Date Received: 2015-04-24
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Consumer Complaint: ON XXXX XXXX, XXXX I SENT A LETTER TO THIS COMPANY INFORMING THEM TO VERIFY THE DEBT AND INFORMED THEM TO CEASE & DESIST. THIS FOLLOWED THE CEASE & DESIST UNTIL XXXX XXXX, XXXX WHEN I STARTED RECEIVING PHONE CALLS AGAIN. DURING THE TIME IN WHICH THEY DID NOT CONTACT XXXX WAS IN CONTACT WITH ME & I DISPUTED THE BILLS DIRECTLY WITH XXXX. WHO IGNORED MY DISPUTE. I FEEL TAT ENCHANCED RECOVERY COMPANY, LLC VIOLATED MY RIGHT 'S BY STARTING THE PHONE CALLS TO ME AGAIN. ALSO IN THAT LETTER I INFORMED THEM I DID NOT WANT TO DEAL WITH A COLLECTION AGENCY THAT I WOULD DEAL WITH THE CREDITOR DIRECTLY.
Company Response:
State: CA
Zip: 90815
Submitted Via: Web
Date Sent: 2015-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-24
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: i send a letter to ENHANCED RECOVERY COMPANY to dispute the validity of alleged debt in the entirety of {$830.00} from the creditor known as XXXX for an alleged disconnected mobile service.My specific dispute with ENHANCED RECOVERY COMPANY alleged debt is based on the fact that i only have 1 month service to XXXX.I am requesting them that the following information be supplied ; a detailed description of the service for which this alleged debt is owed ; an itemized description of how the alleged debt was calculated ; and copies of document showing that i agreed to purchase any product or services to XXXX they did not send me any letter about this alleged debt i only know this when i check my credit report.
Company Response:
State: CA
Zip: 92346
Submitted Via: Web
Date Sent: 2015-04-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-24
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Your office completed an ivestigation on this matter and the compnay stopped collecting the debt but they still have not removed it from all XXXX credit bureau 's. ERC for XXXX XXXX is still on my report.
Company Response:
State: MA
Zip: 01201
Submitted Via: Web
Date Sent: 2015-04-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-23
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I am writing this letter to address a situation where my credit was diminished, ( I believe wrongfully ), as outlined below. I originally started with XXXX in XX/XX/XXXX. A couple of months later, my phone was stolen and since I did n't purchase insurance, I had to wait a couple of months to purchase a new phone. When I called XXXX to activate the new phone, the representative said that given my situation she felt I would be better off switching to a pre-paid plan. I was concerned about being charged an early termination fee, but she assured me that as long as I stayed with XXXX for the duration of the original contract, I would n't be charged a termination fee. I took her advice and did as she suggested. I remained a loyal XXXX pre-paid customer through XX/XX/XXXX. A look at my credit report lead me to find that they charged me a termination fee even though the XXXX representative said they would n't. I found that they sent it to a collections agency ( Enhanced Recovery Company ). I 've spoken to representatives at Enhanced Recovery, who told me to get XXXX to send this information. In XXXX and in XXXX XXXX different XXXX supervisors acknowledged their mistake, and promised that their XXXX Team would contact me so I could get this information to Enhanced Recovery, and get it off my credit report. Their XXXX XXXX failed to contact me both times, but this time I recorded the conversation with them. In this recording ( XX/XX/XXXX ), the Supervisor acknowledges that the previous Supervisor ( from our XXXX conversation ) sent a letter to their XXXX Team indicating that I should NOT have been charged and early termination fee because their Representative did not enter such fee into my new agreement. I 've sent letters to both XXXX and Enhance Recovery Company, but nothing has been done to clear up my credit. I 'm a XXXX veteran who really needs help getting this problem fixed. Please help me. If you are unable, please tell me who ( in your agency ) can help.
