ERC

Consumer Complaints

There are over 7281 complaints on file for ERC. Dated between 2019-12-16 and 2013-07-26.

Complaints Page 3

2019-11-18

San Francisco, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-17

Bronx, NY

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I had become mentally ill and sick with XXXX. I XXXX and couldn't tell what was real and what was fake. I soon lost my job and went homeless and lived in XXXX XXXX and I use all my credit cards to survive. I was homeless and XXXX for 2 years until my family found me and got me help. I been on my medicine for 2 years and finally feeling like my self again.. I am attaching documents with evidence that I was sick and have XXXX along with a handwritten letter from my XXXX. please remove off credit report. This debt is from when I was sick
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-17

Las Vegas, NV

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On XX/XX/XXXX a debt from Enchanced Recovery Soultions or Company appeared on my credit report for XXXX XXXX XXXX XXXX whatever that is, I do know I do not or have not had XXXX XXXX, it had no dates or identifying info ... but I have lived in the state I am in now for seven years and they company we use is NOT XXXX XXXX So I don't know if this is for a different person or an old debt for someone eles but it's not mine and their mistake has had severe effects on my credit. It says opened XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$630.00} {$630.00} Payment Info Original loan amount {$630.00} Balance {$630.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX please remove this immediately and do not place false invalid debts on my report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-17

Durham, NC

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: On XX/XX/2019 I contacted collection agency ERC to ask them to validate the debt they kept reporting. I have given this collection agency way past 30 days to respond and provide me with the information or proof that the account was mine. They have yet to validate this information to me. I also have the attachment of where I sent and asked this collection agency for proof.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-17

Portland, OR

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-16

Milwaukee, WI

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Checked my credit report and see an outstanding bill for {$610.00}. Also, never have done business with Enhanced Recovery Company XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-16

MS

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: First, let me give background. I am unsure of the debt and why there is an attempt to collect. I previously received information from XXXX XXXX XXXX, who provided the attached letter about the inability to validate. I want the initial communication from ERC, required under 809 ( a ) of the Fair Debt Collection Practices Act, to dispute the debt and request validation of this supposed, as a previous collection agency tried to do so and had to send that letter. Under 809 ( a ) ( 3 ) of the act, I know that the 30 days starts upon receipt of notification to dispute, not from whatever day ERC claims to have mailed it. I have not received the information, regardless of when it was mailed out, and it is on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-15

San Jacinto, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Please see attached for entire letter of fraud and fault by this collection company Thank You XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ERC ( XXXX ) XXXX XXXX XXXX XXXX, FL XXXX Toll Free : ( XXXX ) XXXX Tel : ( XXXX ) XXXX XX/XX/XXXX Re : Acct # XXXX To Whom It May Concern : I AM RESPONDING TO A COLLECTIONS ACCOUNT ON MY 3 CREDIT REPORTS. This letter is regarding a negative inaccurate account which you claim I owe your company {$280.00}. I have never entered into any payment obligation with ERC ( ENHANCED RECOVERY SYSTEMS ). The negative remark is not coming from XXXX XXXX XXXX/XXXX XXXX, but from your company. I also have no contractual obligation to ERC either. The original charge off from XXXX XXXX XXXX/XXXX XXXX, was never validated and was removed from my credit reports in XXXX as being inaccurately reported. HERE ARE THE INNACURATE AND FRAUDULENT CLAIMNS YOU HAVE MADE ABOUT ME TO THE 3 BUREUAS THAT I AM NOW REPORTING TO THE FTC, CFPB AND XXXX, XXXX AND XXXX : The date or the charge off was XXXX over 10 years ago making the original debt even if it was mine too old to report. This debt is too old and far past the statue of limitations in California to attempt to legally collect on. I have noticed you are claiming that I am in collections with you for 2 years? This is impossible as I was never mailed any info claiming this. The debt was too old even 2 years ago to have an active open collections on me I never entered into any payment, business or contractual agreement with your company You are a 3rd party debt collector, who purchased an invalid debt that was already named inaccurate by all three bureaus and previously removed from my reports. You have sent false, fraudulent statements to the bureaus and are back dating these claims for 2 years that is 48 months with 3-5 reporting errors I am now owed compensation for in accordance with the laws regulating companies like yours. The FTC, FCRA and FDCPA along with the CFPB are receiving copy of this. This is a formal notice that your erroneous claim IS now disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please provide me with the following : 1. PROOF OF PAYMENT AGREEMENT I MADE WITH YOU ERC NOT XXXX/XXXX XXXX which I have no knowledge of anyways. I want a wet ink signature between myself and your company proving I owe YOU this or any debt you have in my name. 2. What the money you say I owe is for? 3. Explain and show me how you calculated what you say I owe? 4. Provide me with copies of any papers that show I agreed to pay what you say I owe : 5. Provide a verification or copy of any judgment if applicable : 6. Identify the original creditor : 7. Prove the statute of Limitations has not expired on this account 8. Show me that you are licensed to collect in my state 9. Provide me with you license numbers and Registered Agent 10. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you 11. Provide Me The names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof TO ME. 12. Provide the documented proof that you ever gave me notice of the charge off per FCRA LAW 623 ( A ) ( 4 ), 13. Provide the actual charge off date and as stated you must in FCRA LAW 623 ( A ) ( 5 ) A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action 14. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completenesss of the information is hereby requested. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature? Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 5 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : Defamation Negligent Enablement of Identity Fraud Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My Contact Info is as follows : XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-15

Moapa, NV

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: I was informed that my information was breeched. I was advised that I should get a credit monitoring service. Then I discovered a bills with XXXX XXXX XXXX, As of XX/XX/19 I discovered ENHANCED RECOVERY CO L for amount of {$360.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-15

Waunakee, WI

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-15

Havana, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: The original creditor which is XXXX has placed this on my credit report 2years ago with a collection agency called XXXX, XXXX in XXXX I disputed the account it was investigated and removed from my reports, now XXXX it is back on my report by another collection agency by the name of Enchanced Recovery collections. If this was investigated and removed from my reports they should not be able to see it and placed on my account again this is causing a real hardship in my life. It is very stressful and it causes so much stress in people lives to have to keep dealing with this kind of head ache. I have never received any documentation from XXXX or enchanced recovery. But I do have proof that it was on my account in XXXX and did not show up on my XXXX credit report again until now XXXX. XXXX. Please have this removed off my reports immediately. I will also be filing a report with theXXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-14

MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I am the victim of identity theft pertaining to a XXXX account which was opened in my name and using my Social Security Number. The account was opened on XX/XX/XXXX and closed on XX/XX/XXXX. The account number has a total balance of {$320.00}. The services provided for this account were rendered at XXXX XXXX in XXXX, Michigan, XXXX. Sometime in XX/XX/XXXX, XXXX contacted me via mail to attempt to collect on the balance of {$320.00}. Upon receipt of this bill, I contacted XXXX to inform them that I had been the victim of identity theft. Under their instruction, I completed and submitted an ID Theft Claim Packet, which I sent to them postdated XX/XX/XXXX. In support of this packet I provided : 1 ) a copy of my government issued photo ID, issued on XX/XX/XXXX ; 2 ) a copy of a signed lease agreement for my residency ; 3 ) a signed, notarized affidavit by my landlord, attesting to my uninterrupted residence. However, I received a bill collection invoice from Enhanced Recovery Company , LLC, dated XX/XX/XXXX which seeks recovery of {$320.00}. On XX/XX/XXXX, I contacted XXXX 's Fraud Department, an agent of which informed me that due to insufficiency of evidence, my claim had been rejected and my account had been moved into collections. This occurred entirely without my knowledge, and XXXX 's agent summarily informed me that because the account had been moved into collections, they could not reopen the claim for further evaluation. XXXX unilaterally and arbitrarily moved my account into collections despite their stated policy to contact any fraud claimant within two days of receiving their ID Theft Claim Packet ; that is, XXXX did not contact me upon receiving my packet submission. XXXX 's agent freely conceded as much. XXXX now has taken the position that I need to submit an additional ID Theft Claim Packet due to insufficiency of evidence. I oppose this requirement because it imposes an additional burden on me of needless document production and postage, an unfair waste of my time and resources, and I further protest XXXX 's behavior as abusive because they moved my account into collections without providing me any opportunity to provide supplemental or clarifying evidence, which damages my credit report notwithstanding my blameless conduct in fact.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-14

Hinsdale, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: Enhanced Recovery Co LLC reported to XXXX Credit Reporting Agency that I owe {$920.00} dollars and they are collecting allegedly for XXXX. It is against FCRA to report inaccurate information to any credit bureau without proving that the account belongs to me by providing original documentation that the debt in fact in deed belongs to me. So, it is illegal and a violation. No one called me to discuss this account. It is the case of identity theft.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-14

Mabank, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Requested 2 times to verify debt company does not comply and provide ( letter attached ) Tried calling company stated I owe debt and they do not have to provide back up.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-14

Labarre, LA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-13

Columbia, SC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I have previously told this company that the debt in the amount of {$130.00} is not mine and stems from fraudulently using my personal information. The company acknowledged my claim in the past but for some reason decided to once again place this amount of {$130.00} in my credit file/report at the credit bureaus. I have never had an account or did any type of business with XXXX XXXX. I have contacted Enhanced Recovery Company to inform it that this debt is not mine, however the company refused to pay me any attention or try to help me in this situation. Additionally, this company claims that I opened this account in XX/XX/2019. Not only is there inaccurate information, but this company directly contributes to the act of identity theft that was commuted against me by placing this debt in my credits file/report at the credit bureaus. It seems as though the company re-added this debt to my credit file/report in a sneaky manner and out of the blue, thinking that I would not notice.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-13

Mill Creek, IN

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I DISPUTE THIS. On XX/XX/XXXX I received correspondence from you, ERC, regarding my paid off account with XXXX XXXX. This account was paid in full on XX/XX/XXXX. XXXX XXXX XXXX acquired the account in XXXX and authorized a payoff of {$290.00} divided into two payments ; {$140.00} paid on XX/XX/XXXX and {$140.00} paid on XX/XX/XXXX. A satisfied in full letter was sent to me, which I will attach for your records. How dare you contact me regarding this account. You are now harassing me for a debt that I do not owe. I am disappointed that you have failed to maintain reasonable procedures to comply with the law. I will state here some of the obvious violations : 15 U.S.C. 1692e ( 5 ) concerns how I construe your collection efforts as FALSE THREATS TO TAKE ACTION THAT CAN NOT LEGALLY BE TAKEN. Also, 15 U.S.C. 1692e ( 10 ) concerns your use of FALSE AND DECEPTIVE MEANS to collect this alleged debt. Based on these facts and evidence that I have in hand, should you continue to do any of the following I shall be forced to pursue litigation against your firm in a County Court local to me and will seek {$5000.00} for each infraction of the FDCPA : Continue to contact me and attempt collection Report any portion of this alleged account to my consumer credit files Make reference to or report this alleged account to anyone for any reason without my written permission
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-13

Columbia, SC

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-13

Mount Holly, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: ENHANCED RECOVERY CO : XXXX XXXX XXXX {$530.00} XXXX tO WHOM IT MAY CONCERN : I am filing this complaint due to an account that was settled in full and was supposed to be deleted and remove from my credit report for the account being settled in full.The above account was paid yet the account still remains on my credit report. This is a request for a good-faith adjustment to my credit report! my name is XXXX XXXX XXXX XXXX. I would like to buy a home but this PAID COLLECTIONS IS STILL HOLDONG ME UP!!!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-13

Georgetown, SC

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: ENHANCED RECOVERY COMPAN XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ======= Enhanced Recovery Compan Opened XX/XX/2019 - {$890.00} Original creditor : XXXX XXXX Overview You've paid off 0 % of your collection amount. Balance {$890.00} Highest Balance {$890.00} Opened XX/XX/2019 ( 8 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX ======= The date of XX/XX/2019 is absolutely absurd! This was already settled wit XXXX!!! XXXX had lied and the promises made/ statements made were false and misleading. I owe XXXX XXXX!!! If they were TRULY owed money we would already be in court. If this keeps up showing on the report as an amount due I WILL take legal action, against both the collection company as well as XXXX. I will subpoena recordings of the promises made ( XXXX records all calls ) and present bank statements to show what they lied about!! Thank you. ========= My mailing address is NOT XXXX XXXX XXXX as the PO does NOT deliver to my street. My USPS address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SC XXXX. XXXX XXXX is a remote address. We JUST got electricity about a year ago!!!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-13

Fort Stockton, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Within the last week I contacted ERC to pay the my debt and ask for a letter of deletion. I was told that they were not able to give me a letter and to contact XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and spoke to a man to pay my debt and he said he would be able to give me a letter of deletion so I paid the debt and after that I was transferred to another person. They said I would be able to get a letter from an XXXX XXXX XXXX store, so I went there and was told Im not able to get a letter. So I called back to XXXX XXXX XXXX and was told I need to contact ERC, because they sold the debt to them and XXXX XXXX XXXX does not deal with creditors. So I called ERC back and they told be XXXX XXXX XXXX should send me a letter since I paid them, and ERC will only give me a statement saying my debt was paid. Called XXXX XXXX XXXX and asked to speak with a supervisor and was told they do not have a direct line to a supervisor and could not give me a phone number to call.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-13

Bel Nor, MO

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-13

NJ

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened to arrest you or take you to jail if you do not pay
Complaint: On XX/XX/2019 i received a phone call asking me to pay a debt for a cable bill that i never had. I ask if they can state my whole name and my address. The customer service rep would not answer my question. The customer service rep was very rude telling me that they were going to take legal actions for the amount of {$340.00}. I continue to ask to provide any information and the rep would not. This is un professional and i need proof of this account. I have NO KNOWLEDGE!.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-13

Vega, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-12

Chicago Heights, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response


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