ERC

2015-10-07

Butte Creek, 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 can't verify or dispute the facts in the complaint Closed with explanation

Disputed: No Timely Response

2015-10-06

Pasadena, 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

2015-10-06

WI

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: XXXX continues to send fraudulent debt charges to a new debt collector. I severed my service after working with their c/s to improve service outages, dropped calls and roaming when I was local. I worked with them by using new phones and repeater antenna. None of their failed solutions were successful so I was released by them from my service. I was not under contract any longer. I returned all phones, and paid my last bill. They are charging me for returned phones and service long after I had ported my phone numbers. I have contacted them, and each of the debt collectors by phone and in writing. They continue to harass and lie about the charges.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-10-06

Grassy, MO

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: When running my credit report to refinance our home it showed I had a bill to XXXX I owed in 2010 that was never paid. I never signed up for service or gave them consent for service and now this is affecting my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-10-05

Clinton Township, MI

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

2015-10-05

AZ

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: ERC is forum shopping and using an address not on file for me since XX/XX/XXXX to collect on a debt that was paid back in XX/XX/XXXX. My account was opened with a XXXX address yet ERC purposely chose an address which has not been used for 30 years in anticipation that I would not be able to dispute it long distance. Fortunately, my parents forwarded my mail where I intercepted this communication.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-10-04

Spfld, OH

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Company disputes the facts presented in the complaint Closed with non-monetary relief

Disputed: Yes Timely Response

2015-10-02

Birmingham, AL

Cont'd attempts collect debt not owed

Debt collection: I do not know

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

2015-10-02

Phila, 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: Yes Timely Response

2015-10-01

Manhattan, NY

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 with non-monetary relief

Disputed: No Timely Response

2015-10-01

Bertha, MN

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

2015-10-01

Wallington, NJ

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I am being wrongfully charged {$200.00} from this collection agency on behalf of XXXX. I have spoken to XXXX and they have no recollection of this account. It appears someone is opening accounts without my knowledge. This account is on my credit report and affecting my credit score, I am requesting it be removed as this is NOT my account. I have never opened an account with this company and do not owe them money. I am being charged {$200.00} through the collection agency ENHANCED RECOVERY COMPANYXXXX XXXX XXXX, XXXX ( XXXX ) XXXX have tried contacting this agency to no avail.. I did not receive any notices until I checked my credit and saw this charge on it.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-09-30

Rancho California, 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

2015-09-30

Hinkley, CA

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: Enchanced Recovery is violating the Fair Credit Reporting Act. I had an account with XXXX XXXX XXXX back in XX/XX/XXXX. I had an issue with XXXX XXXX. They were supposed to make a website for my business and never completed the task. I disputed this in XX/XX/XXXX through XX/XX/XXXX. Enhanced Recovery bought the debt and despite many requests have never validated the debt with us. Now they continue to report the debt even though they can not prove we owe it and it is past 7 years FCRA rules.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-09-30

Primm Springs, TN

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: i, let my family member get service with XXXX several years ago. they ran up a bill .i did n't know until collection agency sent letter .after the second XXXX i payed a settlement. now the third XXXX wants more money.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-09-29

Bedford, TX

Disclosure verification of debt

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

Right to dispute notice not received
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-09-29

Patterson, MD

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: A breach of a debt collector, for XXXX account, which never existed in the manner presented. It has affected me a great deal, by delaying mortgage loan process closing down on my first home loan on XXXX/XXXX/15. I was devastated about the action by the third party I have never heard before. I had not received any statement of collections from them about this debt. I had not receive any notice from this third party ( Enhanced Recovery Company ) prior, but they sent the debt to the credit agencies which it apparently stopped the home closing. I sent a letter of protest on XXXX/XXXX/15 to ( Enhanced Recovery Company ) the third party agency collecting for XXXX. XXXX This Saturday XXXX/XXXX/15 was the first time receiving a letter from ( ERC ) about this account collection via XXXX. I had sent them protest notice on XXXX/XXXX/15, but the debt had already reported to all credit agencies before notifying me. This is against consumer right & protectionI will like to pursue legal action against Enhanced Recovery Company and XXXX. Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-09-29

FL

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: This little {$36.00} bill was paid in full to XXXX They made me pay it before I could get new service and that was years ago. I dont know why this is still on my credit report
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: No Timely Response

2015-09-29

Cucamonga, 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 with non-monetary relief

