ERC

2015-05-13

Hollywood, 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

2015-05-13

Beyersville, TX

Improper contact or sharing of info

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

Talked to a third party about my debt
Complaint: This company sent a negative information as retaliation to my credit report. after I reported them to the XXXX. In my prevouis report they show the account as closed and not in their office. In checking my credit report they re aged the XXXX account. They stated in case number Case Number : XXXX Reference : XXXX, XXXX, & XXXX they showed they closed the account. This is against FRCA reporting and I demand compensation for pain and suffering volutarlery or through small claims court. I am also contacting my states attorney generals office for the tactics used by this company. here is the XXXX case against them. Case Number : XXXX Reference : XXXX, XXXX, & XXXX XXXX, XXXX : XXXX XXXX XXXXCase Number : XXXX Reference : XXXX, XXXX, & XXXXDear Consumer Financial Protection Bureau : This is in response to the complaint received from XXXX XXXX XXXX. XXXX separate accounts were placed with our office for collection to service the delinquent portions owed. On XXXX XXXX, XXXX, we received an account from our client XXXX with a balance of {$260.00} and it was assigned the internal reference number XXXX. The account was later closed in our office and returned to XXXX on XXXX XXXX, XXXX. Our agency previously submitted a deletion for this account ; however it appears it was not processed correctly by the credit reporting agencies. In an effort to resolve XXXX XXXX 's concerns, our agency has submitted a manual deletion request with all credit reporting agencies associated with the XXXX account and our office. The confirmation number for this request is XXXX. On XXXX XXXX, XXXX, we received an account from our client XXXX with a balance of {$590.00} and it was assigned the internal reference number XXXX. On XXXX XXXX, XXXX, our agency sent an initial letter notifying XXXX XXXX that his previously disputed XXXX account was placed in our office for resolution to the address on file. Said letter also informs XXXX XXXX that an investigation of his dispute has been completed. Our agency has had no communication with XXXX XXXX regarding the account to date. In response to XXXX XXXX 's dispute, we have closed his account in our office and returned it to our client for further review. When an account is closed unpaid and returned to our client, our agency submits a deletion request to all credit reporting agencies associated with the account and our office. We will have no further contact with XXXX XXXX regarding the XXXX account. If he has further questions regarding the account he may contact our client directly at the address below : XXXX XXXX XXXX, CO XXXX
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-13

MO

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I did not receive any communication from the company. I did not even know about until it showed up as collection on my credit report. I can not even ask for proof because I never receive a demand letter or any other communication from them. The debt collector is Enhanced Recovery. It is on my XXXX report.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-13

Jacksonville, FL

Communication tactics

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

Frequent or repeated calls
Complaint: Ehanced Recovery Company, LLC has been contacting me repeatedly, XXXX, XXXX times a day, calling and hanging up. Calling and hanging up. They leave a message and then they call back. They never have anyone on the phone. Every time I attempt to answer the phone, the other side hangs up. Its very aggravating, as they call me while I 'm at work, and they just call and hang up.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-05-12

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

2015-05-12

Lancaster, PA

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: This was an invalid charge from XXXX years ago. I have never had any agreement or contract with XXXX XXXX. The basis of this dispute is that I just pulled a credit report. I received no notices by mail, email or phone. I had sent substantial amounts of documentation several years ago when this XXXX came up which proves the debt invalid which I still have available. XXXX, XXXX and XXXX have all received this documentation and only XXXX does not report this new collection but old account now. My XXXX Score is XXXX and XXXX now at XXXX which should demonstrate the kind of damage this kind of wreckless credit reporting can cause someone. The subsequent attachment is from XXXX and the initial issue at the time was I was sold internet with a TV package " add on '' and later told I could not receive internet. There was also a XXXX day cancellation policy with XXXX, but they have been hounding me for years on a contract I never had and never used with XXXX.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-12

LA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: ENHANCED RECOVERY COMPANY is saying that I owe XXXX XXXX XXXX. I know when I cancelled my phone bill and internet I paid my bill. This company is fraud and I have been reading all about it. I ca n't even get these people on the phone. All I have been reading about is how they are fraud. I ca n't find documents. I know this is wrong. Even if I pay them then it still wo n't go away from my credit report. Can you help me?
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-11

Plymouth, FL

Taking/threatening an illegal action

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

Threatened to sue on too old debt
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-05-11

Cleveland, OH

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: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-11

Juniper Hills, CA

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I learned from a recent credit report that ENHANCRCVRCO is showing as a collection account and is trying to collect a debt in the amount of {$400.00}. This is the first time I have heard of this company or this debt. I was never sent a notice of right to dispute nor have I been contacted by mail or telephone regarding this alleged debt.
Company Response: Closed

Disputed: No Timely Response

2015-05-11

Hinsdale, IL

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: The company, Enhanced Recovery, reported an XXXX XXXX XXXX bill in XXXX of 2014 without sending a dunning notice. This was a debt that they had previously tried to collect from me years before and was eventually deleted from my credit reports after disputes were not validated on their end. They began reporting to XXXX and XXXX in XXXX of 2014. I disputed through the XXXX and they acknowledged through written message that they did not send a dunning notice because they were unable to reach me on a cell phone number they had listed as my contact. So as of last week ( XXXX XXXX ) they sent the dunning notice-5 months AFTER they began reporting this on my credit reports. I was not given the chance to dispute before this was marked as a derogatory item on my report and sending the notice now is a clear violation. I want this debt removed from my credit reports as it is being reported incorrectly and collected in violation.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: Yes Timely Response

2015-05-10

Gardnerville, NV

Communication tactics

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

Threatened to take legal action
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-05-10

CA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I received a collection letter from Enhanced Recovery Company , LLC regarding my XXXX cable account and a balanced owed for {$77.00}. I contacted XXXX and inquired as to the debt and as to this company. First, my account had no debt and second, XXXX does not hire outside collection companies according to the recovery department with XXXX. I want to report this company as a total fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-05-08

Penn Hills, PA

Incorrect information on credit report

Credit reporting:

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

Disputed: No Timely Response

2015-05-08

Chicago, IL

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: This company has violated the FDCPA and the FCRA. I sent a letter requesting to verify the debt and it is now over thirty days since they received the certified mail request. I have asked them to remove their derogatory information from my XXXX report and they have not complied.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-05-08

Chicago, IL

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: Enhanced revovery has a claim against me on my credit report. I have only the following information : XXXX # XXXX XXXX XXXX. They are unresponsive.
Company Response: Closed

Disputed: Yes Timely Response

2015-05-07

Alexandria, VA

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

2015-05-07

Hillside, NJ

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-06

Phila, PA

Disclosure verification of debt

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

Not given enough info to verify debt
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-06

Disclosure verification of debt

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

Right to dispute notice not received
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-05-06

Waco, TX

Credit reporting company's investigation

Credit reporting:

No notice of investigation status/result
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-05-06

Cheyenne Wells, CO

Cont'd attempts collect debt not owed

Debt collection: I do not know

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

Disputed: Yes Timely Response

2015-05-06

Long Neck, DE

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

2015-05-06

ME

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I am not responsible for this debt and have attempted to contact both the original debt agency as well as XXXX to no avail. I have requested verification of the debt and received none. After multiple calls to XXXX with no assistance I am forced to request this account be permanently deleted from my credit report and verification of deletion be mailed for my records.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-05

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: Yes Timely Response