Enhanced Acquisitions, LLC Debt Collection Complaint

Enhanced Acquisitions, LLC Debt collection department,

Other (phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received Louisiana

In -, my credit references started receiving harassing phones calls. The company - identified themselves as - - - and then - - -. 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 - -, -, I contacted - and the representative confirmed the debt with -. - 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 - - -. 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


find out who owned my debt ( suggestion made from the California - - ). The account was sold to a third party debt collection agency, - - - ( - ) in Kansas. - stated that they sold it to - -. I called - - numerous times and eventually left a message. On the - business day, - - at Enhanced Acquisition Group LLC contacted me. - - was not rude and seemed quite helpful, and he stated that he received a message forwarded from - -. 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. - - stated that he would email me -. The letter contains the name of the company, post office box, original creditor and their assigned account number ( not the one issued by - ). 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 - mailing address comes up under the name - - - -, which has an - and an alert on the - website. - -, -, 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 -. 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 - -, -. I have a signed certified mail receipt stating that the letter was delivered on - -, -. As of - -, -, I have not received any of the requested information in writing. Enhanced Acquisition has reported this debt to - and has not complied with the FDCPA, section 809 ( b ). I have contacted - and they refuse to remove the debt line.