ERC

2017-07-22

OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: A company has written off a debt with XXXX that was proven to be my ex wives and not mine. This was over 5 years ago and they began reporting it to my credit report again and now have reported it again. The debt is written off and they can not keep putting it on my credit report but continue to do so.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-22

Liberty, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-21

Bethesda, MD

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: XXXX terminated my cellular account & service on XX/XX/XXXX. The termination was executed by a XXXX employee/agent during the course of a telephone call I made to complain about lack of coverage. XXXX has misrepresented cellular service coverage in XXXX prior inquiries I made. The XXXX agent acknowledged XXXX 's lack of service coverage in the area, offered to terminate my account & service, & advised me that I would be sent a return reauthorization number & shipping label to return the XXXX XXXX that I had leased from XXXX ( when I opened the account in XX/XX/XXXX ). I never received the return authorization number or shipping label. Furthermore, notwithstanding my repeated calls to XXXX to have the return authorization & shipping label sent to me so that I could return the XXXX, I never received either -- & was never contacted by XXXX with other instructions. I also attempted several times to return XXXX 's XXXX XXXX to three different XXXX ( brick- & -mortar ) stores. None of the XXXX XXXX XXXX stores or their employees, including store managers, would accept the phone for return. Rather, on every occasion I was directed by XXXX stores & employees to contact XXXX XXXX & to return the XXXX XXXX to XXXX XXXX. Months went by. I called XXXX repeatedly in XX/XX/XXXX & again in XX/XX/XXXX. In my conversations with various XXXX employees, including self-designated managers, I was advised that my account was closed & that I woudl be contacted ... again ... with instructions for returning the XXXX XXXX. I never received any instruction, return authorization number or shipping label. During the period from XX/XX/XXXXthroughXX/XX/XXXX XXXX, notwithstanding the fact that it has terminated my account & cellular service, was stiull assessing cellular service charges against my account in the amount of {$50.00} per month & assessing the XXXX lease charge of {$23.00} per month. After XX/XX/XXXX, I called XXXX to demand that it stop assessing service & leasing charges against my account & that it send me the return reauthorization & shipping label to return the XXXX XXXX. On XX/XX/XXXX, I called XXXX yet again & spoke with, XXXX, an Account Manager in its Financial Care Division, who advised me that he was submitting an OCA form to XXXX 's Cash Apps Team to have the XXXX Return Reauthorization executed & to have my terminated account updated to reflect the return of the XXXX XXXX, & to have the illegal cellular service & leasing charges assessed from XX/XX/XXXX through XX/XX/XXXX & XX/XX/XXXX. XXXX promised me during the recorded ( by XXXX ) telephone conversation that he or someone else from XXXX XXXX XXXX would contact me within 7 days to follow up on the status of the XXXX return authorization & corrections to the billing records reflecting the removal of the illegal cellular service & XXXX leasing charges. XXXX never contacted me. On Monday, XX/XX/XXXX, I pulled my XXXX Credit Report in advance of my plans to purchase a new car later that day. I pulled the XXXX XXXX Credit Report because I planned on financing the purchase of the new car with an auto-purchase loan. The XXXX XXXX Credit Report revealed that XXXX had assigned a {$550.00} debt collection to a debt collection agency named Enhanced Recovery Corporation ( XXXX, FL ). As a result of the adverse credit report & debt collection assignment by XXXX to Enhanced Recovery Corporation, my FICO credit score dropped from XXXX to XXXX. I contacted XXXX again & spoke with two different Account Managers, XXXX XXXX XXXX, in the XXXX XXXX XXXX Division. Both advised me that on XX/XX/XXXX, XXXX had designated my account, including the XXXX XXXX -- which is still in my possession ( in perfect condition, boxed, & ready to return to XXXX ), as a ... '' 'write-off '' & that on XX/XX/XXXX XXXX had assigned the write-off in the amount of {$550.00} to Enhanced Recovery Corporation . On thhe same day, XX/XX/XXXX, I called & spoke with XXXX at Enhanced Recovery Corporation. I explained all of the above to her & that I still had the XXXX XXXX & that I was perfectly willing to return it to XXXX or to Enhanced Recovery Corporation. In the debt collection write-up, Enhanced Recovery Corporation advised me that XXXX had charged me {$270.00} for the XXXX XXXX & aprpoximately {$280.00} for cellular service from XX/XX/XXXX through XX/XX/XXXX& for the monthly XXXX leasing costs of {$23.00} for the same period, & {$32.00} for the debt-collection assignment fee. XXXX & Enhanced Recovery Corporation refused to accept return of the XXXX & advised me that even if I made payment of {$550.00} to Enhanced Recovery Corporation that same day -- or had XXXX contact Enhanced Recovery Corporation to terminate the debt-collection action, Enhanced Recovery Corporation ... would NOT remove the debt-collection report against me ( to the credit reporting bureaus!!! As my other car was totaled in an accident, yesterday I had no choice but to proceed with the purchase of a new car. Because of the adverse credit reporting by XXXX & Enhanced Recovery Corporation, which resulted in my FCIO score dropping to XXXX, I was forced to agree to an auto-purchase loan with XXXX XXXX at an interest of ... .7.99 %!!! That 's nearly 4.5 % more than the interest rate I would have qualified for with my prior FICO score!!! And furthermore, I had to accept a 72 month amortization level to get my monthly auto-loan payment to an affordable amount, {$370.00}, which is {$65.00} per month more than I would have paid with a 3.5 % auto loan over a 60 month amortization period. I ask that XXXX & Enhanced Recovery Corporation remove the debt -- collection action against me, advise all the credit reporting bureaus of the removal, & that XXXX & Enhanced Recovery Corporation send me a reauthorization & shipping label to return the XXXX XXXX. I also seek compensation for the damages caused by XXXX & Enhanced Recovery Corporation for the escalated finance costs that I was forced to assume in the auto-purchase loan agreement.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Timely Response