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2015-04-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-23
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX XXXX, Ga XXXX XXXX MAIL, RETURN RECEIPT REQUESTEDNO. XXXX CollectionEnhanced Recovery Company LLCXXXX XXXX, FL XXXX : XXXX or XXXX account # XXXX Dear XXXX : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Rather XXXX owed me a refund. Furthermore, Please refer to my certified letter sent to XXXX and received on XXXX/XXXXXX/XX/XXXX under article # XXXX XXXX XXXX XXXX XXXX and XXXX certified letter sent to XXXX and received on XXXX/XXXXXX/XX/XXXX which XXXX failed to response and resolve the matter on timely manner. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). Thank you for your attention to this matter. Sincerely, XXXX XXXX
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2015-04-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-23
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: it was something I never opened
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 124XX
Submitted Via: Web
Date Sent: 2015-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-22
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: Enhanced Recovery has reported to the CRA that I owe a debt to XXXX that was the resault of Identy theft. I reach out to them XXXX time and then went directly to the orginal creditor ... Spoke with XXXX XXXX at XXXX who has confirmed the account is cleared and has let the collection agency know that this account has been clear and any negative information should be removed from my bearus within XXXX to XXXX hours which at this point it has not been removed
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2015-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-22
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I have been attempting to dispute an XXXX account that is on my credit report since XXXX of this year. I disputed it because I have not had XXXX for 10 years so the fact that an ATT account was showing up on my credit report is impossible. When I received my results from the credit bureaus the results said that the credit bureaus verified that the information was accurate. Once I received those results, I called XXXX to figure out why they were sending an account to collections when I have not done business with them for 10 years. I called their customer Service Department at XXXX XXXX XXXX XXXX and spoke with a XXXX who told me they did n't have any information on me and that I would need to call their collection department at XXXX XXXX XXXX XXXX. I did so and spoke with a XXXX. He looked up my information with my social and stated I owed {$0.00}. He then transferred me to their XXXX department to speak with a XXXX and she told me that I did at XXXX point have a collection but that it was sold many years ago and that she did n't even have any collection agency information on the account because it was so old. I asked her if the collection agency was named Enhanced Recovery Corporation and she stated that they do n't even do business with Enhanced Recovery Corporation anymore! At this point I decided to call the collection agency directly. When I spoke to Enhanced Recovery I asked them why they were collecting this account if XXXX stated that I did n't owe any money and that they did n't do business with Enhanced Recovery. I was transferred to a Supervisor named XXXX XXXX and he informed me that they supposedly did do business with XXXX and that he would request something called XXXX to forward to me. He verified my home address and said that it would be 30 days. This conversation took place XXXX XXXX, 2015. On XXXX XXXX 2015 I called XXXX XXXX and he said that XXXX was in fact received and that it was sent to my address and that I would be receiving it by mail. I waited until XXXX XXXX and I still did n't receive any letter so I decided to call XXXX XXXX XXXX more time to figure out what is going on and why I have n't received anything. Now I ca n't get a hold of the guy and I am being transferred from XXXX office to another and speaking with multiple representatives none of which can answer why they are still collecting this debt and credit reporting it on my report without any proof. They claim they have XXXX offices and they do n't know who I was speaking with. I have been trying to call them all day yesterday and today and they are now acting like I am the plague and wo n't give me any answers. Because I have been dealing with this for over 3 months now I decided to investigate my options and have found out that this collection agency is in violation of a law called the Fair Debt Collection Practices Act by not validating this debt in a timely manner or removing it from my credit report. They are also committing fraud by claiming this account is verified to the XXXX credit bureaus. I am asking you to please help me with getting Enhanced Recovery to do their job right and remove this from my report. Their fraudulent placement of this account on my credit report has prevented me from buying a home and obtaining financing that I require. If this does not get resolved soon I will be suing Enhanced Recovery Corporation. Please help me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93305
Submitted Via: Web
Date Sent: 2015-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-22
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: i recently obtained a copy of my XXXX and XXXX credit reports and saw that enhanced recovery had listed an negative account on both my XXXX and XXXX credit reports without sending a dunning letter. after I filed a complaint with the XXXX on XXXX XXXX, 2015 they sent a letter with a copy of bill which does not include whether they purchased the debt I specifically asked for all documents showing that they are allowed to attempt to collect and the original contract of the debt they are trying to collect to see if I actually owe this debt. They have been reporting this on my credit report since XXXX. I requested for them to remove all negative information as I do not believe I owe this debt ad they did not provide the information that I requested and they stated that they would send the credit reporting agency status as I am disputing this debt.
Company Response:
State: GA
Zip: 30141
Submitted Via: Web
Date Sent: 2015-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-22
Issue: Disclosure verification of debt
Subissue: Not disclosed as an attempt to collect
Consumer Complaint: on my XXXX credit report.i have disputed collection charge its my son they want investigate my dispute. so, i call both company and they tell me its my son account they keep leaving it on my credit report its under his social number they want take it off.and their is a creditor, i pay every month this on and they have no data for XXXX months or more they are not treating me fairly its like they can do whatever they want they in charge.
Company Response:
State: TX
Zip: 75154
Submitted Via: Web
Date Sent: 2015-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No