Consumer complaint received 07-12-2017 about Debt collection (Other debt) with ERC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I HAD MOBILE SERVICE WITH XXXX A COUPLE YEARS BACK THE ACCOUNT WAS SENT TO COLLECTIONS I HAVE NEVER RECIEVED ANY CORRESPONDANCE FROM THE COLLECTION AGENCY THE FIRST PROBLEM ALSO THEY CAN NEVER VERIFY THE DEBT WITH ME.SECOND PROBLEM IS THE COLLECTION AGENCY DESTROYED MY CREDIT STATED ON MY CREDIT REPORT I OWED A HIGH BALANCE OF XXXX  DOLLARS I WAS NEVER CONTACTED NOR NOTIFIED THROUGH MAIL ONCE AGAIN. I CALLED AND PAID THE SETTLEMENT AMOUNTXXXX WITH DEBIT CARD ENDING IN XXXX ON XX/XX/XXXX FROM MY UNDERSTANDING WHICH I WAS INFORMED BY ENHANCED RECOVERY CORP ON RECORDED LINE MY BUSINESS WITH XXXX AND THE COLLECTION AGENCY WAS DONE AND OWED THEM NO MORE MONEY. ON MY CREDIT REPORT IT WAS REPORTED XX/XX/XXXX AS CLOSED SETTLED LESS THAN FULL BALANCE. THIRD PROBLEM I INQUIRED ON GETTING A MORTGAGE TO PURCHASE A HOME THE YEAR OF XXXX BUT COULDNT DUE TO THE FACT I HAD ONE COLLECTION ON MY CREDIT REPORT FROM ERC SO I CALLED THEM AND THEY WERE VERY RUDE AND NOT WILLING TO HELP AND RUSHED ME OFF THE PHONE AND TOLD ME THEY CAN NOT HELP ME AND I HAVE TO CALL THE ORIGINAL CREDITOR SPRINT. SO I CALLED XXXX AND XXXX AND THIS WHEN THINGS GET WORSE I FOUND OUT FROM XXXX ERC DID NOT REPORT I PAID OR SETTLED THE ACT WITH THEM AND THIS IS YEARS LATER XXXX  ADVISED ME I STILL OWE THEM A BALANCE OF XXXX AND I WAS DISTRAUGHT AND WAS HURT AND WAS EMBARRASED DUE TO THE FACT I FELT LIKE I WAS BEING MADE A FOOL OUT OF BECAUSE I WAS ADVISED MY BUSINESS WAS DONE WITH THE BOTH PARTIES. SO I DID A 3 WAY CALL WITH XXXX AND THE COLLECTIONS AGENCY AND WE CAME TO THE CONCLUSION NO ONE KNOWS WHAT THEY ARE DOING AND THE BOTH PARTIES HAVE NO COMMUNICATION SKILLS WITH EACH OTHER. THEY COLLECTIONS ADVISED XXXX BALANCE WAS XXXX AND XXXX  ADVISED THEM I STILL OWE MONEY ON A RECORDED LINE SO I CONTINUE TO TALK TO XXXX AND THEY AGREED ON A RECORDED LINE TO ME THAT THEY WILL SEND ME CONFIRNMATION EMAIL THAT THEY ARE REMOVING THE DEBT FROM MY CREDIT REPORT BY SUBMITTING THE REQUEST TO ENHANCED RECOVERY CORP IN XXXX, FL TO REMOVE IT OFF DUE TO THE INCONVIENCE AND THE LACK OF COMMUNICATION BETWEEN BOTH PARTIES SO THIS IS THE SECOND TIME IVE BEEN A VICTIM OF NO COMMUNICATION BY THESE PARTIES. XXXX ADVISED ME GIVE IT 2 WEEKS FOR IT TO BE REMOVED AND GIVE THEM TIME TO UPDATE TO CREDIT REPORTS I WAS HAPPY AND I HAVE THEM A MONTH I CHECKED MY EMAIL EVERY DAY AND I NEVER EVER RECIEVED CONFIRNMATION FROM XXXX AT ALL ABOUT THE CONVERSATION NOR DID THIS SITIUATION GET HANDLED OR GET THIS OFF MY CREDIT REPORT SO I CALLED XXXX AGAIN AND THEY TOLD ME THE LAST REP I SPOKE WITH GAVE ME FALSE INFORMATION. NOW IM JUST BEING HAUNTED ALL OVER AGAIN. THIS REP ADVISED ME HIS NAME WAS XXXX THAT IF I PAID THE BILL XXXX WITH XXXX THEY WILL REMOVE IT OUT OF COLLECTION AND MAKE SURE IT GETS TAKEN OFF MY CREDIT REPORT WITHEN 48 HRS DATE THIS CALLED TO OK PLACE WAS XX/XX/XXXX AND I ASKED HIM WHAT HAPPENED TO THE LAST REPS INFO HE TOLD ME I DIDNT HAVE TO PAY HE WILL HANDLE THE SITUATION AND THAT I DONT NEED TO PAY ANYTHING BECAUSE THE ACCOUNT WAS SETTLED AND PAID FOR ALREADY I OWE XXXX NO MONEY XXXX BALANCE HE ADVISED ME THE AGENT WAS UNEXPERIENCED AND DIDNT KNOW WHAT HE WAS TALKING ABOUT AND XXXX POLICY WE ARE TALKING ABOUT XXXX LEGAL PRIVACY AGREEMENT THAT IF I PAID THE XXXX WITH HIM ON XX/XX/XXXX THE ACT WILL BE CLOSED AND REMOVED FROM COLLECTION AND HE WILL NOTIFY THE COLLECTION AGENCY DIRECTLY. SO NOW THE COLLCTION AGENCY STILL HASNT REPORTED TO XXXX THAT THE BILL HAS BEEN PAID AND IT IS XXXX SO IM BACK TO STEP 1. I JUST WANT THE DEROGATORY TO BE REMOVED OFF MY CREDIT AT THIS POINT BETWEEN THE PARTIES AND I HAVE HAD THE WORSE EXPERIENCE IN MY LIFE I AM ALSO SEEKING LEGAL ACTION AGAINST BOTH PARTIES BECAUSE ITS UNFAIR AND VERY UNETHICAL. I FEEL AS IF IM BEING SCAMMED AND ITS NOT RIGHT IM BEING TOSSED BACK AND FORTH AND I AM LOST NOW. DUE TO THE FACT ALL THIS TOOK PLACE I AM XXXX AND SLEEPING OUT OF MY CAR DUE TO THE FACT I COULDNT MEET DEADLINES AND XXXX AND ENHANCED RECOVERY CORP INCONVIENCE AND UNETHICAL BEHAVIOR AND LACK OF COMMUNICATIONS I AM HERE BEGGING AND PLEADING TO THE CFPB YOU ARE MY LAST HOPE TO PLEASE HELP ME IM BEGGING. THIS ISNT RIGHT AT ALL AND ITNEEDS TO STOP BEFORE IT HAPPENS TO MORE CONSUMERS XXXX FORBID HOW MANY PEOPLE HAVE BEEN AFFECTED ALREADY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation