ERC
Consumer Complaints
There are over 7281 complaints on file for ERC. Dated between 2019-12-16 and 2013-07-26.
Complaints Page 90
2018-02-19
Knoxville, TN
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
2018-02-19
South Florida, FL
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: I XXXX XXXX, used to have a internet service account with XXXX. I thought I had settled my account back in XXXX of XXXX. I paid the outstanding balance off using a gift card and made note of the confirmation number the XXXX agent gave me. Confirmation number XXXX. After that call ended I placed the remaining balance out of sight and out of mind. After that account was settled I never heard from XXXX ever again. I received a credit alert today XX/XX/XXXX from my XXXX monitoring account stating a recent debt collection was added on my credit report. When I contacted XXXX XXXX XXXX XXXX ( XXXX ) XXXX, the agent rep who first attended my call was rude and did not allow me to plead my case. I remained calm and asked to speak to a supervisor XXXX who was more rude and uncouth.I stated to XXXX XXXX that I had never received a letter from the Company and never have I spoken to any of there agents. When I asked for date and time the Supervisor XXXX failed to give me the information. The supervisor told me get a subpoena if I wanted those details. The collection amount is {$140.00}, after my failed attempt to resolve, I reached out to XXXX and explained the issue. XXXX is pulling my call from XX/XX/XXXX to assist to see what they can due on there end. How is someone supposed to resolve a debt they aren't even aware of it. XXXX did confirm the amount of the debt is {$100.00} dollars and not {$140.00}. Please assist us, as the account should not be reporting and this negatively affecting our credit. The company never gave us a fair chance and an opportunity to resolve.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2018-02-19
Union City, GA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-02-18
Woodstock, GA
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
2018-02-18
Las Vegas, NV
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: ERC had been contacted along with their client ( XXXX ) on numerous occasions in attempt to resolve this issue, but my efforts have been all but ignored and this false negative report is and has prevented me from getting the needed credit and FICO score to obtain any new credit for me personally or my business. Now this is and has been leading to ongoing losses in my business and personal life.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-02-17
Oxford, GA
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened or suggested your credit would be damaged
Complaint: This is a charge that XXXX XXXX charged me after I had cancelled my service and returned their cable equipment. This charge had already been disputed in 2015 and was removed from my credit report. This company XXXX XXXX XXXX ( ERC ) has posted this same charge again on my credit report twice this year. This has damaged my credit rating and I have been denied credit due to this collection status on my account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-02-17
Houston, TX
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
2018-02-17
Menifee, CA
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
2018-02-17
Scottsdale, AZ
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I received a letter addressed to just " XXXX '' XXXX from a collection agency, ERC, representing XXXX XXXX/XXXX XXXX XXXX/XXXX. I do not recognize any of this account information listed on the letter.
The letter stated a debt was owed in the amount of {$700.00}, and stated it would accept a settlement of {$420.00}.
Prior to receiving this letter, this debt appeared on my credit report and my credit scores dropped by more than 100 points. When I disputed it with XXXX and XXXX, it was removed within 24 hours. More than a month later I received the letter and discovered it was reported to XXXX as well. I disputed it there and it was removed promptly as well.
This letter was sent via regular US Mail and there is language in the letter stating that if I do not act within 30 days of receipt, I will be liable for the debt.
