Consumer complaint received 2015-05-29
Company: Enhanced Acquisitions, LLC
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
In XXXX, my credit references started receiving harassing phones calls. The company XXXX identified themselves as XXXX XXXX XXXX and then XXXX XXXX XXXX. The messages left on the phone stated that I should call in regards to return item fees. In addition, they were going to file charges for check fraud. On XXXX XXXX, XXXX, I contacted XXXX and the representative confirmed the debt with XXXX. XXXX is an installment loan not a payday loan. She stated that she was actually calling out of the arbitration office of the district court clerk 's office out of XXXX XXXX XXXX. She wanted to reach an out of court settlement instead of suing me for the remaining balance ( I believe the original loan amount was {$1500.00}, the balance was now {$3100.00} ). When I informed her that I could not pay and that I would possibly consult a lawyer, she stated that I would not have time to do that and that they have a summons that they are going to serve to me at my home and subpoenas to my references. In addition, she told me it was not going to work. She also stated that she could possibly present a hardship offer with the attorney 's approval. In addition, that due to the nature of the case, I was looking at a lot of time in the court system and in jail ( I recorded our entire conversation ). 

At this time, I began research in order to find out who owned my debt ( suggestion made from the California XXXX XXXX ). The account was sold to a third party debt collection agency, XXXX XXXX XXXX ( XXXX ) in Kansas. XXXX stated that they sold it to XXXX XXXX. I called XXXX XXXX numerous times and eventually left a message. On the XXXX business day, XXXX XXXX at Enhanced Acquisition Group LLC contacted me. XXXX XXXX was not rude and seemed quite helpful, and he stated that he received a message forwarded from XXXX XXXX. He stated that they owned my debt and that it was leased out to an agency to help collect on the debt. He was going to recall the debt from the agency and that I would work directly with them in rectifying the debt. He also presented a hardship offer, which required approval. 

In addition, I requested a debt validation letter. XXXX XXXX stated that he would email me XXXX. The letter contains the name of the company, post office box, original creditor and their assigned account number ( not the one issued by XXXX ). At that time, I could not verify the company in the State of New York database for business searches. In addition, after conducting an internet search, the toll free number and the XXXX mailing address comes up under the name XXXX XXXX XXXX XXXX, which has an XXXX and an alert on the XXXX website. 

XXXX XXXX, XXXX, I sent a certified letter to the address documented on their offer letter. I have a signed certified receipt that it was received. I did not hear from this company again until XXXX. Per the letter, I requested that all contact be made in writing. I spoke to the representative ( I recorded this conversation ). I informed him about the letter and he stated that the company did not receive it. He stated that the address on their offer letter was incorrect and provided the correct address. I resent the letter as of XXXX XXXX, XXXX. 

I have a signed certified mail receipt stating that the letter was delivered on XXXX XXXX, XXXX. As of XXXX XXXX, XXXX, I have not received any of the requested information in writing. Enhanced Acquisition has reported this debt to XXXX and has not complied with the FDCPA, section 809 ( b ). I have contacted XXXX and they refuse to remove the debt line.

Company response to consumer: Untimely response