Disputed: Yes Timely Response

2015-09-29

Ogden, UT

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I filed a complaint against Enhanced Recovery Corp on XXXX XXXX because ERC violated the Fair Debt Collection Practices Act by failing to send me notice as required by the law before putting this account on my credit report. Your case no. is XXXX. ERC 's response to you was as follows : " As a result of this complaint, ERC has updated the account as a disputed item and placed it in an investigatory status to prevent any further collection efforts. In acknowledgement of the dispute, we have requested the account be removed from all credit reporting agencies. Please allow up to 45 days for the credit reporting agencies to process our request. '' I called ERC on XXXX XXXX to confirm that a request had been submitted. XXXX XXXX XXXX (? ) of the Compliance Dept admitted to me on the XXXX that no such request had been sent ; that it would be sent on XXXX XXXX. I called XXXX and asked how the request would be processed and was told that the computer would automatically delete the account with no human processing required. I called all XXXX bureaus on Monday and the account had not been deleted. I called all XXXX bureaus today the XXXX and the account has not been deleted and they told me that no such request was received. I called ERC this morning and was told it sent the request electronically on the XXXX. ERC 's response to CFPB was that it had already sent the deletion request by the XXXX. It also lied to me because it told me it would actually send it on the XXXX. Since the account has not been deleted from any of the bureaus, it means the bureaus have not received such a request. So, as of XXXX XXXX, no such deletion was sent or completed. When I called ERC this morning it told me to wait 45 days. ERC knows as well as I do that if I had filed a dispute with the CB 's it would take 30 days to be investigated. That is not how a request for deletion is handled by the CB 's. ERC has not only been dishonest with me and you, it continues to break the law by leaving it on my report because the courts have ruled that putting that entry on my report constitutes collection activity which is not allowed once the account is disputed. This company operates in blatant disregard for the law.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with non-monetary relief

Disputed: No Timely Response

2015-09-29

Brooklyn, NY

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Hello, I have attempted to dispute the account the collection agencies who have taken an account to collections with XXXX credit bureaus in the amount of {$610.00}. The debt does not belong to me, I have attempted to speak to them and have them validate the debt in writing and I have sent XXXX letters of validation to which I have receipts for and they have failed to respond to. Not only is it XXXX company disputing the same debt in collection but it 's XXXX different companies disputing it in different credit bureaus. I will be filling separate complaints to both companies. I am reaching out of your help because as a last resort before I reach out to my attorney. Please help me and I appreciate your time.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: Yes Timely Response

2015-09-28

Palos Park, IL

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: XXXX XXXX XXXX has been my Cellular Carrier for about 20 years. I 've always made every payment on time. I had their sister Company, XXXX XXXX, for awhile and due to problems, had to have it disconnected. During the time I had XXXX, it was combined-billing with my XXXX XXXX XXXX Cellphone Service. Sometime after cancelling XXXX, I began receiving notices from various Collection Agencies that I still owed XXXX XXXX XXXX for their Services. I contacted both XXXX XXXX XXXX and XXXX XXXX Customer Service, and they XXXX told me they showed no outstanding Debt on my Accounts. XXXX XXXX XXXX continues to harass me via XXXX Collection Agency after another, yet can not provide any proof of exactly when, where, and what the outstanding debt they claim I owe is for. The latest harassment is from a company called ERC, address is a XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I believe it is illegal to operate a XXXX XXXX XXXX out of a XXXX XXXX XXXX, a violation of Federal Law. XXXX claims that my debt owed is {$84.00}, for XXXX XXXX XXXX Account XXXX XXXX, which is not my current account number, although I have had uninturrupted Cellphone service from XXXX XXXX XXXX for approximately 20 years now. ERC Collections Reference Number being XXXX on their latest letter to me.. I have had about XXXX Collection Agencies over the years, hounding me for this money, and every time I contact them and explain that XXXX XXXX XXXX has verified with me by phone calls to their Collections that I owe no money, the Collection just gets sent to another different Collection Agency who begins the harrassing letter process over again. I have responded to these Agencies in writing several times, refusing to pay anything, based upon my conversations with XXXX XXXX XXXX and XXXX XXXX both stating that I owe nothing. This continuing harassment for no proven valid reason has damaged my Credit Rating, and at this time I request followup investigation, and notification to XXXX XXXX XXXX and all Collection Agencies past, present and future involved, that this is a Complaint for unjust harassment without substantive proof, and that they are to immediately sease and decist, and that I am entitled to any and all reparations under the Law for their conduct towards me, and for the continued non-stop harassment that I have encountered over the years, due to these Companies falsely accusing me of oweing money without any substantive proof of such, and despite my repeated phone calls and letters to these Companies, who have XXXX agreed verbally that I owe them no debt, but have failed to remove me from Collection Agencies rolls,, promptly and properly, per all Laws XXXX State and Federal. Further, I request that all resulting correspondence of any nature be addressed to me in writing and sent to me, and that it contain a name, department, and phone number of any employee seeking any information relative to, and or pertaining to, any aspect of this entire matter. I also request a receipt of confirmation in writing, for this complaint I am hereby filing.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-09-28

Silver Spring, MD

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: XXXX, which i am a curent customer in good standing had a billinng glitch when we moved to our new house 4 years ago. we eventually paid it but ever so often it pops up that we are delinquent.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-09-28

El Paso, TX

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I received a collection notice from ERC XXXX Enhanced Recovery Company ) in XXXX, FL, and it appears that XXXX is billing me {$260.00} for a service I never received. In XXXX 2014, I ordered internet service from XXXX XXXX and they set up an installation appointment. No one ever came out to my residence to install XXXX XXXX internet service. I waited three weeks after the installation appointment thinking they would call me to reschedule ; however, they never called so I called them and XXXX of their sales agents told me they did n't even have service in XXXX XXXX, Texas, and that they would cancel the order. The original sales agent never told me they did n't have service in XXXX XXXX, Texas. Just to summarize, I never received any type of service from XXXX and I have a collection agency called ERC trying to collect a debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-09-27

MS

False statements or representation

Debt collection: I do not know

Impersonated an attorney or official
Complaint: Repeatedly contacted to collect debt but wo n't give sufficient details of creditor or matter pertaining to
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response