Date Received: 2022-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Debt has been paid since XX/XX/XXXX but is still reporting to XXXX as unpaid and has only updated as I only paid {$1.00}. I have gotten in touch with company and they keep saying it should have updated. But the only update I have is a {$1.00} dollar decrease
Company Response:
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Due to error with XXXX XXXX XXXX bill my account was closed on the behalf of XXXX XXXX XXXX and set off the collections agency. XXXX XXXX is whom they sent the bill to for {XXXX} AFTER CORRECTIONS WAS MADE MONTHS LATER ON XXXX XXXX XXXX. In XX/XX/XXXX I set up arrangements to settle the account for 50 % they offered to settle the account for {XXXX}. I agreed and set the settlement up on installments. XXXX XXXX, XXXX is when the settlement was paid off in full and closed. XXXX notified XXXX & XXXX XXXX XXXX that my account was closed and settled. I received another phone call from the a different collections agency known Enhanced Recovery XXXX regarding an outstanding balance that is still reflecting on my XXXX XXXX XXXX account that is suppose to be closed and settled. I spoke with XXXX XXXX XXXX through last week starting XX/XX/XXXX, and XXXX spoken with numerous of reps at XXXX XXXX XXXX collections department I also conference XXXX on the call regarding to my account that I had with them from XXXX XXXX XXXX. I Settled the account with XXXX. XXXX XXXX XXXX refuse to closed the account.
Company Response:
State: MS
Zip: 39208
Submitted Via: Web
Date Sent: 2022-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Last year I received a letter in the mail from an auto loan company saying I owe XXXX dollars for a car I never owned. I logged into my credit report & saw multiple collections for a accounts I've never opened. I called the police & told them I've been a victim of identity theft. Recently reviewing my report I have noticed new a XXXX account collection report on my credit. I've never had XXXX service. I'm positive this is a new account from identity theft that is just now reporting. I have frozen my credit & contacted the bureaus.
Company Response:
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XXXX of 2020, I had paid off an XXXX XXXX which I was previously paying installments on through XXXX. I specifically remember chatting with a XXXX Customer Service Agent via online chat, and then I even spoke on the phone with the same agent toward the end of the transaction as I wanted to make absolutely sure that I was being assisted in paying ANY/ALL payments required in order to be relieved of my contract with XXXX, which I made very clear to the XXXX agent XXXX He instructed me of the total amount due, and even ended up assisting me with getting the cell phone set up on a cheaper, prepaid service plan after the phone was deemed unlocked. I happened to save the chat transcripts between the agent and I on that specific evening, in preparation of an event like what I have been experiencing for the past year & a half. For some reason, these debt collection agencies have been contacting me claiming that I owe XXXX near {$300.00} which is simply false and not possible. This is very frustrating because it has definitely impacted my credit score, as well as the fact that this is not even something which i should be having to spend any more of my time on.
Company Response:
State: IN
Zip: 46241
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Theres a fraudulent collection account named : ERC showing on my credit report and its affecting me to buy a home
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I recently looked at my credit report and noticed an account named enhanced recovery co l that is unknown and is connected to a fraudulent item on my credit report XXXX
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: ENHANCED RESOURCE CENTER CALLED ME TO MY PHONE NUMBER XXXX FROM THEIR PHONE NUMBER XXXX. IT TOOK SEVERAL SECONDS FOR THE REPRESENTATIVE TO COME ONLINE, A TEL TALE SIGN OF AN XXXX. THEY REFUSED TO GIVE ME THEIR ADDRESS ( I WANTED TO DISPUTE THE DEBT THEY WERE ATTEMPTING TO COLLECT. THEY REFUSED TO GIVE ME THEIR XXXX POLICY WHEN I REQUESTED IT. I ASKED IF THEY WERE CALLING ME FROM INSIDE THE UNITED STATES, THEY TOLD ME NO. I ASKED HOW MANY TIMES HAVE THEY CALLED ME, THEY TOLD ME ONCE A DAY. THEY USED A SPOOFED NUMBER TO CALL ME FROM. THEY VIOLATED THE FDCPA, TFC SECTION 392, TCPA SECTION 227, AND DTPA ALONG WITH TBCC SECTION 302.301. ( See TBCC 302.302 ). THE TBCC CARRIES A {$5000.00} PER VIOLATION STATUTORY PENALTY.
Company Response:
State: TX
Zip: 75217
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX sold an old account to XXXX XXXX XXXX. I settled this debt in XXXX and they marked it as settled for a less amount and it was removed from my report. The same debt from XXXX XXXX XXXX has repeatedly shown back up on my credit report with different companies. The current company is called ENHANCED RECOVERY COMPANY. I have disputed this collections account so many times and they just sell it to a new company.
Company Response:
State: FL
Zip: 33433
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: See letter attached. I am also unable to forward this response per USPS postal agent yesterday. po box and zip code FL XXXX combination is incorrect. The postal agent refused processing.
Company Response:
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Hello, This debt amount was XXXX for a bill I didn't owe. My ex spouse opened this account. I reached out to the debt collector ERC-charter on XXXX to settle the debt and get it removed from credit report. Rep. Offered me a settlement amount if made in 1 payment of XXXX I agreed to settle this debt in single payment if it would be removed from my credit report and be a settled debt. XXXX was charged to my credit card on XXXX and a payment was received by ERC. On XX/XX/2022 a letter was sent to me by mail stating they received my payment of XXXX on XXXX and that I had a remaining balance of XXXX that was still due. It states please make a payment towards my remaining balance that's owed to settle my debt and lists all the ways to pay them. I am a little concerned because this is not the agreement that was made.
Company Response:
State: SC
Zip: 29681
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A