ERC

2016-06-28

Washington, DC

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: My home was burgled in XXXX XXXX. Subsequently, XXXX credits cards were opened in mine and my wife 's name, most of which we have been able to dismiss at this time. However, a XXXX XXXX account was also opened in our name, and {$390.00} was charged to my account without my knowledge. In XXXX XXXX, I received a collections notice for this amount. I submitted an affidavit that my identity had been stolen, and I had not opened this account. I heard nothing about this account since, but received yet another collections notice in XXXX XXXX without hearing anything about my initial affidavit. I have tried calling XXXX XXXX multiple times, but get shuffled between Customer Solutions and Payment solutions, with no one taking ownership of a solution.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-06-28

Weston, CT

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: While attempting to buy a car XX/XX/2014, I discovered ERC was the only negative item on my credit report. Called ERC to find out who they were, they said they collected for XXXX. They told me if I paid the amount, they would remove the account from my credit report and I could buy the car. I paid because I needed to buy the car right away, not because I agreed that I owed the debt. I dispute owing the debt to XXXX because I had the account for several years prior and did not terminate any agreement early. However, ERC still remains on my credit report as a collections account, lowering my scores and preventing me from getting a mortgage and a new car at an affordable interest rate.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-06-28

IA

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: I am a victim of identity theft and someone stole and used my personal information to open an unauthorized and fraudulent account with XXXX. I been receiving harassing and threatening telephone calls and death threats from Enhanced Recovery Company representatives.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-06-27

Gilbert, AZ

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

2016-06-27

Ft Belvoir, VA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I was contacted about a debt related to a XXXX account some time ago by ERC. I called them back and spoke with a representative who after taking down my name and address and asking a few other questions determined the debt was not mine because I had never lived at the address that was associated with the debt. He also told me that they were reaching out to every XXXX XXXX and I was the only one that had responded up to that point. He told me that he would disassociate the debt with me. Within the last month, I ran a credit report and saw that this debt collection was on my report so I filed a dispute. XXXX said the debt was associated with me and told me to contact the debt collector. When I contacted ERC, they told me the debt was mine and that the address associated with the debt was my current address. My complaint has XXXX parts. First, the debt is not mine and I would like it removed from my record. Second, I am reporting ERC for requesting my address and then associating it with the debt account after telling me that the debt was not mine. The address which was originally associated when I was first contacted is not the address they now are saying it is. If I had not given them my current address the address on the debt would not show my current address.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2016-06-27

Key Biscayne, FL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: They continue to harass me with automated calls despite having told them they have reached the wrong person.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2016-06-27

Missouri City, TX

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

2016-06-24

Brookside, NJ

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2016-06-24

Lexington, KY

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 with non-monetary relief

Disputed: No Timely Response

2016-06-23

Oceanside, CA

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

Disputed: No Timely Response

2016-06-23

Salton City, CA

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: {$410.00} is the amount that the collection agency with the business name of ERC is currently trying to collect from me. I do not agree with that amount, for XXXX wrongfully biilled my family for early termination of mobile phone contract fee of {$200.00}, which we refused to pay, and now the amount is {$400.00}. When i called ERC they failed to disclose where the other {$210.00} in debt originated from. I think it is necessary to get the documentation showing that they are the appointed collection agency that is collecting on behalf of XXXX, and to disclose documentiation to me that shows what attributes to the {$410.00} in debt, for what I understand is that only {$200.00} should have been billed for the early termination fee of contract, and not {$410.00}. Can you contact the collection agency and explain to them that they need to show. 1. proof of having the right to practice as a collection agency in california , i would like to see this 2. proof of the debt that they now are collecting from XXXX, a document stating the amount that I owe and what i am being billed for Without these documents I refuse to pay any money to ERC. Please let them know if they do not show proof, they need to delete the debt from my credit report. Thank you. COLLECTION AGENCY NAME AND ADDRESS ERC XXXX FL | XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-06-22

Sacramento, CA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2016-06-22

Hootenville, LA

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

2016-06-22

Roswell, NM

Communication tactics

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

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

Disputed: No Timely Response

2016-06-21

Long Beach, 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 with non-monetary relief

Disputed: No Timely Response

2016-06-21

Columbus, OH

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I have a a unverified account from ENHANCED RECOVERY COMPANY # XXXX. I had previously disputed this account. I have never done business with ENHANCED RECOVERY COMPANY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt ENHANCED RECOVERY COMPANY purport I owe. I request that ENHANCED RECOVERY COMPANY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-06-21

IN

Disclosure verification of debt

Debt collection: Medical

Not disclosed as an attempt to collect
Complaint: XXXX. I never received any notification regarding a medical bill that I do n't remember not paying. I would like to get a copy of this bill showing my name and date of appointment. I also would like to know the reason this bill was send to collection without my knowledge. This account just show up on my credit recently the last week he was never reported before, so I assume that it 's a mistake and I request this to be removed from my credit. I getting phone call from collection I never get before with treat and harassment from this company
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-06-21

Arco, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I receive nearly-daily robocalls from ERC debt collection agency, claiming that they need to discuss some debt I owe. In actual fact I owe no one any debt, and no debt that I may have owed has been reerred to any collection agent. Nevertheless, the calls continue.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2016-06-20

TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: this company keeps calling my home number asking for me. then ask for my personal information which i will not give out. they claim i owe a debt and i do not owe anyone or company anything. then they hang up in the middle of me talking which is very rude but yet continue to call my home when i have asked them to stop.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2016-06-20

W Chester, PA

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

2016-06-19

Palos Park, IL

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: A letter was sent from ERC to an old address of mine claiming I owe money for a debt to XXXX. I have never had a XXXX account and never owed them any money, nor have I ever been sent any bill by XXXX, even at this old address. So I suspect ERC or someone else is committing fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: Yes Timely Response

2016-06-19

IA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I had an account with XXXX activated om XXXX/XXXX/XXXX and discontinued my service on XXXX/XXXX/XXXX due to bad coverage while driving over the road as a delivery driver. I received a final bill from them on XXXX/XXXX/XXXX for the amount of {$550.00} owed. My spouse made 12 payments toward this amount, XXXX checks and XXXX XXXX 's from our joint account totaling {$590.00} directly to XXXX. However, XXXX had sent account to a collection agency after 1st two payments had been received from us bringing our total to {$400.00} ERC then tacked on a collection fee of {$100.00} bringing total to {$500.00}, XXXX received another payment from us and forwarded it to ERC and ERC shows that {$50.00} payment deducted from the account bringing ending balance to {$450.00}. XX/XX/XXXX we made a payment of {$220.00} to ERC in order to get a VA loan for a home and needed to do this to get loan approved. ERC has failed to credit this account for the payment received and new balance should now be {$220.00} ( Please refer to Case Number XXXX response dated XXXX/XXXX/XXXX ). If XXXX reimburses me the amount of $ XXXXoverpaid to them and not credited to payment of this debt. I am willing to make this final payment of {$220.00} to ERC to finalize this account and stop collection on a debt that clearly has been paid to XXXX in full plus another {$48.00} extra. I would like to know why XXXX has taken the payments from us and not credited our account like a decent company should be doing? I also would like to know why ERC is also taking money received towards payment of a debt and not crediting that towards a persons account? This makes both companies look bad and may reflect a bad influence towards present and/or future clients.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-06-18

Fountain Valley, CA

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 with non-monetary relief

Disputed: No Timely Response

2016-06-17

Oakland, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

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

2016-06-17

Brentwood, TN

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response