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

Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.
Complaint ID: 2111074

Date Received: 2016-09-15

Issue: Cont'd attempts collect debt not owed

Subissue: Debt is not mine

Consumer Complaint: My late wife who was XXXX requested an antenna from XXXX ( she was a 15 year customer ) because the reception in the apartment we lived in at the time was very poor. XXXX delivered the antenna after much hassle. My wife finally succumbed to her illness and I moved XXXX to be with my daughter 's. I canceled my XXXX phone and returned the antenna to the local XXXX store XXXX XXXX XXXX, XXXX XXXX before I left. The young lady took the antenna and wished me well. I paid my phone bill in full but XXXX kept on sending bills for the antenna. They have turned the bill over to several different collection agencies. Each one has tried to cut a deal with me. I refuse to pay for something that I returned to XXXX.

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

State: OH

Zip: 44135

Submitted Via: Web

Date Sent: 2016-09-19

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: Yes


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Complaint ID: 2110744

Date Received: 2016-09-14

Issue: False statements or representation

Subissue: Attempted to collect wrong amount

Consumer Complaint: I had to get XXXX involved with a billing dispute with XXXX XXXX XXXX because of their lack of performance. When XXXX stepped in, XXXX XXXX XXXX finally adjusted my bill. The final balance was {$87.00} which I paid. BUT ... what XXXX XXXX XXXX did in retaliation was send the bill to collection even though they were told I would not pay until the bill was adjusted. So there it sits effecting my credit. I tried to dispute the account with the collection agency, Enhanced Recovery. They zeroed out the balance and moved it to " removed collection ''. I just checked my credit and they moved it back to " closed collection '' which is effecting my credit. THIS is ridiculous!!! It should have never been sent to collections in the first place!! The act was retaliation for getting XXXX involved in XXXX XXXX XXXX lack of performance!

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

State: CA

Zip: 94401

Submitted Via: Web

Date Sent: 2016-09-14

Company Response to Consumer: Closed

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 2109495

Date Received: 2016-09-13

Issue: Disclosure verification of debt

Subissue: Not given enough info to verify debt

Consumer Complaint: Unknown account, never have been notified and again unknown.

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

State: TX

Zip: 76018

Submitted Via: Web

Date Sent: 2016-09-13

Company Response to Consumer: Closed

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 2106594

Date Received: 2016-09-12

Issue: Cont'd attempts collect debt not owed

Subissue: Debt is not mine

Consumer Complaint: ERC has called my mom and husband regarding my contact information stating that I have outstanding debt that needs to be paid. They have also called me. I do not have any outstanding debt and my credit reports are clean.

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

State: AZ

Zip: 85224

Submitted Via: Web

Date Sent: 2016-09-12

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 2105606

Date Received: 2016-09-11

Issue: Cont'd attempts collect debt not owed

Subissue: Debt is not mine

Consumer Complaint: I was out XXXX for five year when this account was open proof of it on record Out XXXX from XXXX to XXXX XXXX records available

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

State: NJ

Zip: 076XX

Submitted Via: Web

Date Sent: 2016-09-11

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 2104355

Date Received: 2016-09-09

Issue: Cont'd attempts collect debt not owed

Subissue: Debt resulted from identity theft

Consumer Complaint: and XXXX cell phone account and a XXXX internet account was openened by my ex-spouse over a year ago without my consent

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

State: IL

Zip: 61103

Submitted Via: Web

Date Sent: 2016-10-12

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 2098751

Date Received: 2016-09-07

Issue: Cont'd attempts collect debt not owed

Subissue: Debt is not mine

Consumer Complaint: In XXXX, I turned in all my equipment to XXXX XXXX and paid all balances due ; I was not late nor did I owe and past due billings. I even ask the CSR if there would be any further billing. Two months later I received a {$60.00} bill, I immediately disputed the bill. Six months later it showed up on my credit report. I disputed the bill and it was removed in a timely manner. IN XXXX XXXX XXXX turned the bill over to Enhanced Recovery Company of XXXX, FL. I disputed the billing immediately. Instead of investigating or contacting me, they files a collection on my credit bureau reports and that decreased my score substantially. I have sent ERC a letter to have the item removed and I have had no success. I need your help with this matter as this is unfair and incorrect and should be removed and finalized and I should not have to deal with this every few years over and over.

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

State: AL

Zip: 356XX

Submitted Via: Web

Date Sent: 2016-09-09

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 2096870

Date Received: 2016-09-06

Issue: Cont'd attempts collect debt not owed

Subissue: Debt is not mine

Consumer Complaint: I receive a letter from Enhanced Recovery Corp. It said that I owed them {$89.00}. I told the representatvive that it was not my debt. They assured me that collection tactics would stop and that this collection would be reoved from my credit bureau. Tney have not complied and have continued to try to collect the debt. They have not removed this from my credit bureau reports.

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

State: FL

Zip: 33125

Submitted Via: Web

Date Sent: 2016-09-06

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 2096718

Date Received: 2016-09-07

Issue: Cont'd attempts collect debt not owed

Subissue: Debt is not mine

Consumer Complaint: I have no consent or knowledge of this account ( s ) Verbal abuse over the phone, threatening tactics.

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

State: CA

Zip: 90731

Submitted Via: Web

Date Sent: 2016-09-07

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 2094818

Date Received: 2016-09-02

Issue: Cont'd attempts collect debt not owed

Subissue: Debt was paid

Consumer Complaint: In XXXX XXXX, i happened to check my credit report and i realized that it had addresses that i have never lived on and several delinquent activities that i was unaware of. One activity claimed i had service with XXXX and did not pay my bill, so XXXX passed on that debt to debt collector " XXXX XXXX XXXX '' amount of {$1100.00} under sprint account number XXXX. I filled a claim with CFPB to XXXX XXXX XXXX with explanation that i had never had sprint services and my identity was compromised. After a few days of investigation account was recalled by sprint and closed on XXXX/XXXX/XXXX agreeing that it was fraudulent account. Few days later i got a debt collection notice from " XXXX XXXX '' with the same sprint account number and amount claiming its new collection notice, i filled a second dispute through CFPB and a few days later XXXX investigated the claim and ceased collection activities and returned the account to sprint. Today ( XXXX/XXXX/XXXX ) I received a collection notice ( see attached ) from ERC of the same sprint account number XXXX in amount {$1100.00}. I want to emphasize that this account is a result of ID theft and I have never had XXXX and never lived on XXXX XXXX XXXX # XXXX, XXXX, RI XXXX.

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

State: SC

Zip: 29420

Submitted Via: Web

Date Sent: 2016-09-02

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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