ERC
Consumer Complaints
There are over 7281 complaints on file for ERC. Dated between 2019-12-16 and 2013-07-26.
Complaints Page 230
2015-04-26
Main Office, VA
Disclosure verification of debt
Debt collection: Other (i.e. phone, health club, etc.)
Right to dispute notice not received
Complaint: I was contacted by this Company XXXX XXXX concerning a XXXX $ debt from XXXX. I called the company and asked them what was the statue of limitations of this debt and followed up with a mailed correspondence letter The exact same day dated XXXX/XXXX/XXXX ( attached ) I requested them to validate the debt and that I wish to deal with the original creditor Informing them that I have disputed this debt in writing within XXXX days of receipt of their dunning notice, and they must obtain verification of the debt or a copy of the judgment against me and mail these items to me at their expense in which they never did .On XXXX XXXX They reported this negative debt information from XXXX on my Credit report, and never followed up with me with any of the information my correspondence letter requested. On XXXX/XXXX/XXXX I spoke to two representatives XXXX XXXX and XXXX XXXX And I was told that they report all debt regardless if the statue of limitations has pass and their required to report based on the date they acquire the debt. They also said that they will now 4 months later send me the information I requested after they already posted their derogatory remarks on my previous perfect credit report which I worked the past XXXX years to clean up any pay and debt owed.My credit was perfect around XXXX This XXXX negative remark has prevented me from getting credit Given the fact its showing as an unpaid recent collection. this is what i wrote to them. Dear Enhanced Recovery Company , LLC, I am writing in response to your letter dated XXXX/XXXX/XXXX, ( copy enclosed ) because I do not owe what you say I owe. This is the XXXX I 've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the XXXX period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt and the date the alleged debt occurred ; * ( 2 ) the name of the creditor to whom the debt is owed ; * ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; * ( 4 ) Proof that you are licensed to collect debts in the state of Virginia Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, you can not add interest or fees except those allowedyou do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA ; Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. should you pursue a judgment without validating this debt,
Company Response: Closed with non-monetary relief
2015-04-25
Lawncrest, PA
Communication tactics
Debt collection: Credit card
Threatened to take legal action
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief
2015-04-25
Hinkley, CA
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt is not mine
Complaint: ENHANCHED RECOVERY CORPORATION XXXX SOLD ACCOCT TO THESE PEOPLE FOR CELL PHONE BILL I NEVER HAD XXXX I WAS A VICTIM OF IDENTITY THEFT IN 2011 THIS BILL IS FOR XXXX DOLLARS PLEASE HELP TAKE THIS OFF CREDIT REPORT
Company Response: Closed with non-monetary relief
2015-04-25
North Kortright, NY
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt is not mine
Complaint: Dear CFPB, I continue to be harrased and contacted by a debt collector to paid a debt that is not mine. I live on a fixed income and they continue to use unconscienable means to collect.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief
2015-04-24
Lb, CA
Improper contact or sharing of info
Debt collection: Other (i.e. phone, health club, etc.)
Contacted me after I asked not to
Complaint: ON XXXX XXXX, XXXX I SENT A LETTER TO THIS COMPANY INFORMING THEM TO VERIFY THE DEBT AND INFORMED THEM TO CEASE & DESIST. THIS FOLLOWED THE CEASE & DESIST UNTIL XXXX XXXX, XXXX WHEN I STARTED RECEIVING PHONE CALLS AGAIN. DURING THE TIME IN WHICH THEY DID NOT CONTACT XXXX WAS IN CONTACT WITH ME & I DISPUTED THE BILLS DIRECTLY WITH XXXX. WHO IGNORED MY DISPUTE. I FEEL TAT ENCHANCED RECOVERY COMPANY, LLC VIOLATED MY RIGHT 'S BY STARTING THE PHONE CALLS TO ME AGAIN. ALSO IN THAT LETTER I INFORMED THEM I DID NOT WANT TO DEAL WITH A COLLECTION AGENCY THAT I WOULD DEAL WITH THE CREDITOR DIRECTLY.
Company Response: Closed with non-monetary relief
2015-04-24
San Antonio, TX
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt was paid
Complaint: An agent of XXXX XXXX XXXX ( Enhanced Recovery Company , LLC ) place place a negative claim in my credit bureau record for an amount of {$300.00}. The negative claim resulted from the following. In XXXX 2013, I changed my XXXX XXXX XXXX home-phone service from analogue to digital and separated the billing for my wireless phone service from the billing for home phone. The combined billing account was closed as XXXX XXXX XXXX now bills me separately for UVERSE ( TV, home phone, and internet ) and wireless phone/data. Apparently, this change caused some confusion at XXXX XXXX XXXX and resulted in the XXXX XXXX XXXX claim that I still owe money under the combined billing account. I emailed the XXXX XXXX XXXX customer service to get the account straightened out, but they passed me from XXXX department to another but none of the departments has all the information needed to resolve the problem. I wrote a letter to XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2013 requesting that they assign the case to someone that can have access to all the information needed to resolve the matter. A copy of the letter and the response from XXXX XXXX XXXX dated XXXX/XXXX/2013 are attached. As you can see from the attachment, all that XXXX XXXX XXXX did was provide me a meaningless standard response. XXXX XXXX XXXX has tried several times previously to use the collections system to bully me into paying them an amount of {$300.00} that I do not owe to XXXX XXXX XXXX. I requested XXXX and each of the several collection agencies that XXXX XXXX XXXX used at different times to provide me an itemized list of what led to the debt that XXXX XXXX XXXX claims against me, but nothing was provided to me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief
2015-04-24
Mishawaka, IN
False statements or representation
Debt collection: Other (i.e. phone, health club, etc.)
Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief
2015-04-24
San Jose, CA
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
2015-04-24
Cold Spring, MA
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt is not mine
Complaint: Your office completed an ivestigation on this matter and the compnay stopped collecting the debt but they still have not removed it from all XXXX credit bureau 's.
ERC for XXXX XXXX is still on my report.
Company Response: Closed with non-monetary relief
2015-04-24
Hinkley, CA
Disclosure verification of debt
Debt collection: Other (i.e. phone, health club, etc.)
Right to dispute notice not received
Complaint: i send a letter to ENHANCED RECOVERY COMPANY to dispute the validity of alleged debt in the entirety of {$830.00} from the creditor known as XXXX for an alleged disconnected mobile service.My specific dispute with ENHANCED RECOVERY COMPANY alleged debt is based on the fact that i only have 1 month service to XXXX.I am requesting them that the following information be supplied ; a detailed description of the service for which this alleged debt is owed ; an itemized description of how the alleged debt was calculated ; and copies of document showing that i agreed to purchase any product or services to XXXX they did not send me any letter about this alleged debt i only know this when i check my credit report.
Company Response: Closed with non-monetary relief
2015-04-24
Bronx, NY
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt is not mine
Complaint: I have been looking thru my credit score and i have notice i have several different claims that am not aware or have ever open a cell phone with XXXX. and still they report that i owe them $ XXXX.iam trying to fix this so i can continue with my life and hopefully fix my credit.
Company Response: Closed with non-monetary relief
2015-04-23
Suffolk, VA
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt is not mine
Company Response: Closed with non-monetary relief
2015-04-23
NY
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt resulted from identity theft
Complaint: it was something I never opened
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief
2015-04-23
Bronx, NY
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt is not mine
Complaint: I am writing this letter to address a situation where my credit was diminished, ( I believe wrongfully ), as outlined below.
I originally started with XXXX in XX/XX/XXXX. A couple of months later, my phone was stolen and since I did n't purchase insurance, I had to wait a couple of months to purchase a new phone. When I called XXXX to activate the new phone, the representative said that given my situation she felt I would be better off switching to a pre-paid plan. I was concerned about being charged an early termination fee, but she assured me that as long as I stayed with XXXX for the duration of the original contract, I would n't be charged a termination fee. I took her advice and did as she suggested. I remained a loyal XXXX pre-paid customer through XX/XX/XXXX.
A look at my credit report lead me to find that they charged me a termination fee even though the XXXX representative said they would n't. I found that they sent it to a collections agency ( Enhanced Recovery Company ). I 've spoken to representatives at Enhanced Recovery, who told me to get XXXX to send this information. In XXXX and in XXXX XXXX different XXXX supervisors acknowledged their mistake, and promised that their XXXX Team would contact me so I could get this information to Enhanced Recovery, and get it off my credit report. Their XXXX XXXX failed to contact me both times, but this time I recorded the conversation with them. In this recording ( XX/XX/XXXX ), the Supervisor acknowledges that the previous Supervisor ( from our XXXX conversation ) sent a letter to their XXXX Team indicating that I should NOT have been charged and early termination fee because their Representative did not enter such fee into my new agreement.
I 've sent letters to both XXXX and Enhance Recovery Company, but nothing has been done to clear up my credit. I 'm a XXXX veteran who really needs help getting this problem fixed. Please help me. If you are unable, please tell me who ( in your agency ) can help.
Company Response: Closed with non-monetary relief
2015-04-23
Oxford, GA
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt was paid
Complaint: XXXX XXXX XXXX XXXX, Ga XXXX XXXX MAIL, RETURN RECEIPT REQUESTEDNO. XXXX CollectionEnhanced Recovery Company LLCXXXX XXXX, FL XXXX : XXXX or XXXX account # XXXX Dear XXXX : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act.
I am disputing this debt because I do not owe it. Rather XXXX owed me a refund. Furthermore, Please refer to my certified letter sent to XXXX and received on XXXX/XXXXXX/XX/XXXX under article # XXXX XXXX XXXX XXXX XXXX and XXXX certified letter sent to XXXX and received on XXXX/XXXXXX/XX/XXXX which XXXX failed to response and resolve the matter on timely manner.
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ).
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
Company Response: Closed with non-monetary relief
2015-04-22
San Antonio, TX
Disclosure verification of debt
Debt collection: Other (i.e. phone, health club, etc.)
Not given enough info to verify debt
Company Response: Closed with non-monetary relief
2015-04-22
Hamilton Grange, NY
Disclosure verification of debt
Debt collection: Other (i.e. phone, health club, etc.)
Not given enough info to verify debt
Company Response: Closed with non-monetary relief
2015-04-22
IL
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt resulted from identity theft
Complaint: Enhanced Recovery has reported to the CRA that I owe a debt to XXXX that was the resault of Identy theft. I reach out to them XXXX time and then went directly to the orginal creditor ... Spoke with XXXX XXXX at XXXX who has confirmed the account is cleared and has let the collection agency know that this account has been clear and any negative information should be removed from my bearus within XXXX to XXXX hours which at this point it has not been removed
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief
2015-04-22
Brooklyn, NY
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt is not mine
Complaint: A collection account from XXXX XXXX has been placed on my credit report erroneously. This account does not belong to me and I have been disputing the account for several weeks to no avail. The debt is being handled by Enhanced Recovery Company , LLC which has repeatedly provided me with incorrect information in regards to the steps to take to get the incorrect information removed from my credit report and they have not been helpful during this entire process. At this point my credit score has been affected as this incorrect information remains on my credit report.
Company Response: Closed with non-monetary relief
2015-04-22
Bremen, GA
Disclosure verification of debt
Debt collection: Other (i.e. phone, health club, etc.)
Right to dispute notice not received
Complaint: i recently obtained a copy of my XXXX and XXXX credit reports and saw that enhanced recovery had listed an negative account on both my XXXX and XXXX credit reports without sending a dunning letter. after I filed a complaint with the XXXX on XXXX XXXX, 2015 they sent a letter with a copy of bill which does not include whether they purchased the debt I specifically asked for all documents showing that they are allowed to attempt to collect and the original contract of the debt they are trying to collect to see if I actually owe this debt. They have been reporting this on my credit report since XXXX. I requested for them to remove all negative information as I do not believe I owe this debt ad they did not provide the information that I requested and they stated that they would send the credit reporting agency status as I am disputing this debt.
Company Response: Closed with non-monetary relief
2015-04-22
Mabank, TX
Disclosure verification of debt
Debt collection: Other (i.e. phone, health club, etc.)
Not disclosed as an attempt to collect
Complaint: on my XXXX credit report.i have disputed collection charge its my son they want investigate my dispute. so, i call both company and they tell me its my son account they keep leaving it on my credit report its under his social number they want take it off.and their is a creditor, i pay every month this on and they have no data for XXXX months or more they are not treating me fairly its like they can do whatever they want they in charge.
Company Response: Closed with non-monetary relief
2015-04-22
Bakersfield, CA
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt is not mine
Complaint: I have been attempting to dispute an XXXX account that is on my credit report since XXXX of this year. I disputed it because I have not had XXXX for 10 years so the fact that an ATT account was showing up on my credit report is impossible. When I received my results from the credit bureaus the results said that the credit bureaus verified that the information was accurate.
Once I received those results, I called XXXX to figure out why they were sending an account to collections when I have not done business with them for 10 years. I called their customer Service Department at XXXX XXXX XXXX XXXX and spoke with a XXXX who told me they did n't have any information on me and that I would need to call their collection department at XXXX XXXX XXXX XXXX. I did so and spoke with a XXXX. He looked up my information with my social and stated I owed {$0.00}. He then transferred me to their XXXX department to speak with a XXXX and she told me that I did at XXXX point have a collection but that it was sold many years ago and that she did n't even have any collection agency information on the account because it was so old. I asked her if the collection agency was named Enhanced Recovery Corporation and she stated that they do n't even do business with Enhanced Recovery Corporation anymore! At this point I decided to call the collection agency directly.
When I spoke to Enhanced Recovery I asked them why they were collecting this account if XXXX stated that I did n't owe any money and that they did n't do business with Enhanced Recovery. I was transferred to a Supervisor named XXXX XXXX and he informed me that they supposedly did do business with XXXX and that he would request something called XXXX to forward to me. He verified my home address and said that it would be 30 days. This conversation took place XXXX XXXX, 2015.
On XXXX XXXX 2015 I called XXXX XXXX and he said that XXXX was in fact received and that it was sent to my address and that I would be receiving it by mail. I waited until XXXX XXXX and I still did n't receive any letter so I decided to call XXXX XXXX XXXX more time to figure out what is going on and why I have n't received anything. Now I ca n't get a hold of the guy and I am being transferred from XXXX office to another and speaking with multiple representatives none of which can answer why they are still collecting this debt and credit reporting it on my report without any proof. They claim they have XXXX offices and they do n't know who I was speaking with. I have been trying to call them all day yesterday and today and they are now acting like I am the plague and wo n't give me any answers.
Because I have been dealing with this for over 3 months now I decided to investigate my options and have found out that this collection agency is in violation of a law called the Fair Debt Collection Practices Act by not validating this debt in a timely manner or removing it from my credit report. They are also committing fraud by claiming this account is verified to the XXXX credit bureaus. I am asking you to please help me with getting Enhanced Recovery to do their job right and remove this from my report. Their fraudulent placement of this account on my credit report has prevented me from buying a home and obtaining financing that I require. If this does not get resolved soon I will be suing Enhanced Recovery Corporation.
Please help me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief
2015-04-21
New Britain, CT
Disclosure verification of debt
Debt collection: Other (i.e. phone, health club, etc.)
Not given enough info to verify debt
Company Response: Closed with non-monetary relief
2015-04-21
Arlington, VA
Disclosure verification of debt
Debt collection: Other (i.e. phone, health club, etc.)
Not given enough info to verify debt
Company Response: Closed with non-monetary relief
2015-04-21
Alpha, NJ
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