2017-07-21

Raleigh, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Timely Response

2017-07-20

Middletown, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-20

Long Beach, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2017-07-19

Columbus, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Account Details Bureau Name ERC Original Lender XXXX XXXX Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$230.00} Date Account Opened XXXX XXXX 2015
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-19

Garrett Park, MD

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: In reading my XX/XX/XXXX credit report, I saw that Enhanced Recovery Corp has filed a collection report with XXXX, claiming I owe {$47.00} for a Cable or Cellular creditor. Enhanced Recovery Corp has never contacted me, nor have they sent a written validation notice of this alleged debt. I have no knowledge of this collection. I disputed this collection with XXXX onXX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-19

Gwynedd, PA

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-07-19

Hawthorne, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-18

Dallas, TX

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-18

WV

Threatened to contact someone or share information improperly

Debt collection: Other debt

Talked to a third-party about your debt
Complaint: ERC repeatedly contacted my grandmother over a debt I supposedly owe for a phone bill. The bill was never sent to my address, which would 've been the only address within the phone bill account. I have never lived in the state that my grandmother resides or been associated with her address. These are illegal collection practices, as this information was never provided to this debt collection company. I received the bill recently from my grandmother that 's dated for XXXX / XXXX /2016. I 've contacted the company. They were very rude. I was completely unaware of this debt, as they 'd been sending it to the wrong state. They apparently have sold the debt, so they assured me there would be no more bills sent to my grandmother. This illegal collection practices need to be stopped. It 's definitely a defamation of character.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-18

Dallas, TX

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-18

Chicago, IL

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Several of weeks ago I asked for validation of an alleged debt owed to XXXX . I received response from ERC stating I would receive notification in the mail of this alleged debt. On XX/XX/XXXX I received letter ( attached ) from ERC in regard to my response to this dispute. The letter was a billing statement. My request was for validation of the debt of which was not included. In accordance with the Fair Debt Reporting Act ( F CRA ), proper validation must be included upon request. If validation can not be produced per FCRA, all collection efforts must cease and can not be reported to any of the national reporting agencies. Please produce proper validation. If validation can not be produced and ERC continues collection efforts from this point, I will have no alternative but to seek legal action up/and to suit.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-18

Cheverly, MD

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: After being denied an auto loan, I checked my credit, I noticed there was a collection account from Enhanced Recovery Solutions ( ERC ). I contacted ERC and was informed that a letter was sent to me in XXXX XXXX . They place this debt on my credit report on XX/XX/XXXX . They acknowledged that the first initial letter from them was sent to me MONTHS after it was placed on my credit report. The requirement is that once a debt collector has initiated collection on a debt, they are required to send a formal collection ( " dunning '' ) notice within 5 days thereafter. Reporting to a CRA is an act that triggers requirement for timely dunning notice. If the failed to comply, then they are in violation of their debt collection practices obligations under FDCPA 809 ( a ).
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-18

Bearsdale, IL

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-17

Long Beach, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Untimely Response

2017-07-17

Cabrillo, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Untimely Response

2017-07-17

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Untimely Response

2017-07-15

Lewisville, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I received a letter from ERC dated XXXX XXXX, 2017 with a third parties name on it ( XXXX XXXX ) claiming that I owed their company for an alleged debt. The letter also stated that I had 30 days to dispute the validity of this debt. I sent ERC a certified letter and they received it within the 30 day time frame. However the same day they received the letter they placed this item on my credit report. <P/> I disputed the validity of this debt, and I requested validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt. <P/> Per this requirement ERC must delete this trade line if they do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) It has been almost 60 days since they received my certified letter and they are refusing to comply with the Texas Finance Code. I was also unable to locate a surety bond for this company, which is required in my state for them to collect on this alleged debt. <P/> Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me pursuant to Texas Finance Code Sec. 392.403.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-14

Norfolk, VA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-14

Shreveport, LA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Received letter From ERC dated XXXX XXXX XXXX that is attached. Half way down the page you see the letter states " Unless you dispute the validity of the debt, or any portion thereof, within 30 days after your receipt of this notice, the debt will be assumed to be valid by us ''. However on XXXX XXXX XXXX only 6 days after receiving this letter ERC reported to all XXXX Credit Bureau 's as a valid debt instead of allowing me the 30 days. I believe that ERC violated my consumer right 's afforded me in the Fair Credit Reporting Act.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-07-14

Bellflower, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-14

Palos Park, IL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-14

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response