ERC


If you believe a complaint deserves more attention hit the up arrow, or hit the down arrow if you find it less important.
"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: 1545228

Date Received: 2015-08-31

Issue: Cont'd attempts collect debt not owed

Subissue: Debt is not mine

Consumer Complaint: There is an active XXXX account on my credit report which I have no knowledge of I have never had XXXX services before

Company Response: Company can't verify or dispute the facts in the complaint

State: NY

Zip: 11385

Submitted Via: Web

Date Sent: 2015-09-05

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: No


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 1544599

Date Received: 2015-08-31

Issue: Disclosure verification of debt

Subissue: Not given enough info to verify debt

Consumer Complaint: There is a agency collecting for an XXXX account which is unknown. I have requested validation and contract I signed and proof this is an account that belongs to me. This is unknown and the date is unknown. I want to see an actual contract with my signature on it. This simple statement does n't validate anything. Please help.

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

State: FL

Zip: 338XX

Submitted Via: Web

Date Sent: 2015-08-31

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 1541991

Date Received: 2015-08-28

Issue: Cont'd attempts collect debt not owed

Subissue: Debt is not mine

Consumer Complaint: I get a phone call on my cell phone, almost every other day, from XXXX. My phone only rings once. I 've Googled the number and learned that they are a a debt collector. I have no outstanding debt. I have a credit score of XXXX. The XXXX call began XXXX XXXX, 2015. I want the calls stopped and any assistance you can provide would be very much appreciated. Sincerely, Frustrated

Company Response: Company can't verify or dispute the facts in the complaint

State: IN

Zip: 475XX

Submitted Via: Web

Date Sent: 2015-09-04

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: No


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 1541958

Date Received: 2015-08-28

Issue: Disclosure verification of debt

Subissue: Right to dispute notice not received

Consumer Complaint: Enhanced Recovery has reported that I owe XXXX and I called them and they put it on hold now they are reporting that I owe XXXX {$650.00} I called XXXX they have no records of me so I called Enhanced Recovery and they said they had no records of XXXX and hung up on me. So now what do I do

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

State: IL

Zip: 628XX

Submitted Via: Web

Date Sent: 2015-09-04

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: Yes


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 1537616

Date Received: 2015-08-26

Issue: Cont'd attempts collect debt not owed

Subissue: Debt is not mine

Consumer Complaint: I received a collection notice from Enhanced Recovery Corporation, XXXX regarding a debt that is not mine from XXXX XXXX in the amount of {$2400.00}. I have never had an account in my name with XXXX XXXX. I checked all XXXX credit bureaus XXXX XXXX and all do not show this alleged debt. My credit score is XXXX and I am concerned that this action will affect my excellent credit score.

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

State: IL

Zip: 60559

Submitted Via: Web

Date Sent: 2015-08-26

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 1536640

Date Received: 2015-08-26

Issue: Cont'd attempts collect debt not owed

Subissue: Debt was paid

Consumer Complaint: Company continues to report on my credit report this debt. I settled this with another collection agency and received a letter stating it was paid. Sent all verification to this second company, Enhanced Recovery Company, and they refuse to remove it and continue to report to credit bureau. They are attempting to collect a debt already settled and paid. They continue to state " we do n't know if it 's been paid '' even though verification letter states " Paid ''.

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

State: TX

Zip: 78660

Submitted Via: Web

Date Sent: 2015-09-16

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 1535756

Date Received: 2015-08-25

Issue: Cont'd attempts collect debt not owed

Subissue: Debt is not mine

Consumer Complaint: To make this short and concise, I will describe the situation. Enhanced Recovery put an XXXX collection on my credit report a few months ago. I have attempted to dispute this account with the XXXX credit bureaus because I have had uninterrupted service with XXXX XXXX XXXX for 15 years now. The credit bureaus claimed that this account was verified as legitimate by Enhanced Recovery. After calling Enhanced Recovery, a representative named XXXX XXXX could n't say what the debt was for and could n't provide me with details of the charges but instead kept telling me to go talk to XXXX XXXX XXXX about this debt. When asked to speak to his supervisor, the line was put on hold and eventually hung up. They were called immediately back and I finally spoke with a supervisor. The Supervisor claimed that it was for a landline phone that was connected from XX/XX/XXXX to XX/XX/XXXX he claimed that bills were sent to me with no response but he gave me an address I have n't lived in for many years. When the supervisor was asked why XXXX XXXX XXXX had never sent me a bill or contacted me about this debt he could n't answer. When asked why his company had n't contacted me either he still could n't answer. Finally, when I asked why his representative XXXX XXXX could n't say what this debt was about and why I was being told to get any relevant information from XXXX XXXX XXXX themselves but now the supervisor himself supposedly had the information to give me the supervisor could n't give me a response either. This debt is not mine and I do not owe XXXX anything. I have had service with them for 15 years and if I truly owed them anything they would have notified me. After all, they do have my current phone number and address. This debt is invalid and I believe Enhanced Recovery is trying to collect this debt fraudulently. They already " verified '' it with the credit bureaus when they know full well they ca n't. This account is literally the only account preventing me from buying a house and if Enhanced Recovery does n't quit it 's illegal collection tactics I will be forced to sue. Houses are n't getting any cheaper and I am not getting any younger.

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

State: CA

Zip: 93306

Submitted Via: Web

Date Sent: 2015-09-01

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 1535008

Date Received: 2015-08-25

Issue: Cont'd attempts collect debt not owed

Subissue: Debt is not mine

Consumer Complaint: DID NOT RECIVE ANY SERVICE FROM THIS COMPANY. I WAS LIVING IN SHELTER AT THAT TIME.

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

State: TX

Zip: 75243

Submitted Via: Web

Date Sent: 2015-08-25

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 1534786

Date Received: 2015-08-25

Issue: Cont'd attempts collect debt not owed

Subissue: Debt was paid

Consumer Complaint: I had an unpaid debt to the creditor XXXX XXXX XXXX XXXX for XXXX XXXX on a Wi-FI hotspot. The company XXXX offered me a settlement of {$120.00} to pay off the debt. I accepted and paid {$120.00} in full, online, on XXXX. I have a statement from my bank reflecting this payment and a letter downloaded from the XXXX Web site which corroborates the debt was paid in full. I had no reason to believe otherwise. On XXXX I received a letter via USPS from Enhanced Recovery Company , LLC which stated that I STILL owed a debt to XXXX XXXX XXXX XXXX of {$120.00}. They offered a settlement of {$54.00} for this debt which I already settled through XXXX.

Company Response:

State: PA

Zip: 165XX

Submitted Via: Web

Date Sent: 2015-08-25

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: Yes


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 1534659

Date Received: 2015-08-25

Issue: Disclosure verification of debt

Subissue: Right to dispute notice not received

Consumer Complaint: This company has been on my credit report some time stating I owe a debt to them. I have never received mail in correspondance to this debt. I have contacted the company on multiple occasions through the number provided online ( XXXX, FL based company ) with little resolve to the situation. I have been hung up on, transferred repeatedly to sit on hold for long periods of time with ultimately no resolve to the situation, I have been told they can not proceed without a claim number ( which was never administered ), I have been told this company can not find debt under my name and information YET IT IS ON MY CREDIT REPORT! I am fed up with the lack of effort they have provided in addressing this " debt '' I supposedly owe. Each time I call I am transferred to an employee with a completely different excuse than the last. If I am such a stranger on their files why is my credit report being bogged down with this bogus charge! Since I have actively tried for a period of time to resolve this I am bringing the issue to your attention in hopes of some breakthrough in clarification.

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

State: PA

Zip: 195XX

Submitted Via: Web

Date Sent: 2015-08-25

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.