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: 1314503

Date Received: 2015-04-04

Issue: Cont'd attempts collect debt not owed

Subissue: Debt is not mine

Consumer Complaint: I am lodging a formal complaint against ehanced recovery company. This debt collection company has violated my rights and the XXXX. I recieved a dunning notice from this company in XXXX of 2014 advising me i had XXXX days to ask for validation on a XXXX account i have no knowledge of having for a horrific amount of {$1000.00}, i immediately sent them a debt validation request within the XXXX days, which was sent via XXXX certified mail with return reciept. enhanced recieved my validation request i have the return reciept and copy of the debt validation letter, which i will keep for my records. Enhanced recovery intentionally ignored my debt validation request, instead of validating the debt, enhanced recovery reports this negative debt to the XXXX major credit reporting agencies, which in return has damaged my excellent credit. I want this negative account deleted from my XXXX credit reports immediately!!!!!!!! I will also be filing complaints with my XXXX attorney general office, and XXXX attorney general office!!!! I Have done my research on this company, and found out this is normal for them too do. They have numerous negative complaints for their deceptive business practices. Please do not continue to let this company think they can continue treating consumers like XXXX! Thanks for your time!!!!!!

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

State: PA

Zip: 180XX

Submitted Via: Web

Date Sent: 2015-04-04

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1314419

Date Received: 2015-04-05

Issue: False statements or representation

Subissue: Attempted to collect wrong amount

Consumer Complaint: Enhanced recovery placed old debt on file. debt is 7 years old and no money is owed to company they are collecting for. military orders were sent to have service disconnected and all equipment was sent back in the boxes they provided.

Company Response:

State: FL

Zip: 322XX

Submitted Via: Web

Date Sent: 2015-04-05

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1312628

Date Received: 2015-04-02

Issue: Cont'd attempts collect debt not owed

Subissue: Debt is not mine

Consumer Complaint: XXXX XXXX COMPANY or ENHANCED RECOVERY CORPORATION depends which credit reporting agency you look at, is putting a collection from XXXX on my reports. I have never had an account with XXXX ever and I 'd like these removed. I have disputed with the credit agencies ( XXXX and XXXX ) and to no avail. I have disputed a XXXX time and I still have yet to hear back. When I call the collection company they answer and hang up. I 'm convinced this is fraud and I 'm not the only person saying this. A google search of any of the company names shows others complaining about accounts that they have never owned. I just want this removed from my account and this company shut down. They 're illegally trying to collect debt that I do not owe.

Company Response:

State: FL

Zip: 33178

Submitted Via: Web

Date Sent: 2015-04-09

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: Yes


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Complaint ID: 1312410

Date Received: 2015-04-02

Issue: Disclosure verification of debt

Subissue: Right to dispute notice not received

Consumer Complaint: This alleged debt was previously reported and disputed with another collection company and subsequently removed from my credit report. This company has sent no notice to me that they have the debt or of my rights to dispute. They simply re-aged it and put it on my credit report as a new collection. I only became aware when my credit monitoring service alerted me of the new listing.

Company Response:

State: CA

Zip: 92626

Submitted Via: Web

Date Sent: 2015-04-02

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1312260

Date Received: 2015-04-02

Issue: Cont'd attempts collect debt not owed

Subissue: Debt is not mine

Consumer Complaint: In XXXX I was a XXXX customer. I decided in XXXX to go with XXXX and ended the services with XXXX. I called XXXX and requested boxes to send their converter boxes to them. The boxes were delivered to me and I packed the converter boxes to be shipped back to XXXX. The representative that I spoke with in late XXXX stated that the boxes would be picked up after I packed them by XXXX. After speaking with her I realized that I had another question for the representative and called back. The next representative stated to me that the boxes were outdated and I could throw them away. I stated to her that I would not throw them away but send them back to XXXX. The representative stated that even if I sent the boxes back to XXXX, I would not be given credit because the boxes were outdated and I needed to just pay for them. I stated to the representative that I would send the boxes back and they could do whatever they needed to do with the boxes. It showed upon my credit report that I owed XXXX {$680.00}, I disputed this back in XXXX and it was removed from my credit report in XXXX. Now it is back on my credit report but with a different collection agency. I do not owe this debt, XXXX is trying to make me pay for their outdated boxes

