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: 1902126

Date Received: 2016-04-28

Issue: Improper contact or sharing of info

Subissue: Contacted me after I asked not to

Consumer Complaint: Improper contact after I asked them not to call me, ERC collection agency left threaten messages to my phone and parents house say that I would go to jail if I did n't contact them in 10 days.

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

State: TX

Zip: 77033

Submitted Via: Web

Date Sent: 2016-05-03

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: Yes


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Complaint ID: 1900856

Date Received: 2016-04-28

Issue: Cont'd attempts collect debt not owed

Subissue: Debt is not mine

Consumer Complaint: XXXX has put a collection on my credit report that was not mine. I contacted them and had it removed. Now the phone calls have started again for this collection that is not mine.

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

State: TN

Zip: XXXXX

Submitted Via: Web

Date Sent: 2016-04-28

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1898377

Date Received: 2016-04-28

Issue: Disclosure verification of debt

Subissue: Right to dispute notice not received

Consumer Complaint: I recently received an alert of a collection on my credit report. From Enhanced Recovery. I never received a letter from ERC stating that they were attempting to collect a debt from nor have I received any phone calls. I have no knowledge of a XXXX account nor did I have a XXXX on the dates listed on my credit report.

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

State: FL

Zip: 32810

Submitted Via: Web

Date Sent: 2016-04-28

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1895226

Date Received: 2016-04-25

Issue: Cont'd attempts collect debt not owed

Subissue: Debt is not mine

Consumer Complaint: A company " ERC '' leaves automated phone message that this an attempt to collect a debt. They do not ask for anyone by name, nor do they say to whom the " debt '' is supposedly owed. We are current with all bills, own our home, owe nothing to no one, and refuse to call the number and report our case number left on the message, so that we do not give them any encouragement. This annoyance call comes in on our home phone over and over, and we 'd like to stop this repetitive call for a bogus debt. Please tell them to stop calling our number. They call from XXXX. How can we block them from bothering us? Thank you.

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

State: GA

Zip: 300XX

Submitted Via: Web

Date Sent: 2016-04-25

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1893746

Date Received: 2016-04-24

Issue: Disclosure verification of debt

Subissue: Right to dispute notice not received

Consumer Complaint: Enhanced Recovery Co placed a derogatory on my credit report in XXXX XXXX. I have never been contacted by this collection agency. The only collection agency that contacted me was XXXX XXXX. I received a letter from them on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I sent a letter of dispute via registered mail. I disputed a portion of the bill because I had terminated my service with XXXX XXXX XXXX on XXXX XXXX. They billed me for service from XXXX for XXXX. I was also disputing how they arrived at the past due amount of XXXX. To date no response was ever received from XXXX XXXX. Nor has Enhanced Recovery Co ever contacted me.

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

State: LA

Zip: 70726

Submitted Via: Web

Date Sent: 2016-04-24

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1893001

Date Received: 2016-04-22

Issue: Improper contact or sharing of info

Subissue: Talked to a third party about my debt

Consumer Complaint: I have a friend in Iowa, I met on XXXX. We 've been friends for over XXXX years, I 've been currently dealing with my mother in the hospital and was shocked to receive a message from her stating that she had been receiving a call from " XXXX '' so she finally answered it. The caller said his name was XXXX XXXX and he was looking for me. That I had a debt to take care of and he proceeded to give her his number and reference number and asked to pass on this message. From what I gather, this act is completely illegal. We 're not related, I have never put her number down on anything in regards to being my number or personal reference. So I do not understand as to why they were able to call someone that way. I called the company this morning and XXXX did n't have much to say about in regarding this matter or why she just said that I put this number down as my point of contact. I 've had one number, one. and I 've had my XXXX account opened longer than I 've known my friend. so I assume they were trolling the people I 've sent money too which I 'm assuming is also an illegal tactic.

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

State: MD

Zip: 20745

Submitted Via: Web

Date Sent: 2016-04-22

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1888431

Date Received: 2016-04-20

Issue: Cont'd attempts collect debt not owed

Subissue: Debt is not mine

Consumer Complaint: XXXX quit providing channels I subscribed to therefore breaking our contract. I called to cancel our contract and later returned all equipment. I cancelled 2 days into a billing cycle which I offered to pay if sent an appropriate bill. The only bills I received were in excess of {$200.00} which I did not pay. I do n't feel I should pay {$270.00} for two days service.

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

State: OK

Zip: 730XX

Submitted Via: Web

Date Sent: 2016-04-22

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1888320

Date Received: 2016-04-21

Issue: Cont'd attempts collect debt not owed

Subissue: Debt resulted from identity theft

Consumer Complaint: I was a fraud victim from someone who opened up a XXXX account with my name and social. I filed a police report and was advised at that time not to send any more personal information to them. The cop went to comcast in person and told them I had submitted proof to him that it was not me. They refuse to take the charge off my account. I contacted them later and they said they could n't do it bc I needed to file a report on the FTC website. So I did. They still wo n't take it off. Now I can not get anyone on the phone with XXXX. They keep giving me the run around and have told me TWICE that the fraud dept. will contact me in 72 hours and they have not. I am not 100 % sure of my rights, but if a cop says that I have already proven my innocence, can they still demand more paperwork? Since when should I obey a XXXX rep over the POLICE? I am to the point of backing down to get it over with. I have my proof of residency ready to email, but I ca n't get anyone to give me an email to send it to. XXXX when I tried to call, they just transferred me to the FTC and hung up. We were both confused as to why we were even on the phone with each other. I do not have a problem with the collection agency because they have removed it twice already with no hesitation. However, XXXX every so often sends it back to the collection agency all over again. I really need help getting XXXX to clear my name. Thank You!

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

State: AL

Zip: 363XX

Submitted Via: Web

Date Sent: 2016-04-21

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1887677

Date Received: 2016-04-19

Issue: Disclosure verification of debt

Subissue: Not disclosed as an attempt to collect

Consumer Complaint: I never received any notification regarding a medical bill that I do n't remember not paying. I would like to get a copy of this bill showing my name and date of appointment. I also would like to know the reason this bill was send to collection without my knowledge.

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

State: FL

Zip: 33705

Submitted Via: Web

Date Sent: 2016-04-19

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1886941

Date Received: 2016-04-19

Issue: Cont'd attempts collect debt not owed

Subissue: Debt was paid

Consumer Complaint: I started an account with XXXX for a cell phone. Even after i paid the bill and my son transferred the account to his name, they still tried to come after me for almost {$720.00} dollars. Now they have sent the account to collections and a debt collector is coming after me for this debt I do not owe.

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

State: IL

Zip: 60625

Submitted Via: Web

Date Sent: 2016-04-19

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.