ERC
Consumer Complaints
There are over 7281 complaints on file for ERC. Dated between 2019-12-16 and 2013-07-26.
Complaints Page 37
2019-03-11
Anniston, AL
Written notification about debt
Debt collection: Credit card debt
Didn't receive notice of right to dispute
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-11
Garrett Park, MD
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: The company accepted a reduced settlement over 2 years ago, then last year sent another reduced settlement notice. They told me at that time they would cease collection. Then this year a new company sent a notice to collect the remaining balance. Therefore, the first company send this paid debt to a new agency for collection.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-10
Lockport, NY
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2019-03-10
Kansas City, MO
Attempts to collect debt not owed
Debt collection: I do not know
Debt was already discharged in bankruptcy and is no longer owed
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-10
Jamaica, NY
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-09
Tulsa, OK
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-09
Grassy, MO
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: The enhanced recovery company has reported an account for sprint to my credit report that was previously disputed and removed from my report by diversified consultants XX/XX/2018, that company was not able to provide proof of the debt owed and after failing to provide information proving the debt was owed deleted debit closed account and deleted it which is required.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-09
Lewisville, TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I have no knowledge of this debt so I asked the company to provide factual information that it was my debt. They sent a letter of a bill with my name and a address I have never lived at ( which is enclosed ). I never recieved any signed contract with my signature stating I ever was with XXXX or owe ERC? The paperwork has an accurate address during time they say I supposed to have had this account and no signed contract? I would like this removed from my account immediately as this does not belong to me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-09
Columbus, OH
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: To Whom It May Concern, The reason for my dispute is ENHANCED RECOVERY COMPANY # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ENHANCED RECOVERY COMPANY failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) ENHANCED RECOVERY COMPANY failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. ENHANCED RECOVERY COMPANY is held liable as well for defamation and in the state of OHIO a creditor is who collects on a debt is considered a debt collector under 1319.12 Taking assignment of debts. Sec C Subsection ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where ENHANCED RECOVERY COMPANY is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report ENHANCED RECOVERY COMPANY has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-09
Dallas, 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
2019-03-09
Beachwood, OH
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-09
KY
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: I previously had phone service with XXXX XXXX. My bill was set up on auto-pay and was taken directly from my account each month. I switched phone carriers, which resulted in a final bill, which was paid automatically on XX/XX/XXXX. I have attached documentation to reflect this information ( my XXXX account was under a previous last name of mine ).
For some reason, XXXX has repeatedly placed the amount for this final bill ( {$1000.00} ) with multiple third party collection agencies/attorney firms. I have disputed this several times and have even received confirmation that the dispute was closed in my favor. I requested a full validation of debt from the last agency that contacted me in regards to this. I received that validation of debt documentation on XX/XX/XXXX. This documentation clearly shows my final bill and the corresponding payment, reflecting a XXXX balance owed. Not only is this causing unnecessary stress, it is now negatively impacting me. I was recently denied credit because this is reflecting on my credit report and I also had to accept a car loan with a much higher interest rate than I feel I would have qualified for. I responsibly pay all of my bills through auto-pay because I care very much about my credit rating. I am very upset that this is impacting me so negatively and I was actually really embarrassed during the car buying process when this came up. I do not know what I need to do to get it resolved.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-08
Jefferson, OK
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-08
Key Biscayne, FL
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Complaint: I've tried numerous times to settle a debt with ERC ( XXXX XXXX XXXX XXXX, FL XXXX ). They don't seem to want to accept a settlement agreement. They're more interested in getting my credit card information. We agreed on a settlement fee of {$100.00}, but they tried charging a {$12.00} convenience fee which increases the settlement amount. I'm trying my best to make this go away, but every time I call they transfer me to 4 or 5 different people and say that only certain people can help me and then they try to include service charges and fees. Do they want to settle or not? I think not. This is not fair.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-08
Sun City, AZ
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2019-03-07
Laurence Harbor, NJ
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-07
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-07
Soquel, CA
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened or suggested your credit would be damaged
Complaint: I received letter from following Debt Collection Agency : ERC, P.O Box XXXX, XXXX, FL XXXX ( reference number XXXX, dated XX/XX/XXXX ).
The debt collection agency reported amount of {$100.00} with original creditor as " XXXX ''.
On XX/XX/XXXX, XXXX credit reporting agency alerted that a new account was opened in my credit file with following information : Address : PO BOX XXXX, XXXX, FL, XXXX Account Balance : {$100.00} Account Number : XXXX Creditor Name : ENHANCED RECOVERY COMPAN Industry Type : Other Collection Agencies I don't know who " XXXX '' refers to. I sent the Debt Collector ERC a letter asking for validation along with proof and request to produce written contract with original creditor to said amount on XX/XX/XXXX.
The debt collector ( ERC ) has reported to XXXX before 30 days period and before receiving my letter to them requesting validation.
If " XXXX '' refers to XXXX Corporation headquartered in XXXX XXXX, Kansas providing cellular phone and other telecommunication services, I have not been its customer since mid-XX/XX/XXXX. I had a dispute with it in XX/XX/XXXXabout services provide, my termination of the services and amount owed. Other collection agency had reported the disputed to debt to credit reporting agencies and I had it removed from credit reports by filing dispute with credit report agencies.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-07
Casper, WY
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-06
Salem, OR
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-06
Rayford, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-05
Phila, PA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-05
Una, SC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Complaint: My XXXX account was closed in XX/XX/XXXX they are reporting that I just opened the account in XX/XX/XXXX. Called collectors they informed me they are reporting it that way because that is when they obtained the debt and thats unfair. XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-05
Ashwaubenon, WI
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-05
Sanders, KY
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened or suggested your credit would be damaged
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation