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: 1686006

Date Received: 2015-12-07

Issue: Communication tactics

Subissue: Frequent or repeated calls

Consumer Complaint: Automated system calls at various hours 7 days a week but when I answer there is a recording to call back, they are a debt collector. I have called back and been put on hold until I just hang up. I have no idea what they want or who they are. Our above number has been on the do-not-call registry since 2007. Additionally, we do n't have any debt.

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

State: LA

Zip: 70508

Submitted Via: Web

Date Sent: 2016-01-08

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1684270

Date Received: 2015-12-04

Issue: Cont'd attempts collect debt not owed

Subissue: Debt resulted from identity theft

Consumer Complaint: Enhanced Recovery Corp entered a fraudulent entry on credit report which had been previously removed as a result of ID theft in 2014. This fraudulent amount is allegedly for XXXX XXXX XXXX, which I have never had ( I use XXXX ). When I called their XXXX phone number, they said there was no account with my name.

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

State: NY

Zip: 10025

Submitted Via: Web

Date Sent: 2015-12-04

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1681389

Date Received: 2015-12-03

Issue: Cont'd attempts collect debt not owed

Subissue: Debt resulted from identity theft

Consumer Complaint: A collection agency is making false reports to XXXX andXXXX claiming that I have not paid a bill. Enhanced Recovery Corp ( XXXX ) claims that I owe XXXX XXXX {$110.00}. I have never had an account with XXXX XXXX. I contacted them and they have no record of me being a customer. Enhanced Recovery Corp. has never sent me a bill. They contacted me by phone on XXXX/XXXX/2015 and I told them I had no knowledge of this bill. They reported me to the collection agencieson XXXX/XXXX/2015.

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

State: MA

Zip: 014XX

Submitted Via: Web

Date Sent: 2015-12-03

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: Yes


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Complaint ID: 1680009

Date Received: 2015-12-02

Issue: Cont'd attempts collect debt not owed

Subissue: Debt was paid

Consumer Complaint: The dispute is with XXXX XXXX XXXX XXXX. I cancelled service with them in 2013 ; the account was paid in full at the time of cancellation. The XXXX technician came to my home, disconnected service and retrieved the equipment. Since then I have been harassed by them with collection calls and have had my non-existent account sent to XXXX collection agencies. I have copies of the communication which I will attach. In a nutshell, I am still being pursued by various collection agencies for this debt.

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

State: CA

Zip: 94513

Submitted Via: Web

Date Sent: 2015-12-03

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1678823

Date Received: 2015-12-02

Issue: False statements or representation

Subissue: Attempted to collect wrong amount

Consumer Complaint: This is compliant in regards to debt collection for a balance from a XXXX XXXX. The XXXX agreement was processed on XXXX service charges Everything Data {$19.00} Premium Data {$10.00}. Total estimated monthly service charge $ XXXX have attached the contract. From XX/XX/XXXX until termination of the contract XX/XX/XXXX I was charge the {$10.00} Premium Data Fee over and above my monthly service charge. Please see attached sample of XXXX of the monthly billingFrom XX/XX/XXXX until termination of the contract XX/XX/XXXX I was charge {$99.00} a month for the monthly service charge. Please see attached sample of XXXX of the monthly billings. I was also charge late fees over the course of the billing period, please take note that when a consumer signs up for a certain amount ever month and you bill {$80.00} dollars above that every month the consumer may find it difficult to pay that bill. Also I would like a refund for the early cancelation of contract because the contract was never establish or maintain at the rate agreed upon.

Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company

State: AZ

Zip: 85635

Submitted Via: Web

Date Sent: 2015-12-02

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: Yes


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Complaint ID: 1676944

Date Received: 2015-12-01

Issue: Cont'd attempts collect debt not owed

Subissue: Debt resulted from identity theft

Consumer Complaint: XXXX keep send different debt collection after me, I 'm a victim of identity theft I already send out paperwork to them befor and still contacting me about this.

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

State: NY

Zip: 11203

Submitted Via: Web

Date Sent: 2015-12-03

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1674951

Date Received: 2015-11-30

Issue: Cont'd attempts collect debt not owed

Subissue: Debt is not mine

Consumer Complaint: XXXX XXXX XXXX is still trying to charge me for phone service I never had. As stated in my previous complaint filed with the CFPB back in XXXX XXXX, XXXX, I have never used XXXX, and have been with another company for seventeen years. The account number on the bill, which is " XXXX '' ( which corresponds with the last XXXX digits of a person 's Social Security number ) does not match mine. In addition, the phone number on the bill is not mine! I happened to have a similar name to the person listed on the bill, so they forwarded this bill to my address, and demanded collection. I called them, and explained what happened, and the XXXX representative promised me that they would call off the collection agency. However, I see that on my credit report, they have still posted me as owing money to them, unfairly damaging my credit. Instead of correcting their mistake, they have passed my name, phone number, and address to yet another collection agency. First, " XXXX '' back in XXXX XXXX ; second, the " XXXX XXXX '' back in XXXX XXXX ( XXXX, which, by the way, apologized and stopped harassing me ). Third, they passed my name yet again to " XXXX XXXX, XXXX '', which not only apologized for bothering me, but admitted that XXXX had passed on to them a fraudulent debt. In XXXX XXXX, XXXX did it again, by passing my name to " XXXX XXXX XXXX ( XXXX XXXX ), '' which acknowledged that the debt was fraudulent, and closed the case. Now it is XXXX XXXX, and XXXX has persisted in sending this " debt '' to ERC, which is offering a settlement. Why should I pay a settlement for a debt that is not even mine?

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

State: FL

Zip: 32839

Submitted Via: Web

Date Sent: 2016-01-04

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1673427

Date Received: 2015-11-27

Issue: Cont'd attempts collect debt not owed

Subissue: Debt is not mine

Consumer Complaint: I kept getting a call from XXXX when I answer it there is no one on the other end. after several continuous calls I called them back and found out it was ERC a debt collector. I asked them what debt they were trying to collect and they did not find any debts to be owed with my name, SSN or phone number. They removed my number 3 times over the past month and yet I still get calls. The most recent from a new number XXXX. There is no debt to be collected associated with me or my number and yet I get called every week sometimes twice a week. I am sure this is happening with other people too and it is very annoying.

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

State: NH

Zip: 03051

Submitted Via: Web

Date Sent: 2016-01-04

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1669464

Date Received: 2015-11-24

Issue: Cont'd attempts collect debt not owed

Subissue: Debt is not mine

Consumer Complaint: I dispute this debt because I do not owe this money. I terminated my contract for Internet service with XXXX in XXXX 2014. I received an email from XXXX stating that if I return their equipment before the closing bill, I would not be charged. At that time, I returned their modem using the packaging and shipping label they provided. My closing bill did not include any charges for equipment. I did not receive any bills or notices from them since ending the contract. In XXXX 2014, I received a letter from a company called XXXX claiming I owed XXXX {$100.00}. I called XXXX and their representative said they had no outstanding dues on my account and that they were unfamiliar with XXXX. The call was escalated several times and took almost XXXX hour to complete as they checked various databases. After that call, I contacted XXXX to gather more information about this claim. They told me it was for an unreturned modem. I put this claim in dispute. In XXXX, 2014, I received a letter from them confirming that the account was in a " disputed status. " I received a letter from another collection agency called XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2014. There was no verification of the debt or any tracking information about the shipping label that was provided by XXXX. I received your collection notice today. I do not appreciate having to dispute this debt this many times as XXXX continues to sell consumer information to different collection agencies. Upon searching discussion forums, I understand that there are many consumers who have been troubled greatly by a similar error.

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

State: MN

Zip: 554XX

Submitted Via: Web

Date Sent: 2015-12-09

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: Yes


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Complaint ID: 1668931

Date Received: 2015-11-23

Issue: False statements or representation

Subissue: Attempted to collect wrong amount

Consumer Complaint: ERC keeps trying to collect for a debt supposedly owed to XXXX XXXX. This is not a valid debt. It is an accounting error on XXXX part. It stems from their in store employees wrongfully issuing a separate account when I joined my family 's family plan.

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

State: MD

Zip: 20705

Submitted Via: Web

Date Sent: 2015-12-09

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.