Company Response:

State: LA

Zip: 70058

Submitted Via: Web

Date Sent: 2015-04-02

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1311777

Date Received: 2015-04-01

Issue: Cont'd attempts collect debt not owed

Subissue: Debt was paid

Consumer Complaint: I received a letter stating I owed them for a cable bill I send XXXX return receipt letter requesting validation as required by the Fair Debt Collection Practices Act they never responded sending a letter providing proof that the debt is legitimate that they provide proof that the debt is legitimate, that you are the person who legally owes the debt and that the collector has the right to collect the debt. they then placed a collection notice on my credit report with-out verification of the dept and after I let them know it was n't mine.

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

State: FL

Zip: 32960

Submitted Via: Web

Date Sent: 2015-04-06

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: Yes


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Complaint ID: 1310928

Date Received: 2015-04-01

Issue: Disclosure verification of debt

Subissue: Right to dispute notice not received

Consumer Complaint: XX/XX/XXXX I received a credit monitoring alert that notified me of a new collection account listing with XXXX XXXX credit bureaus. At that time, I had n't received any letters or notification from the company, Enhanced Recovery, who placed the trade line in my credit file. XX/XX/XXXX, I sent a letter to Enhanced Recovery - sent certified mail return receipt requested ( XXXX ) - notifying them of the placement in my credit file, that they had not provided any notification to me of a debt owed, and requesting validation of the debt. Although this letter was received by them, I received no response. On XX/XX/XXXX, I sent a XXXX letter to Enhanced Recovery, also sent XXXX notifying that they had not responded to my previous letter, although required by law, and were still continuing to report an invalid and unvalidated debt to the credit bureaus. At that time, I, again, requested debt validation or removal of the trade line. As of XX/XX/XXXX, I have received NO communication from Enhanced Recovery nor has the debt been removed from my credit file. They have continued, since XX/XX/XXXX, to insert and update a trade line in my credit file, causing significant damage to my credit rating. They have not responded to any of the letters sent to them. I have filed a complaint with the XXXX and the Texas Attorney General 's office as well, in an attempt to resolve this issue. Their continued violations are unacceptable, and in violation of both federal and Texas state law. This trade line needs to be deleted from my credit file immediately.

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

State: TX

Zip: 76244

Submitted Via: Web

Date Sent: 2015-04-01

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1310568

Date Received: 2015-04-01

Issue: Cont'd attempts collect debt not owed

Subissue: Debt is not mine

Consumer Complaint: Hello, I have received notice on my XXXX and XXXX credit report stating that I owe {$660.00} to XXXX and this is impossible due I have currently have my cell phone, internet, home line through them for over 10 years. There must be a mix up somewhere. I called XXXX and they have no record of this, They dont want to lose a value customer over a misunderstanding somewhere but not on there end. Please look into this. This is affecting my reports. Thanks, XXXX XXXX

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

State: WI

Zip: 53208

Submitted Via: Web

Date Sent: 2015-04-03

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1310457

Date Received: 2015-04-01

Issue: Cont'd attempts collect debt not owed

Subissue: Debt is not mine

Consumer Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT!

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

State: TN

Zip: 38141

Submitted Via: Web

Date Sent: 2015-04-01

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1310107

Date Received: 2015-04-01

Issue: Disclosure verification of debt

Subissue: Right to dispute notice not received

Consumer Complaint: Never recieved notice of debt. Never receive communication that debt was opened in XXXX of 2014, checked my credit Report and this debt was reporting

Company Response:

State: NY

Zip: 11722

Submitted Via: Web

Date Sent: 2015-04-01

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.