ERC
Consumer Complaints
There are over 7281 complaints on file for ERC. Dated between 2019-12-16 and 2013-07-26.
Complaints Page 45
2019-01-16
Houston, TX
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: 15 U.S. Code 1692g states that : a ) Notice of debt ; contentsWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I didn't receive this notification and this debt is not owed. I don't have a contract with the creditor.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-16
South Colby, WA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: Applied for a credit card, was denied. Checked credit on XXXX and found " XXXX XXXX XXXX ' for XXXX XXXX in the amount of {$350.00}. I had an account with XXXX in XX/XX/2007 - but it was closed.
I have no idea what these people want after 11 years.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-15
Canton, GA
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
2019-01-14
Oxford, GA
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: On XX/XX/XXXX I cancelled mobile phone services with XXXX and ported my phone numbers over to XXXX XXXX. XXXX informed me that my mobile devices would need to be returned and if not fee associated with the devices will be added to the final statement. XXXX also stated that they would be sending postage boxes for the return of the devices. My state came from XXXX in XXXX which reflected the fees associated with non-return of the devices. We received the postage boxes from XXXX at the end of XX/XX/XXXX and returned the devices. XXXX send a statement in XXXX which reflected that the devices were still no received and an associated fee was added. We contacted XXXX who confirmed that the devices had been returned and that an updated final statement would be sent to our address of XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX. We waited approximately two months but no bill came. We contacted XXXX who stated that they sent a bill but when they confirmed the address they forgot the apartment number. The address was updated and XXXX state another bill would be processed. They requested that we go into a XXXX store which I did and they were unable to assist me in locating my account be my account was over 200 days old and was in an internal collection status. I attempted to log into my online portal for XXXX and it would not provide me a copy of the bill and it just stated that I owe a balance of {$1700.00} which was the previous balance with device fees. I contacted XXXX again in XXXX to request and itemized statement and again they stated that it would be mailed. After waiting 30 days I called XXXX again because I did not get a bill and I was informed that they could not find my account and stated that a statement was sent to my address. Again XXXX had the incorrect address and it had to be updated again so that the statement could be sent again. While waiting on the statement I received a phone call from a third party collection agency who stated that XXXX contracted them to collect on the account. I explained the situation and all collection efforts were stopped. I contacted XXXX to inquire about the bill at which time no request was found for a final statement to mailed. XXXX them made another ticket order to get my statement to me and halted all collection efforts. On XX/XX/XXXX I received a phone call from XXXX and when I picked up no one answered and the caller hung up. I called the number back and was transferred to ERC Collections who stated that XXXX has contracted them to collect on my account. I attempted to explain to them the situation and they stated that they were the legal owners of the account and payment would need to be made. I requested validation and made a dispute for the total balance due. I also asked that all collections effort cease until they can confirm with XXXX whats going on with the account but they did not want to assist and demanded payment. I contacted XXXX internal collections on XX/XX/XXXX at approximately XXXX hrs and spoke with XXXX who at first stated my balance was XXXX and then stated that she saw additional charges which raised the balance to XXXX. I made another request for an itemized statement which was granted and I was provided the Interaction Number # XXXX. She confirmed my address and observed that the address on field was missing the apartment number which could have been the reason why I did not get the statement from the previous request. I also confirmed with XXXX that XXXX was still the legal owner of the account and the ERC was on contracted to collect on the account. I was then instructed by XXXX to reach out to ERC and informed them of the status of the account and the account statement. I reached back out to ERC and informed them that XXXX is working on updating the the final statement and providing me with and itemized statement. ERC stated that the account was in a dispute and has been returned to XXXX for review.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-14
Stevenson, MD
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: Enhanced Recovery is reporting a debt for XXXX on my credit report. At the time that they said the debt incurred I was XXXX years old and you are not able to sign a contract or open a cell phone account at the age of XXXX. The removed it off my credit report, and now they added it back on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-14
San Antonio, TX
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX I requested a validation on XX/XX/XXXX as there was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me.Therefore on XX/XX/XXXX I sent a direct dispute to XXXX XXXX/XXXX requesting that account be removed from my profile as the creditor failed to validate the account in a timely manner. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally attempt to collect on this account and this account continues to negatively affect me.
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation
2019-01-13
Grandview, MO
Credit monitoring or identity theft protection services
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Billing dispute for services
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-13
Jurupa Valley, CA
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
2019-01-13
Guadalupe, AZ
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-13
Atl, GA
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
2019-01-12
Columbus, OH
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: XXXX XXXX XXXX # XXXX****The reason for my dispute is XXXX XXXX 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, XXXX XXXX XXXX XXXX .
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 ) XXXX XXXX XXXX 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. XXXX XXXX XXXXis held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX XXXX XXXX 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. XXXX XXXX XXXX. 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
2019-01-11
Arvada, CO
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened or suggested your credit would be damaged
Complaint: On Monday XX/XX/2019 I received a phone call from erc about a XXXX bill that I do owe. when I told them there is no way I could come up with {$1000.00} at the moment a collector and a supervisor by the name of XXXX threatened to report the account to my credit if I did not pay them by the XXXX of XX/XX/2019. when I asked about how their credit reporting works and how often they reported to the credit bureaus they neve answered my question and instead kept telling me that they were going to report to my credit because I could not pay. then on XX/XX/XXXX-XX/XX/XXXX of 2019 I received harassing phone calls 5 times in 2 days with 4 voice mails and no message left on the voicemails just back ground noise.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-11
Saint Paul, MN
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: When I started working on my credit in XX/XX/XXXX I had a debt listed on my report from a company called XXXX for a XXXX bill in the amount of XXXX. I disputed this debt as it did not belong to me and was listed under a name I had never gone by, XXXX XXXX ( my maiden last name is XXXX ). XXXX was unable to verify this debt and it was eventually removed from my credit report. on XX/XX/XXXX I received a credit notification that I had a collection added to my report. The debt was from XXXX XXXX XXXX for this XXXX bill that I mentioned above. The issue here is 1 ) I never received anything in writing from XXXX XXXX regarding this debt, therefore I was not given the chance to request validation or dispute this debt. 2 ) I was not notified by either XXXX or XXXX regarding this debt being reinserted into my credit file, therefore it was illegally reinserted. I disputed this debt with XXXX and XXXX already and both came back verified as accurate. This debt does not belong to me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-11
Belleville, IL
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
2019-01-10
El Sobrante, CA
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
2019-01-09
Francisville, KY
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
2019-01-09
Shreveport, LA
Took or threatened to take negative or legal action
Debt collection: I do not know
Threatened or suggested your credit would be damaged
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2019-01-09
Tylertown, MS
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
2019-01-09
WI
Communication tactics
Debt collection: Other debt
Used obscene, profane, or other abusive language
Complaint: Received call from ERC in Minnesota at XXXX at XXXX XXXX on XX/XX/2019. Individual 's name was XXXX XXXX (? ). Asked me to verify my address. I told him I would not verify my address until I understood why he was calling. He asked me again with a threatening tone, and I refused again, and repeated this until he asked me if " I was scared to give out my address - it was public information '', at which point I hung up. I called the main ERC number and was able to resolve the issue and find out with what company I owed the debt ( XXXX XXXX ) and for how much {$26.00}. XXXX 's behavior was extremely inappropriate.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2019-01-08
Killeen, TX
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
2019-01-08
Houston, 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
2019-01-08
Granada Hills, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-08
Granada Hills, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-07
Library, PA
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
2019-01-07
Blanchard, LA
Took or threatened to take negative or legal action
Debt collection: I do not know
Threatened or suggested your credit would be damaged
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation