ERC

2015-08-07

Salton City, CA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Complaint: I never had a XXXX phone
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-08-07

Rockwell, NC

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Disputed: No Timely Response

2015-08-07

Boston, MA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: I had a phone contract with XXXX. When I signed up for services in store XX/XX/XXXX I was told by the customer service representative in the store that I had 30 days in which to cancel my contract if I was unhappy with service. By the end of the first week it was clear that the very costly services ( around {$350.00} a month for XXXX phones ) were not providing good reception, the internet did not even WORK on the phones ( these were brand new models!!! ) and even when calling between the XXXX XXXX lines or sending texts there were often delays of XXXX minutes or more. I called on day XXXX after giving their services a chance, feeling I was well within the time limit of 30 days. I was told, I am sorry you only have ten days to cancel. I went into the store to try to talk to someone, they apologized that I was given incorrect information by the sales representative but told me that indeed I had ten days to cancel NO EXCEPTIONS. So now I was locked into a horrible cell phone service that barely worked and I did not want. We did not even use one of the phones because the internet service on it was so poor ( even when on a Wifi connection! ) that it was rendered worthless. We had to buy another phone with a different ( and much cheaper! ) provider that worked great. I continued to pay the outrageous $ 350+ monthly charges ( keep in mind this is for only XXXX phones with minimum packages ) for six months. In early XXXX of XXXX my house was robbed, my car was stolen, and XXXX of the phones was stolen. I called and reported the phone stolen and requested to cancel service on that phone. A few days later the other phone was broken beyond repair and I did not have the funds ( after being robbed of nearly all my belongings ) to purchase a new phone through XXXX. I requested they terminate my account. My father offered to call and pay via credit card because I could not afford termination fees. He did this in early XXXX XXXX. A year and a half later and I am getting letters and calls from a collection agency ( including XXXX calls after XXXX on a weeknight which I have reported them for ) asking for {$930.00} that they say I owe to XXXX. XXXX says my father never completed payment, even though when I called them to confirm the accounts were closed and everything was settled I was told, " Yes everything has been taken care of and you have nothing to worry about and will not be getting a bill from XXXX in the future. '' They are requesting a whopping {$580.00} for termination fees, despite the fact that I was duped into a contract and had made their outrageous payments each month for non-working cell phones and had been robbed and was therefore not at fault for the need to cancel contract. I am currently expecting my first child any day now, and I am single and a student with no income. I do not have the time to deal with XXXX and the collection agency harassment as I try to finish my degree and move forward in my life. These charges are beyond excessive, and XXXX has already lost a court case in XXXX County ( where I was residing ) in XX/XX/XXXX for excessive termination fees, and recently lost a nationwide case for bill cramming that occurred during the time I had service with them. Furthermore, my father paid these charges in XXXX XXXX and I was told by a representative that my account was closed, no more billing, no problems. Now I am being harassed by XXXX and their collection agency with calls being placed at XXXX on XXXX XXXX, XXXX and XXXX on XXXX XXXX, XXXX in an attempt to collect this so-called debt. XXXX customer service lies and says they want to speak with me to resolve and address my issues then claim they never got payment from my father and yell that I owe them money and they will send me the bill. A total waste of my time and harassment on all levels!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: Yes Timely Response

2015-08-06

San Diego, CA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-08-06

Manhattan, NY

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-08-06

MD

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: Enhanced Recovery Company has contacted me over XXXX debts that are not mine. On both occasions, I called and informed them of this issue and they said they " would make a note and take care of it. '' XXXX of the debts has now been reported as delinquent and is on credit report, The process for removing this debt from my record is exhausting and slow and places the burden of proof on the individual and not on the person assuming the debt. ERC has acknowledged that this debt is only linked to me by name and not through a social security number. Despite my contacting them and rejecting ownership of this debt and they having no proof that the debt was in fact mine, they still reported it to the credit bureaus and have affected my ability to acquire a mortgage in the short term. This is a shady business practice. Debts whose ownership is not confirmed and verified via a SS number or other official means should not be allowed to be reported.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-08-06

Lk Buena Vis, FL

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: This company popped up on my credit report out of the blue. They say I owe XXXX money which is impossible because I have been with XXXX for years and I would n't be able to continue service with an outstanding balance. I contacted XXXX and they have no record of the account. I attempted to get the account removed from my credit reports but they are saying the debt is valid. So if XXXX has no record and i am a current XXXX customer, and have been since 2008, how can i owe them money?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-08-06

Jamesville, VA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Repeated calls for debts incurred by a person named XXXX XXXX who has not resided or had my phone number for over a decade. The most recent XXXX XXXX agency that calls sometimes as early as XXXX looking for the above person.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-06

Brooklyn, NY

Incorrect information on credit report

Credit reporting:

Account terms
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with non-monetary relief

Disputed: No Timely Response

2015-08-06

Brentwood, TN

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I have not received a letter from them prior to them placing this on my credit report. I was not afforded my right under the FDCPA.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-08-06

Charlotte, NC

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt resulted from identity theft
Complaint: this account is a fraudulent account and was opened with my stolen identity ... IT IS REPORTING ON MY CREDIT AND NEEDS TO BE CLOSED WITH THIS COMPANY AND DELETED WITH THE BUREAUS ASAP
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: Yes Timely Response

2015-08-06

Greenwood, WA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Right to dispute notice not received
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with non-monetary relief

Disputed: No Timely Response

2015-08-05

Discovery Bay, CA

False statements or representation

Debt collection: Other (i.e. phone, health club, etc.)

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

Disputed: Yes Timely Response

2015-08-05

Pearland, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-08-05

Hollywood, FL

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-08-05

Pearland, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-08-05

Jupiter, FL

False statements or representation

Debt collection: Other (i.e. phone, health club, etc.)

Attempted to collect wrong amount
Complaint: The one debt was from a phone company XXXX XXXX XXXX. They charged me for a service that I never received. I tried to cancel the service in which I paid but never received, but they gave me the run around. They would n't let me cancel so I went to a different phone company and the first company put me in debt for the contract. I filed a dispute which never showed up through XXXX XXXX. It 's been over 2 months and I have n't seen anything for the dispute.
Company Response: Company disputes the facts presented in the complaint Closed with non-monetary relief

Disputed: No Timely Response

2015-08-05

Brooklyn Heights, OH

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Company believes the complaint is the result of a misunderstanding Closed with non-monetary relief

Disputed: Yes Timely Response

2015-08-05

Las Vegas, NV

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: I have notified enhanced Recovery Company that I am disputing this debt and that it does not belong to me, and they have not provided any verification of debt information and refuse to remove the item from my credit report.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with non-monetary relief

Disputed: No Timely Response

2015-08-05

Pearland, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-08-05

Houston, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-08-05

San Francisco, CA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Company Response: Company disputes the facts presented in the complaint Closed with non-monetary relief

Disputed: Yes Timely Response

2015-08-05

Houston, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-08-04

Harbor City, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2015-08-04

Los Angeles, CA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response