ERC

2016-08-06

Worcester, MA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Received collection letter dated XXXX XXXX, 2016 stating unpaid balance of {$49.00} for alleged account with XXXX XXXX XXXX, XXXX. No account exists, nor has ever existed. Moreover, the municipality in which I reside has contract with XXXX XXXX, therefore impossible to have an outside account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-08-05

CA

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: I got the attached letter in the mail for a debt which I did not commit. I believe there are false statements on the letter. I have never had a XXXX account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2016-08-04

Carrollton, TX

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2016-08-04

Warren, OH

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

Disputed: No Timely Response

2016-08-04

Jupiter, FL

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Employee at XXXX said that I did not owe a fee since I paid XXXX months fee as well as last months fee upfront when I first signed up. I cancelled the actual membership in the gym and they said I did not owe anything after that. Now I owe {$70.00} dollars which I never received a letter in the mail saying that is what I owe so that I could dispute it. This gym is just trying to scam me with nonsense fees that I was not even aware of because of lack of knowledge from employees. I have a good credit score from all the years that I 've made payments at the right time. This is not a debt that I owe. The gym shut down so there is no way of me contacting someone with this issue. Now the debt collector is starting to call my place of work.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2016-08-03

Imperial Bch, CA

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

Disputed: No Timely Response

2016-08-03

Phila, PA

Disclosure verification of debt

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

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2016-08-03

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

2016-08-03

TX

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Enhanced Recovery Group has reported a collection action to all XXXX credit reporting companies on behalf of XXXX for {$770.00} as of XXXX XXXX. I know nothing about the account, services provided, I did authorize or guaranty any account with XXXX. I have never received a bill, statement or demand for payment, description of time and place of services, etc. I have been turned down for a home equity loan by XXXX which is how this came to my attention. The only other negative filing on my report is XXXX 30 day late payment on a revolving account. I have repeatedly requested that all XXXX reporting companies to remove the erroneous and fraudulent filing from my reports. The only response I have received is to note that I dispute the collection action and that it will remain on my reports until XXXX XXXX. My primary remaining remedy, other that filing a lawsuit, would be to file documentation supporting my position. What documentation might that be? In other words what documentation could I be in possession of in connection with an account that I have no knowledge of?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: Yes Timely Response

2016-08-02

Rncho Domingz, CA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: We received a bill from " ERC '' ( the only identification on the bill, no other heading on the bill ) collecting on a bill from XXXX XXXX XXXX ( XXXX ). We have lived in the same house for over 30 years and have never had XXXX. The bill was for {$190.00} Called ERC, they referred me to XXXX. Quite clearly through the conversation with XXXX, this account was not associated with us, except that the first and last name of the delinquent consumer was the same as my husband. XXXX told me that I needed to file an identity theft report with the police and a notarized affidavit regarding not receiving services. In other words, a half day 's work. The entity that had stolen my husband 's identity in this scenario was ERC. While on hold, I googled the name and found an obituary for someone with the same first and last named in the correct city where the service was provided ( which the XXXX rep has disclosed ). ERCs apparent practice is to mail a bill to someone with the same name as the delinquent account in hopes that they will simply pay the bill. To me, this seems the same as " phishing '' using the USPS rather than the internet. It seems like fraud to me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2016-08-02

Brooklyn Center, MN

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

Disputed: No Timely Response

2016-08-02

Antioch, CA

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-08-02

Itasca, IL

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: In 2014 I transferred service within XXXX XXXX XXXX communications from a traditional landline/internet package to a XXXX package. I was advised by XXXX XXXX XXXX at the time that my new bill for my new package would be prorated for the number of days left in my billing cycle that I had that account and that the remaining prorated balance from my previous package would be included. I have been informed by a collections agency, ( Enhanced recovery ) that I have a balance with them for an unpaid bill from XXXX XXXX XXXX for {$61.00} for said service. When I called XXXX XXXX XXXX about this, they stated it was a final bill for a closed account. I explained that the account was not closed by me and that the service was transferred. The agent indicated that they could see I was a customer in good standing and have been since before 2014. They indicated that the balance was not transferred before the account number was changed over to the new account number for the XXXX package and that this caused the issue. They told me to call Enhanced Recovery to request the debt be removed from my credit report. They also told me that I could pay XXXX XXXX XXXX directly for the amount owed. I asked if they could provide proof that I owed them this money and they could not because it was in collections. Once I called Enhanced recovery they indicated that I could pay them for the debt but doing so would not remove the issue from my credit report. They advised that only XXXX XXXX XXXX could do that. It is not my fault that XXXX XXXX XXXX did not bill me correctly and by their own records they show that I have paid all bills fully and am in good standing. XXXX XXXX XXXX has not yet provided proof that I owe them this amount nor have the addressed that it was their billing process error that resulted in the collections action for a bill I should have and did n't ever receive.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2016-08-02

Shadle Garland, WA

Communication tactics

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

Used obscene/profane/abusive language
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2016-08-02

Ashville, OH

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: There was an account in my name through XXXX and about 5 months ago this account was resolved and XXXX put in writing to remove his account from ALL XXXX credit bureaus. XXXX did that and then now a new collection agency decides to try to get a commission check and putit right back on to my report. I spoke with XXXX XXXX on XX/XX/2016 he claimed to be a supervisor but did nothing to look into ths. He just wanted to get me off the phone and transfer the call. It took me a long time to get this resolved and now this bogus company is trying to get a pay check
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2016-08-02

TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I have been getting monthly automated calls from " ERC '' asking me to contact them about a debt at this number:XXXX with reference number : XXXX. In the past when I answered the phone call with a human voice on the other end, they would ask for an individual I have never heard of and would ask that they not call again, I have since stopped answering the call and now get a the robotic voice mail. I need this repeated calling to cease as this is not my debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2016-08-02

Carson, IA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I was contacted by ERC ( representing XXXX ). They told me that i owed them money, and since I do have collections on my credit report that I am currently making payments on, I agreed to a set of terms they laid out. After I got home, I checked my credit report and my debt with ERC had already been settled and the collection was disputed on my XXXX credit report and removed on XX/XX/2016. I called them back and they informed me that they would forward the information to XXXX and I would not be charged. I was in fact still charged on XX/XX/XXXX in the amount of {$110.00} that shows it was charged by XXXX. I have made two attempts to contact XXXX and have not been successful in resolving the issue. The financial department had me on hold for 30 minutes during my lunch hour, and I 've sent an email that I have not gotten a response to.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2016-08-01

Laurel, MS

Communication tactics

Debt collection: I do not know

Called after sent written cease of comm
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2016-08-01

Granite, MD

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

Disputed: No Timely Response

2016-07-31

Ivalee, AL

Shopping for a loan or lease

Consumer Loan: Installment loan

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

Disputed: No Timely Response

2016-07-31

FL

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 is an ID theft issue. An individual used my information to charge a large amount for XXXX. ERC at XXXX came after me, at which time I explained that they had the wrong person. I filed a police report and took other steps to correct the problem. However, my main issue with this company is that they put a negative flag on my credit report before even talking to me about the issue. Even after I spoke to the office manager named XXXX and verified this was ID theft, he refused to delete the negative report until some time in the future, This is wrong and needs to be corrected right away. I should be inocent until proven guilty..
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-07-31

Bloomington, MN

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: I have been receiving harassing and threatening telephone calls and numerous death threats from Enhanced Recovery Company representatives for a debt that do n't belong to me, I do n't owe and is the result from identity theft. The debt is from XXXX for {$530.00}. The debt is fraudulent. I am a victim of identity theft.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-07-30

Ocklawaha, FL

Cont'd attempts collect debt not owed

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

Debt was discharged in bankruptcy
Complaint: XXXX have a bill thats is 12 years old now ERC COLLITION AGENTS THEY REPORT IT AS A NEW BILL I HAVE THEM REMOVED THREE TIMES AFTER A COUPLE OF MONTHS THEY REPORT IT AS NEW AGAIN THE TIME HAS RAN OUT ON THIS WHY DO THEY DO THIS
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-07-30

Vista Del Lago, PR

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I 've been a XXXX customer for many years, I added a new phone account for my cousin. She purchased the phone plus a new number under my account. I recieved on my credit report that I owe {$110.00} and was sent to collections. I contacted XXXX, they said I 'm up to date on my payments. That I should contact the collection agency and dispute it immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-07-29

Atl, GA

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response