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: 1374635

Date Received: 2015-05-13

Issue: Communication tactics

Subissue: Frequent or repeated calls

Consumer Complaint: Ehanced Recovery Company, LLC has been contacting me repeatedly, XXXX, XXXX times a day, calling and hanging up. Calling and hanging up. They leave a message and then they call back. They never have anyone on the phone. Every time I attempt to answer the phone, the other side hangs up. Its very aggravating, as they call me while I 'm at work, and they just call and hang up.

Company Response:

State: FL

Zip: 32256

Submitted Via: Web

Date Sent: 2015-05-13

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: Yes


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Complaint ID: 1373246

Date Received: 2015-05-13

Issue: Disclosure verification of debt

Subissue: Right to dispute notice not received

Consumer Complaint: I did not receive any communication from the company. I did not even know about until it showed up as collection on my credit report. I can not even ask for proof because I never receive a demand letter or any other communication from them. The debt collector is Enhanced Recovery. It is on my XXXX report.

Company Response:

State: MO

Zip: 640XX

Submitted Via: Web

Date Sent: 2015-05-13

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1372447

Date Received: 2015-05-12

Issue: Disclosure verification of debt

Subissue: Right to dispute notice not received

Consumer Complaint: This was an invalid charge from XXXX years ago. I have never had any agreement or contract with XXXX XXXX. The basis of this dispute is that I just pulled a credit report. I received no notices by mail, email or phone. I had sent substantial amounts of documentation several years ago when this XXXX came up which proves the debt invalid which I still have available. XXXX, XXXX and XXXX have all received this documentation and only XXXX does not report this new collection but old account now. My XXXX Score is XXXX and XXXX now at XXXX which should demonstrate the kind of damage this kind of wreckless credit reporting can cause someone. The subsequent attachment is from XXXX and the initial issue at the time was I was sold internet with a TV package " add on '' and later told I could not receive internet. There was also a XXXX day cancellation policy with XXXX, but they have been hounding me for years on a contract I never had and never used with XXXX.

Company Response:

State: PA

Zip: 17601

Submitted Via: Web

Date Sent: 2015-05-12

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1371012

Date Received: 2015-05-12

Issue: Cont'd attempts collect debt not owed

Subissue: Debt was paid

Consumer Complaint: ENHANCED RECOVERY COMPANY is saying that I owe XXXX XXXX XXXX. I know when I cancelled my phone bill and internet I paid my bill. This company is fraud and I have been reading all about it. I ca n't even get these people on the phone. All I have been reading about is how they are fraud. I ca n't find documents. I know this is wrong. Even if I pay them then it still wo n't go away from my credit report. Can you help me?

Company Response:

State: LA

Zip: 706XX

Submitted Via: Web

Date Sent: 2015-05-12

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1370849

Date Received: 2015-05-11

Issue: Disclosure verification of debt

Subissue: Right to dispute notice not received

Consumer Complaint: The company, Enhanced Recovery, reported an XXXX XXXX XXXX bill in XXXX of 2014 without sending a dunning notice. This was a debt that they had previously tried to collect from me years before and was eventually deleted from my credit reports after disputes were not validated on their end. They began reporting to XXXX and XXXX in XXXX of 2014. I disputed through the XXXX and they acknowledged through written message that they did not send a dunning notice because they were unable to reach me on a cell phone number they had listed as my contact. So as of last week ( XXXX XXXX ) they sent the dunning notice-5 months AFTER they began reporting this on my credit reports. I was not given the chance to dispute before this was marked as a derogatory item on my report and sending the notice now is a clear violation. I want this debt removed from my credit reports as it is being reported incorrectly and collected in violation.

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

State: IL

Zip: 60564

Submitted Via: Web

Date Sent: 2015-05-11

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: Yes


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Complaint ID: 1368739

Date Received: 2015-05-11

Issue: Disclosure verification of debt

Subissue: Right to dispute notice not received

Consumer Complaint: I learned from a recent credit report that ENHANCRCVRCO is showing as a collection account and is trying to collect a debt in the amount of {$400.00}. This is the first time I have heard of this company or this debt. I was never sent a notice of right to dispute nor have I been contacted by mail or telephone regarding this alleged debt.

Company Response:

State: CA

Zip: 93534

Submitted Via: Web

Date Sent: 2015-05-11

Company Response to Consumer: Closed

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1368588

Date Received: 2015-05-10

Issue: Cont'd attempts collect debt not owed

Subissue: Debt was paid

Consumer Complaint: I received a collection letter from Enhanced Recovery Company , LLC regarding my XXXX cable account and a balanced owed for {$77.00}. I contacted XXXX and inquired as to the debt and as to this company. First, my account had no debt and second, XXXX does not hire outside collection companies according to the recovery department with XXXX. I want to report this company as a total fraud.

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

State: CA

Zip: 906XX

Submitted Via: Web

Date Sent: 2015-05-11

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1367243

Date Received: 2015-05-08

Issue: Cont'd attempts collect debt not owed

Subissue: Debt was paid

Consumer Complaint: Enhanced revovery has a claim against me on my credit report. I have only the following information : XXXX # XXXX XXXX XXXX. They are unresponsive.

Company Response:

State: IL

Zip: 60626

Submitted Via: Web

Date Sent: 2015-05-18

Company Response to Consumer: Closed

Timely Response: Yes

Consumer Disputed: Yes


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Complaint ID: 1366860

Date Received: 2015-05-08

Issue: Disclosure verification of debt

Subissue: Not given enough info to verify debt

Consumer Complaint: This company has violated the FDCPA and the FCRA. I sent a letter requesting to verify the debt and it is now over thirty days since they received the certified mail request. I have asked them to remove their derogatory information from my XXXX report and they have not complied.

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

State: IL

Zip: 60640

Submitted Via: Web

Date Sent: 2015-05-08

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1362812

Date Received: 2015-05-06

Issue: Disclosure verification of debt

Subissue: Right to dispute notice not received

Consumer Complaint: I am not responsible for this debt and have attempted to contact both the original debt agency as well as XXXX to no avail. I have requested verification of the debt and received none. After multiple calls to XXXX with no assistance I am forced to request this account be permanently deleted from my credit report and verification of deletion be mailed for my records.

Company Response:

State: ME

Zip: 042XX

Submitted Via: Web

Date Sent: 2015-05-06

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.