ERC

2015-07-23

Wonder Lake, IL

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I have paid for the same debt for XXXX in XXXX 2014 to XXXX debt collector. Now Ehnanced Recover Company is trying to continue to collect the debt wheich has bee paid in full.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-07-22

Atl, GA

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: Yes Timely Response

2015-07-22

Palm Bch Shrs, FL

Disclosure verification of debt

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

Right to dispute notice not received
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: No Timely Response

2015-07-22

Sebring, FL

False statements or representation

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

Attempted to collect wrong amount
Complaint: I recently moved and was trying to open a new utilities account. At that time they advised me I had a defaulted bill and that I would have to pay hundreds of dollars to open an account because of this. Of course, I was extremely shocked and upset to find out that there is a debit on my record from XXXX ; an old account that I had closed YEARS ago! I was not aware that my old XXXX XXXX account had gone into collections. I had paid the account in full, after cancelling it and moving. Now years after the fact, I find out that the old account is in collections. For monies I DO NOT owe them! After all these years, they never tried to contact me whatsoever!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-07-22

Englishtown, NJ

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

2015-07-22

Trenton, NJ

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I contacted Enhanced Recovery Company LLC after i was attempting to enter into a new relationship with a mortgage company and discovered that this collection agency had an open past due account with the credit bureaus in relation to my ssn. I contacted the company via certified mail XXXX 2015. I received no response within the required XXXX days, so I informed the company via certified mail that they were in violation on the federal law FDCPA 807 ( 8 ). I began to call the agency multiple times as a desparate attempt to resolve this negative mark that is preventing me from my mortgage approval. I received the attached letter in XXXX 2015 and that is the last communication between myself and the creditor. I informed them with several letters and multiple phone correspondances that I need this account to be validated or removed NO RESPONSE!
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with non-monetary relief

Disputed: No Timely Response

2015-07-21

Meadows Place, TX

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: Yes Timely Response

2015-07-21

Houston, TX

Disclosure verification of debt

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

Right to dispute notice not received
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-07-21

Odenton, MD

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: Yes Timely Response

2015-07-21

Hampton, VA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: XXXX is again trying to collect a debt that I do not owe using another collection agency. I opened a compaint before that they had sent to another agency and that collection was closed. Now they are tyring to collect using another one. I have not received the {$75.00} deposit I paid them. I stated that they should take their money out of that and send me the remainder. They have done nothing except to lie the the other company about paying me my deposit. I do n't owe them anything as I have yet to receive any of my money back..
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: Yes Timely Response

2015-07-21

Augusta, GA

Communication tactics

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

Frequent or repeated calls
Complaint: I have a XXXX bill currently in dispute. I filed a complaint with the FCC over their fraudulent billing practices - they had me on a plan that was supposed to last a year, but they dropped me off the plan at 6 months, and then when I called to complain, they fixed the bill. But the next month they overcharged me. And I called to complain. So they fixed the bill. And then the next month they overcharged me again. So they fixed the bill, but I dropped the service. So I paid off the bill online - or so I thought. Because that last bill that they said they were going to fix - well, they did n't fix it. I dropped the service immediately after the said they were going to fix it, and instead of actually fixing it, they just left it at the wrong price. So I paid off the bill ( I do e-billing, so I never got a paper bill ) - but, oh, I paid too little. Because they did n't fix the amount like they were supposed to. Fast forward to today. ERC has never called me. They have never sent me a notice. They have repeatedly called my XXXXyear-old father and XXXX-year-old mother, who live two hours away and have never had anything to do with my account or with XXXX. My telephone number - which I have had since 2008 - was on file with XXXX, and I have never received a telephone call from ERC. NOT ONCE. I called ERC, and they told me that I owe XXXX {$44.00}. I had a discussion with them that the debt was submitted to them fraudulently, and they said they could send it into dispute. But I had already filed a complaint with the FCC over their billing. And it 's still " under investigation. '' Probably because XXXX 's poor customer service and billing procedures are so shoddy that it 's legendary. There 's probably a whole department at the FCC that JUST DEALS WITH XXXX COMPLAINTS. So, I talked about it with the rep some more. She explained the processes and essentially, if XXXX does n't remove the debt from their rolls, they 'll keep calling XXXX my parents, apparently, despite their number never having ever been on anything XXXX related, and despite the fact that I 've had this same cell phone number since 2008 ) and trying to collect the debt. So I said, " That 's just more trouble than it 's worth. I 'll just pay the amount. '' And she said, " Okay, there 'll be a {$15.00} convenience fee for paying your bill over the phone. " Very long story short, ERC has been:1. Harassing people who have NOTHING TO DO WITH THIS ACCOUNT2. Charging people an exorbitant fee to pay their bill. Thank you for your time.
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: Yes Timely Response

2015-07-21

Wallington, NJ

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: Some one opened two accounts in my name at XXXX a town I do not live in. This is identity theft and it is the second time that has occured XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: Yes Timely Response

2015-07-21

Las Vegas, NV

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Over a year ago I had an account with XXXX. I was more than dissatisfied with there service to say the least, so I cancelled. I paid my debt and moved on. XXXX then sent me to collections for a debt that was Invalid. The debt was removed from my credit by all three credit reporting agencies due to it being invalid. In the past year XXXX has given this invalid debt to XXXX collection companies that I have had to fight and prove the debt was invalid. The first was XXXX, then it was XXXX collections, XXXX collections, and now Eenhanced recovery collections out of florida. I have just filed XXXX complaints again with the XXXX and am now seeking legal counsel for there harassment. Please look into there unethical business practices. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-07-20

