ERC


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"Products" offered by ERC with at least one, but usually more complaints:

Bank account or service - Other bank product/service
Checking or savings account - Checking account
Consumer Loan - Installment loan
Consumer Loan - Vehicle loan
Credit card -
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - Store credit card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Medical debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan
Debt collection - Payday loan debt
Debt collection - Telecommunications debt
Debt or credit management - Credit repair services
Money transfer, virtual currency, or money service - Debt settlement
Mortgage - Other mortgage
Other financial service - Debt settlement
Payday loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Prepaid card - General purpose card
Student loan - Federal student loan servicing
Student loan - Non-federal student loan

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Complaint ID: 2635391

Date Received: 2017-08-17

Issue: Attempts to collect debt not owed

Subissue: Debt was paid

Consumer Complaint: XXXX/XXXX/XXXX XXXX XXXX said I owed XXXX XXXX which I did n't once I proved I did n't owe the amount they sent the debt to another company ERC the amount is XXXX

Company Response: Company believes it acted appropriately as authorized by contract or law

State: TX

Zip: 77073

Submitted Via: Web

Date Sent: 2017-08-17

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2633842

Date Received: 2017-08-17

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: I have had this same issue in the past with the original creditor XXXX and the collection agencies. This account has been closed and deleted from my credit report when I first disputed it with ERC, copy of letter and response is attached, and once again now this new collection agency, XXXX . XXXX XXXX , is claiming I owe them without even mailing me anything through the XXXX Mail or calling me on my phone. How is it that they are reporting to my credit reports a negative account that has been closed? I want them to delete this immediately from my credit report if XXXX . XXXX XXXX can not verify this alleged account ac cording to the Fair Debt Collections Act.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: IL

Zip: 60062

Submitted Via: Web

Date Sent: 2017-08-17

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2633764

Date Received: 2017-08-17

Issue: Written notification about debt

Subissue: Didn't receive enough information to verify debt

Consumer Complaint: Good evening, On XX/XX/XXXX I received my credit report and became alarm at two collection activities on my credit reports. One of the collection activities was opened on XX/XX/XXXX in the amount of {$600.00}. The second collection activity was opened in XX/XX/XXXX in the amount of {$160.00}. I called to inquire about the debt and to find out who the original creditor is. I was told I had to identify myself by giving my ssn to the representative on the phone. I refuse to give my ssn and asked if I could speak to a manager as I wanted to ask questions about the alleged debt but the rep hung up on me. I have investigated and learned the collection company is Enhanced Recovery Corporation and are not license to collect in the state of Tennessee. I have written letters to stop further collection activities and phone calls but contacted today at XXXX XXXX. This company is practicing illegally in the stated of Tennessee.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: TN

Zip: 38141

Submitted Via: Web

Date Sent: 2017-08-17

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2632473

Date Received: 2017-08-15

Issue: Took or threatened to take negative or legal action

Subissue: Threatened or suggested your credit would be damaged

Consumer Complaint: This account was placed on my credit profile by ENHANCED RECOVERY without my consent wich is in violation of FDCPA and FCRA rules and Reulations, this account was purchsed for profit and is Unverified and or Inaccurate.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: MI

Zip: 48235

Submitted Via: Web

Date Sent: 2017-08-15

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2631230

Date Received: 2017-08-16

Issue: Written notification about debt

Subissue: Didn't receive notice of right to dispute

Consumer Complaint: I recently received a copy of my credit report and I noticed that this company is reporting negative illegally re-aged information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I have been active on a family plan with XXXX since XX/XX/XXXX however this company has reported as of XX/XX/XXXX that I owe them via XXXX money which is impossible or an account they reaged illegally. I am requesting validation of this debt. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated. As well as when the account was closed and bought by this company.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: GA

Zip: 30213

Submitted Via: Web

Date Sent: 2017-08-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2631216

Date Received: 2017-06-15

Issue: Attempts to collect debt not owed

Subissue: Debt was paid

Consumer Complaint: I contacted Enhanced Recovery Company on my own to pay a debit. They told me that I could pay {$1000.00} for a pay and deletion. Upon the last payment the following month they tried to continue to draft my bank account I stopped the payment, because I already had satisfied the agreement. The original debt is {$1400.00}, I paid {$1000.00} which is a {$340.00} difference. This collection now shows on my report as closed with a {$500.00} balance, this company did not keep the agreement in which we established over the phone when I called them to satisfy the debt. I would like this closed collection removed from my credit and a letter from them stating this debt is PAID.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: LA

Zip: 70570

Submitted Via: Web

Date Sent: 2017-09-28

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2630940

Date Received: 2017-08-15

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: GA

Zip: 30331

Submitted Via: Web

Date Sent: 2017-08-15

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2630718

Date Received: 2017-08-17

Issue: Written notification about debt

Subissue: Didn't receive enough information to verify debt

Consumer Complaint: After sending repeated correspondences to a creditor called ERC to have my account removed from their database, which is being reported to all 3 credit bureaus as a collection, which is no avail. I have repeated sent letter after letter to have them address this matter only to have the say that I owe them. I have asked for valid proof that I owe them, which I also asked for a valid signature with validating this alleged debt. I have exhausted all my options other than go to small claims court.It is my hope that CFPB could assist me in resolving this matter in quick and decisive response.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: AL

Zip: 366XX

Submitted Via: Web

Date Sent: 2017-08-17

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2630624

Date Received: 2017-08-16

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: They are trying to get me to pay a debt I do n't know.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: GA

Zip: 30324

Submitted Via: Web

Date Sent: 2017-08-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2630573

Date Received: 2017-08-17

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: Account was never mine. Went in person to see if I can have a line on this mentioned account transfered to my name. they would n't even talk to me at the time because it was n't in my name. therefore the debt it is not mine. The account was originally with XXXX

Company Response: Company believes it acted appropriately as authorized by contract or law

State: OK

Zip: 74014

Submitted Via: Web

Date Sent: 2017-08-17

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.