such effort for. If I charged them how they charge me, they should owe me about {$150.00}. I am filing a complaint because there needs to be repercussions for this sort of behavior. My only other option appears to be suing them, but with that, there is no record of a consumer complaint. I have paperwork supporting my case.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95037
Submitted Via: Web
Date Sent: 2015-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-31
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I switched cell phone carriers in XXXX of 2013. XXXX XXXX XXXX to XXXX. Was able to keep my cell phone numbers upon switching companies. Contract with XXXX XXXX XXXX was complete. I had been with that company when it was XXXX. That 's how long I was with XXXX XXXX XXXX. Received a call from XXXX XXXX XXXX about two months after swapping carriers. XXXX informed me that I owed them equipment charge taxes which was over {$200.00}. I asked them why they said It was for their equipment taxes? I said I never heard anything about taxes when I switched. After a brief discussion the representative said not to worry I had been with the company for a extended time and they would just waive the tax charge. I thought that was the end of the story. It did not end there. Enhanced Recovery Company out of XXXX Florida enters the scene one year later with collection on my credit report. This is straight bogus and I have dispute with all XXXX credit report agencies and all they do is after XXXX month is say its legitimate and it will stay on my report. They do not even make that company show any proof that I owe anything. They are asking for {$810.00} to settle this claim. I owe no XXXX anything at all. Please help me remove this from my credit report and make this company report correct collections. They are causing a lot of pain while doing thisXXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75605
Submitted Via: Web
Date Sent: 2015-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-31
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: This company has attempted to collect a debt that is not mine. I already advised them it was not mine but they still reported it to my credit report. I do not owe any money to anyone. I have an excellent credit history and score. They are trying to collect a debt for a person that has a similar name but is not me. This person lived in the same street but not the same address. I already advised them about it but they still decided to report it under my name. They do not have my social security # or my DOB they only decided to match it to me because of my name. I called the company who they said the debt belongs to and they have a different social security # and dob also. This is not fraud since I have never had any issues with any other companies. This is just a person who has a similar name.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75010
Submitted Via: Web
Date Sent: 2015-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-31
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: A few months ago, I noticed that Enhance Recovery had added a XXXX debt to my credit report. I called them and told them it was not mine, aftera few days they removed it. They told me it was a mistake. I then called XXXX and told them that I never had their service they then told me that I needed to file a Police Report. I told them that I was very busy working that I would not have time to file a police report but if I did I would. This morning, the same item showed up again on my credit report. They did not send me any notices it just showed up again. At this point I do not know what to do with them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2015-06-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX would not itemize the charges they gave me after closing an account with them at XXXX XXXX XXXX XXXX Every month was paid. They charged for not returning equipment, but I never rented equipment from XXXX. It would be in the XXXX statement and subsequent statements since there is a monthly fee to rent their equipment as far as I know. I made many attempts to work this out with XXXX. Representatives said they would send me an itemized list of the charges, but they never did. It was later given to a collection agency, but I do not owe anything as far as I know. If the reason for the charges were given, I would understand what I am paying. But, if they were misinformed about the equipment, I believe these charges are misplaced.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-05-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-29
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: ENHANCED RECOVERY PUT A COLLECTION ON MY CREDIT THAT I DO N'T OWE. THEY NEVER SENT ME A NOTICE STATING THAT THEY ARE PUTTING ANYTHING ON MY CREDIT. I CONTACTED AT T AND THEY CONFIRMED THAT I DO N'T OWE THEM FOR THE ERRONEOUS ACCOUNT. I DISPUTED THE ACCOUNT AND THEY CONTINUE TO REPORT IT ON MY CREDIT
Company Response: Company disputes the facts presented in the complaint
State: TX
Zip: 77066
Submitted Via: Web
Date Sent: 2015-05-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-28
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I have requested debt validation from this company several times. I have requested information about what this account is for, the date of XXXX delinquency, and an itemized final bill from ERC. The XXXX request was over 60 days ago and the last request was over 30 days ago. The only information I have recieved is a paid in full letter. I requested debt validation. I was told over the phone that ERC does not have this information and they need to contact the Original Creditor for this information. I paid this debt in full to the Original Creditor, ERC is continuing to report this debt with inaccurate information to the CRA including the date of first delinquency and the amount of the debt owed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33611
Submitted Via: Web
Date Sent: 2015-05-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes