ERC

2015-05-21

Hamburg, NY

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

2015-05-21

Glendale, CO

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Upon reviewing my credit reports in XXXX of 2014. I noticed that Enhanced Recovery Corporation had placed a negative listing on my credit reports. I immediately sent them correspondence requesting proof of debt under the FDCPA ( Fair Debt Collection Practices Act ) Section 809 ( b ) Validating debts. I advised that this was the first I have ever heard of this debt. On XXXX XXXX, 2014 I requested full debt validation and demanded the removal of negative reporting from all the credit bureaus. I never received anything.I then requested it again on XXXX/XXXX/2014 and still no proof of debt provided. I disputed directly with credit bureaus and they came back as verified. I sent another request to Enhanced Recovery Corporation again on XXXX XXXX, 2014. They have failed several times to provide me anything under FDCPA. However they continue to report inaccurate information on my credit reports to this day. I am demanding they comply with FDCPA and remove this from credit reports. They have had now 7 months to comply and have ignored not only my requests, but the FDCPA.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-21

Key Biscayne, FL

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: Since XXXX XXXX, 2011 and to date I have been using XXXX as my line for telephone, internet and cable TV and have been paying my bills through XXXX without interruption. I can not pay for the same telephone line XXXX XXXX XXXX when I never use their service. I have evidence that all my phone bills were paid to XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-05-21

Orion Twp, MI

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: i have had no knowledge of debt with enhanced recovery corp or XXXX. I am requesting that they either provide me with an original copy of cell phone contract or remove there collection account ( s ) from all of my credit reports.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-05-20

Cedar Park, TX

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-20

Detroit, MI

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

2015-05-20

Aventura, 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: No Timely Response

2015-05-20

Detroit, MI

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

2015-05-20

Cocoa, FL

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

2015-05-20

Wahiawa, HI

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

2015-05-20

Blacksburg, VA

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: No Timely Response

2015-05-20

Penn Yan, NY

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

2015-05-20

Magnolia, TX

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Complaint: They called my mother 's cell phone and NOT ME. When I called to find out who it was & what for. I have NEVER received a debt letter or heard of ERC. When the collector demanded collection & told her that her company has never sent me a letter of debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-05-20

Jupiter, FL

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: Enhanced recovery company LLC sent me a mail regarding a debt that I owe from XXXX. I mailed a letter back ( USPS confirmation delivery : XXXX. ) Requesting information about their business, a copy of the last bill, their license, etc. They have not responded back to me. They have reported this debt to the credit bureaus. Nobody is giving me information yet they are expecting me to pay without being informed or them identifying themselves. For all that I know it can be a scam! I am still a XXXX customer and I still have the same phone number. It is astonishing that enhanced recovery company was able to reach me at the same address yet t mobile was n't even able to reach me or call me to explain the situation. XXXX effort to contact me was none at all. How am I suppose to pay a bill if I do not see the bill? Note : I have already phone in to make a claim. Please attach this to existing claim. case # XXXX and # XXXX. Note : Please see attached supporting document. It is dated!!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-19

Matthews, NC

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: No Timely Response

2015-05-19

Hesperia, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

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

Disputed: No Timely Response

2015-05-19

Palm Desert, CA

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

2015-05-19

Bedford, TX

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: On XXXX XXXX, XX/XX/2015 I filed a complaint with CFBP ( Claim No. XXXX ) against Enhanced Recovery XXXX and another XXXX on XXXX XXXX, XX/XX/2015 ( Claim No. XXXX ) Which claim to collect a debt for XXXX XXXX CompanyAfter contacting XXXX parties and requesting for additional related documentation materials associated with this account from XXXX XXXX that would help to substantiate such claim XXXX parties have failed to provide me with the documentation til this date. I have request the following Documents such as ; Billing Statements, Payment History, Contract agreements and have never received them. In order to resolve this issue Enhanced Recovery XXXX made the following statement in their last response to CFPB : In an effort to resolve XXXX XXXX ' concerns, our agency has submitted a deletion request with all credit reporting agencies associated with the account and our office on XXXX XXXX, XX/XX/2015. Please allow up to 30 days for the credit reporting agencies to process our request. Our agency will have no further contact with XXXX XXXX regarding this account. In order to make our client aware of XXXX XXXX ' concerns, our agency will forward this complaint to our client XXXX XXXX. Since that time Enhanced Recovery XXXX have Submitted the deletion request to the following Credit Bureau 's ; XXXX and XXXX but have failed to submit the request to XXXX and the negative Collection account still remains on my credit file with this Bureau. Enhanced Recovery XXXX needs to follow through with their promises and also request the deletion with Experain as well.This account does not belongs to me. I have not, and never have had an account with XXXX XXXX Company
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-05-19

Cincinnati, OH

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Closed

Disputed: Yes Timely Response

2015-05-19

Bedford Heights, OH

Improper contact or sharing of info

Debt collection: I do not know

Contacted me after I asked not to
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-18

Barrett Parkway, GA

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-18

Cypress, TX

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-18

Little Rock, AR

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

2015-05-18

Fort Pierce, FL

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-18

Portland, OR

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed

Disputed: No Timely Response