Lathrup Village, MI

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

2015-07-20

Brooklyn, NY

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: Yes Timely Response

2015-07-20

OH

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: XXXX emailed me that I have a account in collections on my credit report, I called the collection company and explained the debt is not mine. I then called the company that sent the info to the collection company and have no gotten anywhere in over a month.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-07-20

Oxford, GA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Enhanced Recovery has reported XXXX negative trade lines with failing to properly validating the debt. On XXXX XXXX I received a collection notice from Enhanced Recovery payment of {$390.00} for a debt owed to XXXX XXXX. I sent them a request for validation. It looks like they received it XXXX XXXX, 2015. Enhanced Recovery failed to properly validated this debt and reported it as a collection in XXXX of 2015. Furthermore on Enhanced Recovery sent me a settlement offer XXXX XXXX, 2015 for a XXXX account again i sent them a request for validation ( a letter dated XXXX XXXX, 2015. I never received anything from them. In XXXX 2015 a collection was placed on my credit report. I firmly believe that Enhanced Recovery actions are illegal. I want these negative entries removed from my credit report.
Company Response: Company disputes the facts presented in the complaint Closed with non-monetary relief

Disputed: Yes Timely Response

2015-07-19

San Antonio, TX

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: No Timely Response

2015-07-18

Arco, CA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Case number : XXXX followed the correct measures and filed my complaint. The collection agency ( Enhanced Recovery Company , LLC ) admitted they had the wrong data and would close the collection account on XXXX XXXX, 2015. Now, two months later it still shows as a derogatory item on my credit scores ( all XXXX bureaus ) and it seems that Enhanced Recovery did not follow though with their promise to remove this negative item from my file. They never provided me with any information or account # 's in their initial contact with me. This company is extremely unprofessional and are abusing their abilities to ruin people 's credit. They have not followed through with their promise to remove this from my credit file.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2015-07-18

Bronx, NY

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: i recently recieve my free annual report from the credit bureu, and didnt recieve any notice from the original collector that. sold my debt to another new collection agency.and the new collection agency never notify me about reageing/restarted a old debt.that i thought will be remove from my credit in XX/XX/2016.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-07-18

NE

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I have a few accounts that it was n't even me. On XXXX account and XXXX, my phones were stolen and i was locked up in prison at that time.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-07-17

FL

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: We cancelled our XXXX XXXX service to be effective XX/XX/XXXX because we were moving. We were not able to move our service because XXXX does not offer XXXX service in our new area. We gave them our new address. On XX/XX/XXXX XXXX sent a statement to our old address which reflected a balance due for the period XX/XX/XXXX through XX/XX/XXXX in the amount of {$69.00} and a balance due for XXXX in the amount of {$38.00} ( total {$100.00} ). We immediately called and spoke to XXXX. She told us not to pay the bill, that the corrections would be reflected in the XXXX statement. Again, we gave them our new address. Despite telling us they would fix the problem, they sent us to a collection agency. We contacted the agency and sent a letter outlining the issues. We never heard back from them. In XXXX we received another collection letter from a different agency. We contacted them and wrote another letter. We never heard back. In XX/XX/XXXX, we received another collection letter from third agency. We contacted them and wrote another letter. We never heard back. Last week ( XX/XX/XXXX ), we received yet another collection letter from a different agency. We have sent them a dispute letter. Additionally, XXXX has reported us to the credit rating bureaus as not paying our bill. Technically, that is correct. But we have n't paid it because we have n't received a corrected bill. How many times can XXXX send us to a different agency? This is getting to feel like harassment. We are willing to pay what we owe, but we would like a corrected invoice.
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

2015-07-17

Los Angeles, CA

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I submitted a dispute to Enhanced Recovery for a XXXX XXXX account. ERC responded to my CFPB complaint and stated they verified the account and mailed supporting documentation to me on XXXX/XXXX/15. I have yet receive such documentation. Without proper validation of this debt, this TL needs to be removed from all XXXX of my reports immediately. My next step will be the Attorney General 's office.
Company Response: Company believes complaint is the result of an isolated error Closed with non-monetary relief

Disputed: No Timely Response

2015-07-17

Hampton, VA

Improper contact or sharing of info

Debt collection: I do not know

Contacted me after I asked not to
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-07-17

Indiahoma, OK

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I 'm currently in the process of rebuilding my credit and have been combing my reports when I came across a collection for an old Internet account back in 2011. I filed a debt verification letter with the collection agency at the XXXX of this month. I received a response the following day, during which they said the account status had been updated and it was placed in an " investigatory status. " When I checked my credit reports XXXX XXXX, my XXXX report shows this debt meets the guidelines set forth by FCRA. On my XXXX report, it shows the debt as being disputed. First and foremost, I never actually disputed the debt. I simply asked for a verification of the debt. I called to speak with the original creditor this morning, giving them the account number listed, my social security number, my name and former address the account was listed under and every other piece of information needed. After spending more than XXXX minutes on the phone with them, I had XXXX separate account receivables professionals tell me there is no record of any account or debt with my listed information in their system at any point. That tells me the collection agency simply ignored my debt validation letter or rubber stamped it because the original creditor does n't have anything listed for my account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response