ERC

2015-07-02

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: No Timely Response

2015-07-02

San Mateo, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I recently discovered a questionable item on my credit report, which had been paid by my mortgage company before as a financing condition. I went ahead and asked this company to validate the account under the FDCPA. The company failed to provide me with any validation of the account and persevered with reporting the account on my credit report and even verified the account as a valid account instead of reporting it as a " disputed account '' as required by the FDCPA
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: Yes Timely Response

2015-07-02

Tampa, FL

False statements or representation

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

Indicated shouldn't respond to lawsuit
Complaint: I called and asked that they remove the comment on my XXXX Credit report " customer disputes ''. I do not dispute and agree that it is my bill. I was told I 'd have to pay the bill before this was done.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with non-monetary relief

Disputed: Yes Timely Response

2015-07-01

Panther Creek, 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 it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-07-01

Hampton, VA

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

2015-07-01

Norwalk, 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

2015-07-01

San Antonio, 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: Yes Timely Response

2015-07-01

Ft Myers, FL

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: The charge is for XXXX equipment that was returned in a box with a tracking number that was provided by comcast. I have talked several times explaining this to them. I think it is settled and they put it back on my credit report again
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-07-01

Davie, FL

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: Yes Timely Response

2015-07-01

OK

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I had an outstanding XXXX balance, they had first sent it XXXX, then they removed it, and they sold it to enhanced recovery where i settled and paid my debt, I then received XXXX phone call about still owing my XXXX XXXX XXXX bill to XXXX. XXXX XXXX XXXX had never closed the account, and still shows i owe a outstanding balance. I am not sure which company is at fault, I just want it taken care of. I have been on the phone with enhanced recovery all day trying to get an paid in full email.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-07-01

Orlando, FL

False statements or representation

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

Attempted to collect wrong amount
Complaint: Enhanced Recovery collection is reporting on my credit reports a bill, that has been on my credit reports on and off for over 20 YEARS. The account # XXXX first appeared on my credit report in XXXX XXXX with XXXX. It was then sold to XXXX XXXX and re reported with account # XXXX in XXXX of XXXX. It was then sold to XXXX and re reported with account # XXXX in XXXX XXXX. It was then sold to XXXX XXXX and re reported with account # XXXX in XXXX XXXX. It was then sold to XXXX XXXX and re reported with account # XXXX in XXXX XXXX. It was then sold to XXXX. XXXX XXXX and re reported with account # XXXX in XXXX XXXX. It has now been sold to Enhanced Recovery Collections with the account # XXXX in XXXX XXXX and updated by Enhanced Recovery Collections in XXXX XXXX.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with non-monetary relief

Disputed: Yes Timely Response

2015-07-01

Savannah, GA

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: Credit bureaus, SHOULD NOT BE ALLOWED TO reinsert a removed item from your credit report without notifying you in writing within 5 business days. THIS UNETHICAL PRACTICE SHOULD BE INVESTIGATED. It is obvious, " Creditors, collection agencies, or credit bureaus, if they make attempts to report " Re-Age '' to a consumer 's report or account by updating the date of last activity on a consumer 's credit report in the hopes of keeping negative information on a consumers account longer. '' This is unacceptable.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-06-30

Bartow, FL

Improper contact or sharing of info

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

Talked to a third party about my debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-06-30

Patterson, MD

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: XXXX bill I do not oweXXXX bill made in my name at a third party store.The address XXXX XXXX XXXX XXXX XXXX XXXX, md XXXX. I do not live there my information was stolen.I send in a police report identity theft too XXXX last year on this same bill I talk the people at XXXX about this XXXX for over a year it was taken off my credit report in XXXX 2015 and this company put it back on enhanced recovery company. so please contact me so ... we can make arrangement to get it off my credit .thank you
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-06-30

Orion Twp, MI

Disclosure verification of debt

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

Not disclosed as an attempt to collect
Complaint: I asked this debt collector to send me the information on my debt so I could take care of it. They responded by telling me they ca n't find my account or information for it. It is still on my credit report and I 've heard nothing but bad things from this company and being dishonest. ENHANCED RECOVERY COMPANY is the company in question and XXXX is the original creditor.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-06-30

Austin, TX

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: This be on my credit reports. It is not anything I know of. Never wrote me, just put it on my reports.
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

2015-06-30

MO

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I recently contacted Enhanced Recovery Company about a debt I noticed on my credit report. I was never notified of this debt nor given the right to dispute or have the debt verified in writing. The address ERC provided to me was one I do not live at. I requested they restart their recovery efforts by allowing me first a chance to pay the amount due without reporting to a credit bureau. I paid the amount in full and still see the issue on my credit as unpaid. I would like Enhanced Recovery Company to immediately remove this trade line from my credit report with any and all bureaus they have reported to. I feel this is warranted as I was never afforded the opportunity to handle this issue properly.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: Yes Timely Response

2015-06-30

NC

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I contacted Enhanced Recovery Company XXXX/XXXX/15 regarding a XXXX debt in which I was unaware of. After speaking with a reprensentative who refused to answer my questions I was transferred to a Supervisor named XXXX. After attempting to speak with him he continuously over talked me and refused accept my request of a validation yet tried forcing what he thought he knew on me and forcing me to pay the debt. I understand how cell phone plans work I 'm not stupid and XXXX had no right to deny me a validation of a debt I was unaware of!!! He even had the audacity to ask if I wanted to dispute it or if I wanted a validation like I had to choose between a validation or dispute. XXXX went on to say I had to send the dispute in writing or nothing in his office will be done. Why was my right to dispute this debt and request a validation denied by this company? Why was I forced to choose between a validation or dispute? The notices says dispute the validity of the debt within 30 days or it 's assumed mine. The letter does not state it has to be sent in writing so why was XXXX trying to force me to send it in writing when I clearly disputed it verbally various times? Section 809 of the FDCPA does only require that the collection agency validate in writing when the request for validation is done in writing. But as per the notice I received there is no specific request nor requirement of the dispute or the request for validation to be placed in writing so therefore I feel as though this collection agency is poking fun at the FDCPA. Thus being unfair and violating my rights as a consumer as well the collection agencies that put forth the effort to maintain compliance. Being that a dispute and request of validation are both a form of a dispute they still need to be treated differently as well as investigated properly which this company refused to do. I also have everything recorded.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with non-monetary relief

Disputed: No Timely Response

2015-06-29

Brkn Arw, OK

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: Yes Timely Response

2015-06-29

Juniper Hills, CA

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: This account was opened through fraudulent means, my personal information was use without my consent to open and establish credit. Approximately XXXX years ago when I was applying for a home loan I discovered this account with XXXX had been opened in my name without my permission to someone claiming to be me at an address I have never resided. I reported it to the credit reporting agencies, XXXX, XXXX and XXXX the negative information was removed for a couple of years only to reappear. Since this first incidence another account wit XXXX appeared on my credit report and I received a letter from the collect agency handling the account, I telephoned that company and explain this was a fraudulent account use my information with an address where i have never resided and was told I would receive no further attempts from them and the matter was resolved.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-06-29

Oxford, GA

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: The company is reporting that I owe a debt on m y credit report, once I called the organization I was told that they no longer own the debt but would not remove the item from my credit report. In addition, I was lied to by the first representative who told me that I could not get the company to remove the debt. I asked for a manager who told me that I did not have debt with them any longer and I told him I wanted the item corrected on credit report and I was told that it would be up to 45 days before that could occur. They also refused to let me speak to the in house attorney or a member of the administration team who handles credit reporting.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with non-monetary relief

Disputed: No Timely Response

2015-06-29

West Brandywine, PA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: XXXX XXXX claimed I had not cancelled service and attempted to collect several months of service. Finally the company representative, after admitting they saw no activity on the account during the period in question, requested XXXX fax a copy of the XXXX contract to satisfy our claim. The copy of the XXXX contract was faxed and the information over and the item was removed from my credit report. It has now been placed back on my credit report by Enhanced Recovery Company.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: Yes Timely Response

2015-06-29

TX

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I did not receive notice from this company of my right to dispute this alleged debt.
Company Response: Company disputes the facts presented in the complaint Closed with non-monetary relief

Disputed: Yes Timely Response

2015-06-29

Van Nuys, CA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: My son cell phone account with XXXX was under my name. 4 years ago my son left the country for a long trip. I called XXXX and asked them to freeze the account. the person who took care of this matter specifically said that when my son comes back we can call to reinstate the account, 3 months later, after this call I started to get bills from XXXX. since we also moved to another address I got those letters much later, I called XXXX and questioned those bills, they told me that after 3 months the freeze is removed, I explained that this is not what we where told, I decided to close the account. I paid {$200.00} for an early termination and was sure they will remove the charges that was done for no reason, for no use of the line, but they did n't. they send it to a collection company that keeps changing names after I dispute their charges. I 'm not willing to pay for someone 's else mistake, and for a service I did n't enjoy. The latest company name of the collection company is ENHANCED RECOVERY CO LLC. I would like to resolve this issue once and for all!!! Thanks
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: Yes Timely Response

2015-06-28

Federal Way, WA

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: I received a written collection notice from Enhanced Recovery Company , LLC ( ERC ) of XXXX, Florida attempting to collect a debt for XXXX. I followed the instructions on the collection agency letter and responded in writing in 2013 to dispute the validity of the debt. My letter included the specific statement : " This account is not mine and should be removed from my credit report. " I went to a local XXXX store and was able to learn that my social security number was among the information used to open the account. Other account information included a State of Georgia driver 's license number and expiration date, mailing address and associated home telephone number for a residence in Georgia. Learning that my social security number was used to open this account, I filed a police report with my local law enforcement agency and placed fraud alerts with the XXXX credit bureaus. I completed and returned the ERC fraud packet at that time. Now, nearly 2 years later, I am unable to obtain a home mortgage because a credit bureau still reports this XXXX account as a collection item against me ; the other XXXX bureaus previously removed this fraudulent collection account. I was unable to receive even a pre-qualification letter from XXXX lender due to the appearance of this collection item, even though the item includes a note that it is disputed.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response