I am certain this letter is fraudulent. Will I be liable if I do not act on this? Thanks.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-02-17
Juniper Hills, CA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was already discharged in bankruptcy and is no longer owed
Complaint: There was an old account which was paid in full during the time I had services with XXXX XXXX XXXX that for some reason was purchased by several collection agencies over the course of 7 years and I am not responsible for these charges. I have contacted each collector yet no one has sent me any information concerning this account. The last payment I paid was in the amount of {$100.00} to terminate my services with XXXX XXXX. A representative at the XXXX XXXX XXXX office located in my community took my payment and the equipment when closing my account. Several months later I began disputing the charges which are on my credit report, yet, nothing has been resolved.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-02-17
Atlanta, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I have a collections account that was placed with Enhanced Resource Center ( corporation ) in XX/XX/XXXX regarding an XXXX XXXX XXXX cellular account that was placed in collections. I have been paying this company each month through auto-deduction from my checking account in a timely manner. I have never missed a payment. I contacted this agency on XX/XX/XXXX @ approximately XXXX, and spoke with a general rep before being transferred to a team lead named XXXX . I explained that my credit report is not accurate and they are reporting erroneously each month, as if I am not making payments. XXXX tried to explaine that because they are a collections agency, that they only report that the balance is paid in full or settled in full. I explained to him that they are reporting monthly that I am not making payments and that they are not following federal regulations, per the Fair Credit Reporting Act ( FCRA ). He stated that they follow all laws, but because they are a collections agency, that the only report on " sundays '' or monthly. Subsequently, he transferred me to the manager, XXXX XXXX. I explained the companie 's flaws and failure to follow federal laws while credit reporting. She essentially said the same statement that XXXX made. I told her that this is not federal law and that her company should be reporting each month that I am paying, instead of erroneously reporting that I was not paying. She disagreed with my statement. I informed XXXX XXXX that her company practices are not aligned with federal laws and they are flawed. To conclude, I arranged a post- dated payment to resolve my debt, so that I do not have to deal with this company ever again in my life. Their practices are unlawful, unfair, and misleading to consumers, and credit bureau agencies. They falsify information for their own personal game. Per the Fair Credit Reporting Act, this is illegal and unlawful. Unsophisticated consumers whom are unaware and are unacknowledged are at great risk.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-02-16
Fair Oaks, CA
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
2018-02-16
Tracy, CA
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
2018-02-15
AL
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: On XX/XX/2018 I disputed a collection account with XXXX and XXXX being reported by XXXX XXXX XXXX and both credit reporting agencies responded back that the account was verified as mines. I have never had an account with XXXX which is the company ERC is collecting for and also I have NEVER received any correspondence or letters from ERC about this debt. I have no knowledge of this account and I have never opened any contracts with XXXX. This negative information being reported is negatively affecting my credit and I want it removed immediately
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-02-15
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
2018-02-15
Little Rock, AR
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
2018-02-15
Clarkesville, GA
Written notification about debt
Debt collection: Other debt
Notification didn't disclose it was an attempt to collect a debt
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2018-02-15
Sacramento, CA
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2018-02-14
Memphis, TN
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: XXXX is saying that i owe them for an account. I have never had an account with them. I have asked them for proof of an existing account and i have never recieved one. This is affecting my credit rating. On XX/XX/2018 i spoke with a rep. for them gave him my last name and last for of my SS and he could not find a account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-02-14
Ft Wayne, IN
Communication tactics
Debt collection: Other debt
Frequent or repeated calls
Complaint: ERC KEEPS CALLING MY FAMILY MEMBERS AND MY CELL NUMBER, I TOLD THEM TO STOP AND WON'T. CALLED FROM ( XXXX ) XXXX, SEE FCC COMPLIANT ATTACHED. AND INDIANA 'S ATTORNEY GENERALS DON'T CALL LIST.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-02-13
Newnan, GA
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Complaint: I have no idea who enhanced recover is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX XXXX is indicating that an account with the account number XXXX was opened with their company in XX/XX/2017. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name.
When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.
2. Provide signed verification of each transaction that is part of the alleged cumulative debt.
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX XXXX XXXX as third-party collection agent.
4. Provide a true and correct copy of the instrument by which [ XXXX XXXX XXXX } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).
5. Provide the delegation of authority from the Director of the Office of Management Budget to XXXX XXXX XXXX, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).
6. Provide the Certified Assessment Certificate.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-02-13
Lewisville, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I HAVE A CREDIT MONITORING SERVICE AND GOT A ALERT AND THIS COMPANY XXXX XXXX XXXX XXXX, PUT IT ON MY CREDIT REPORT AND DID NOT SEND ME A LETTER IN ADVANCE AND AM WAS IN PROCESS OF TRYING TO BUY A HOME THE AMOUNT {$100.00} I CALL THEM THEY SAY THIS IS AND OLD ACC 6YRS I SAY I DONT KNOW OF IT THEY HAD ALREADY MESS CREDIT REPORT UP I SEND THEM A DISPUTE LETTER FOR THEM TO VALIDATION THE DEBT AND TO SHOW ME THEY HAVE RIGHT TO COLLECT IN STATE TX AND TO PROVE STATUTE LIMITATION EXPIRED AND OR THEY LICENSED IN MY STATE THEY DID NOT SEND THE INFO JUST A SNAP SHOT OF A BILL THEY TRYING TO COLLECT ON THEY DID NOT PROVIDE ORIGINAL SERVICE AGREEMENT WITH MY SIGNATURE ON IT
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-02-13
Atlanta, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I disputed this debt with Enhanced Recovery Company with no resolution. I sent a certified validation letter on XX/XX/ in regards to this collection in the amount of {$76.00} being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. Enhanced Recovery Company received the certified letter on XX/XX/ and has yet to respond to my request.
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-02-13
Columbus, IN
Attempts to collect debt not owed
Debt collection: Other debt
Debt was already discharged in bankruptcy and is no longer owed
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2018-02-13
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