Date Received: 2015-03-30
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: My credit reports reflect a debt in the amount {$770.00} owed to XXXX XXXX XXXX company as the originator. I have disputed this debt numerous times for years with no success. Each time the debt returned as verified. I requested verification of this debt, but have received nothing.
Company Response:
State: TX
Zip: 75165
Submitted Via: Web
Date Sent: 2015-03-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-29
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: After getting a landline phone and number, we started to get debt collectors calling for debts that do not belong to us and that the people they are looking for we have never heard of. We tell them that there is no such person, however, these debt collectors keep calling!! Can you help us? XXXX of the companies is " Enhanced Recovery '' at XXXX and XXXX. Another is XXXX XXXX ( or that is what it says. However, that is not them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2015-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-03-29
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: After reviewing my credit report over a month ago, I notice an unknown debt of {$200.00} from XXXX XXXX that was opened in XXXX XXXX. I have written to the collection agency called Enhanced Recovery Co to ask for a debt validation. They never responded to my certified letter ( with return proof of delivery ). After several research, I pulled up a previous credit Report made in XXXX and noticed that another Credit Collection Agency called XXXX had put a similar XXXX XXXX XXXX balance/debt of {$200.00}, opened this time, in XXXX XXXX. The last time I used XXXX XXXX XXXX was in XXXX. I have every reason to believe that the Enhanced Recovery Co is negatively re-Aging my debt. I read from several sources that this technique was illegal. I also signed up a week ago to credit Karma to see updated info on my record and noticed that around XXXX XXXX ENHANCED RECOVERY CO put a note stating that I have filed a complaint that was resolved but they seem to have removed this note a few days later.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90027
Submitted Via: Web
Date Sent: 2015-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-03-28
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: XXXX changed their cell towers from XXXX to XXXX. My phones no longer got XXXX. XXXX was horribly slow and inconsistent. I tried for months to get them to give me free new phones which would work with XXXX. They would not. I pointed out that their service agreement specifically addresses this situation ( I will include the documents as attachments, if possible ). Still, they would not give me new phones. I told them I would have to switch carriers because I effectively had no cell service. Still no help. So I switched to XXXX. They then tried to charge me a {$490.00} Early Termination Fee ( ETF ) because I cancelled before my contract was up. I pointed out to them that their Terms and Conditions state the following : " New Agreements on the XXXX XXXX ( XXXX ) Network : Your Service on a device activated on the XXXX XXXX ( XXXX ) Network may require a new XXXX two-year Agreement per line. XXXX expressly reserves the right to migrate your Service during this Agreement term from the XXXX XXXX ( XXXX ) Network to the XXXX XXXX XXXX network to complete your Agreement term. Reasonable advance notice of the Service change will be provided to impacted customers, who can then select XXXX of the following options : ( a ) Choose to complete the Agreement term using your existing device Terms & Conditions without XXXX ( XXXX ) capability ( b ) Elect to complete the Agreement term by contacting us after receiving notice from XXXX to transition to the XXXX XXXX XXXX network with no additional term commitment required ( Transition Option ) ( c ) Deactivate service. Deactivations because of this Service change will not result in an Early Termination Fee ( ETF ). Transition Option : If you select the Transition Option, you will receive a free standard XXXX XXXX capable device and can maintain your existing Service plan, if available. During the Agreement term, XXXX may provide other offers that are separate from the Transition Option, and these offers will be subject to a new two-year Agreement per line. '' Since XXXX did not honor its obligation under the " Transition Option '' ( b ) I exercised my option to deactivate under Option ( c ) with the belief I would not be charged an ETF, AS IS CLEARLY STATED IN THE TERMS AND CONDITIONS ( " Deactivations because of this Service change will not result in an Early Termination Fee ( ETF ) '' ). Again, I tried, for months, to get them to honor Option ( b ) but they would not. SO I went to XXXX and they sent my account to a series of collection agencies. I promptly responded, in writing, to any written communications I got from these companies. I fully explained the situation to each and told them I would not make a payment because the debt was not valid. The first XXXX firms dropped the matter. However, the XXXX/current one ( Enhanced Recovery Company, LLC, " ERC '' ) reported this matter to the credit reporting agencies with the result being an approximately XXXX point drop in my XXXX score. Needless to say, I consider this unacceptable as well as inaccurate. I 've tried to resolve it with ERC but they keep referring me to XXXX which, as expected, has proven useless. ERC is acting on behalf of XXXX, XXXX will not honor their obligations under their own Terms and Conditions. My only recourse is to file this complaint with the hope the matter will finally be resolved in my favor. This whole situation should never have happened in the first place. XXXX needs to honor their Terms and Conditions, even if there 's a cost to doing so. They changed the cell tower technology to something that no longer gave me service. I paid my bills and fully honored my obligations under the agreement. This matter is their doing yet I have been paying the price. This needs to be corrected ASAP.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2015-03-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-27
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Found this debt on my credit report, but have never received any communication regarding it Sent a letter on XXXX requesting validation stating I would also be willing to settle the matter if they could provide proof They received the letter on XXXX, and as of this time they have not provided any documentation at all
Company Response:
State: MA
Zip: 02453
Submitted Via: Web
Date Sent: 2015-03-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-27
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I found a collection on XXXX of my credit reports. I asked the credit agency to verify the information and they said they did. It is a XXXX bill outstanding from an account opened in 2009 in a city I did n't live in, with a different last name than mine as well as a different SS number. I called XXXX and asked them use my name and SS and they did n't have any records of any accounts or outstanding bills. Into the picture comes Enhanced Recovery Company ( ERC ). They have been VERY difficult to work with. I 've repeatedly called them and was told to send in by email and mail documents ( drivers license, SS # and copy of credit report ). I 've done all of the above to no avail. I can not get any response or action on their part. Every time I call I am passed on to a " manager '' who still can not help me or find any of my information that I provided at their request. I have read so many terrible reviews of ERC that I 've decided to go down this path for some help. Thank you.
Company Response:
State: PA
Zip: 15102
Submitted Via: Web
Date Sent: 2015-03-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-27
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Received and alert from XXXX credit bureaus in XXXX XXXX of a collection from XXXX. I disputed this debt with the credit bureau to only send a response back in three days that this debt was valid as they verified my Name, Social and Address. XXXX XXXX Phone Number : XXXX Phone Call Date : XXXX/XXXX/XXXX Phone Call Time : XXXX EST After receiving the feedback from XXXX I reached out to Enhanced Recovery to receive some verbal information/confirmation since XXXX only verifies electronically. I asked XXXX the Debt Collector Agent a few questions regarding this account. Her answers are provided in red : 1. What is the Account Name : XXXX XXXX 2. What is the information from the debt collection agency? Name : Enhanced Recovery Address : XXXX XXXX XXXX. XXXX, XXXX XXXX Business Phone Number : XXXX Professional License Number : I do not have one What address does this collection belong to? XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Have you reported this account to the credit bureau? I do n't know you would have to tell me if it is reported or not. 4. If this debt was reported to the credit bureau how long would it stay on my file? I do n't have that information as I only have a little information regarding this account. 5. When is the deadline expiring for me to pay this debt? I do not have this information available as I am only a third party debt collector. All I know is that the debt was acquired in XXXX of XXXX. 6. How long have you had this debt? This debt has been in our office since XXXX XXXX, XXXX. Per the above responses the Agent was not able to validate anything besides the amount and date ( s ). I do n't consider this validating the debt. Validating a debt would be receiving a copy of a contract with my signature, payments made to the account in my name etc. If the Debt Collector is at liberty to obtain my address from the Credit Agency ( as they have an old one on file ) then that means the credit agency also provided my phone number and social security number too. XXXX verified the name, social security number and address. However the address attached to the debt was not an address listed as current or previous on my credit file. The agent was unable to provide me if this debt was reporting to any credit agency. How can I debt be verified if the agent alone can not verify what is and is n't reporting to anyone. They are a debt collector this information should be known. If this debt was acquired in XXXX XXXX the SOL has passed on this account. So why put an account you ca n't even collect on my account. I currently have XXXX and in order to get service I had to pay previous balance ( which was none ) as well as a deposit which was on {$50.00}. XXXX has already verified that I am not currently in collections nor have I ever been. Please remove debt. The attachment shows I currently have XXXX and the account number is different. The 2nd attachment documents a call I had with an agent from Enhanced Recovery.
Company Response:
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2015-03-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-03-26
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I sent debt verification letter two years ago in XXXX XXXX. Debt was removed from all three credit providers. Debt reappied in XXXX XXXX and Updated in XXXX XXXX. Collection agency never sent out debt verification letters to me, which violates FDCA
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2015-03-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-03-26
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Received XXXX phone calls within XXXX week from the following number XXXX and XXXX. Message simply was a debt collection agency following up on collecting a debt. End recording ... I do not know what it is all about since we do not have any financial arrears? Do not know if this is a scam either?
Company Response:
State: FL
Zip: 32092
Submitted Via: Web
Date Sent: 2015-04-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-26
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: There has been a collection account placed on my credit reports that I have no knowledge of. The account is listed as Enhanced Recovery Corp, Acct # XXXX. In or about XXXX 2014, I sent a letter to this company via the address provided on my credit reports. The letter was sent in request of validation of this debt according to my state laws - Texas Financial Code 392. As of today, it has been 60 days and the company has not provided any information that proves that this debt belongs to me. I have requested verification via the credit reporting agencies but have not been provided any information.
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2015-03-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No