August 2016 Complaints Against ERC

Compiled from Public Data by FairShake

If you have an issue with ERC, you’re not alone.

The US government’s Consumer Financial Protection Bureau (CFPB) collects complaints against financial companies.

In 2016, the CFPB received 981 complaints against ERC. ERC ranked Number 27 among all financial companies for the most complaints.


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Complaint Details:

Date of Complaint: August 3, 2016

Company Official Name: ERC

State: CA

Product: Debt collection
Sub-Product: Other (i.e. phone, health club, etc.)

Issue: Cont’d attempts collect debt not owed
Sub-Issue: Debt is not mine

Complaint Tags: Servicemember

Company response:

Response Type: Closed

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


Complaint Details:

Date of Complaint: August 6, 2016

Company Official Name: ERC

State: MA

Product: Debt collection
Sub-Product: Other (i.e. phone, health club, etc.)

Issue: Cont’d attempts collect debt not owed
Sub-Issue: Debt is not mine

Full Complaint:
Received collection letter dated XXXX XXXX, 2016 stating unpaid balance of {.00} for alleged account with XXXX XXXX XXXX, XXXX. No account exists, nor has ever existed. Moreover, the municipality in which I reside has contract with XXXX XXXX, therefore impossible to have an outside account.

Company response:

Response Type: Closed with non-monetary relief

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


Complaint Details:

Date of Complaint: August 3, 2016

Company Official Name: ERC

State: TX

Product: Debt collection
Sub-Product: Other (i.e. phone, health club, etc.)

Issue: Cont’d attempts collect debt not owed
Sub-Issue: Debt is not mine

Full Complaint:
Enhanced Recovery Group has reported a collection action to all XXXX credit reporting companies on behalf of XXXX for {0.00} as of XXXX XXXX. I know nothing about the account, services provided, I did authorize or guaranty any account with XXXX. I have never received a bill, statement or demand for payment, description of time and place of services, etc. I have been turned down for a home equity loan by XXXX which is how this came to my attention. The only other negative filing on my report is XXXX 30 day late payment on a revolving account. I have repeatedly requested that all XXXX reporting companies to remove the erroneous and fraudulent filing from my reports. The only response I have received is to note that I dispute the collection action and that it will remain on my reports until XXXX XXXX. My primary remaining remedy, other that filing a lawsuit, would be to file documentation supporting my position. What documentation might that be? In other words what documentation could I be in possession of in connection with an account that I have no knowledge of?

Company response:

Response Type: Closed

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


Complaint Details:

Date of Complaint: August 5, 2016

Company Official Name: ERC

State: CA

Product: Debt collection
Sub-Product: I do not know

Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount

Full Complaint:
I got the attached letter in the mail for a debt which I did not commit. I believe there are false statements on the letter.

I have never had a XXXX account.

Complaint Tags: Older American, Servicemember

Company response:

Response Type: Closed

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


Complaint Details:

Date of Complaint: August 3, 2016

Company Official Name: ERC

State: IN

Product: Debt collection
Sub-Product: Other (i.e. phone, health club, etc.)

Issue: Cont’d attempts collect debt not owed
Sub-Issue: Debt is not mine

Complaint Tags: Servicemember

Company response:

Response Type: Closed with non-monetary relief

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


Complaint Details:

Date of Complaint: August 4, 2016

Company Official Name: ERC

State: TX

Product: Debt collection
Sub-Product: Other (i.e. phone, health club, etc.)

Issue: Cont’d attempts collect debt not owed
Sub-Issue: Debt resulted from identity theft

Company response:

Response Type: Closed

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


Complaint Details:

Date of Complaint: August 7, 2016

Company Official Name: ERC

State: NC

Product: Debt collection
Sub-Product: I do not know

Issue: Disclosure verification of debt
Sub-Issue: Not given enough info to verify debt

Full Complaint:
I have asked Enhanced Recovery to validate a collection they are reporting on my credit reports from XXXX/XXXX/16 to XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n’t fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response:

Response Type: Closed with non-monetary relief

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


Complaint Details:

Date of Complaint: August 4, 2016

Company Official Name: ERC

State: OH

Product: Debt collection
Sub-Product: Other (i.e. phone, health club, etc.)

Issue: Cont’d attempts collect debt not owed
Sub-Issue: Debt is not mine

Company response:

Response Type: Closed

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


Complaint Details:

Date of Complaint: August 3, 2016

Company Official Name: ERC

State: PA

Product: Debt collection
Sub-Product: Other (i.e. phone, health club, etc.)

Issue: Disclosure verification of debt
Sub-Issue: Not given enough info to verify debt

Company response:

Response Type: Closed

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


Complaint Details:

Date of Complaint: August 4, 2016

Company Official Name: ERC

State: FL

Product: Debt collection
Sub-Product: Other (i.e. phone, health club, etc.)

Issue: Cont’d attempts collect debt not owed
Sub-Issue: Debt is not mine

Full Complaint:
Employee at XXXX said that I did not owe a fee since I paid XXXX months fee as well as last months fee upfront when I first signed up. I cancelled the actual membership in the gym and they said I did not owe anything after that. Now I owe {.00} dollars which I never received a letter in the mail saying that is what I owe so that I could dispute it. This gym is just trying to scam me with nonsense fees that I was not even aware of because of lack of knowledge from employees. I have a good credit score from all the years that I ‘ve made payments at the right time. This is not a debt that I owe. The gym shut down so there is no way of me contacting someone with this issue. Now the debt collector is starting to call my place of work.

Company response:

Response Type: Closed

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


FairShake accessed this complaint from the public archives of the Consumer Financial Protection Bureau (CFPB). You can file your own complaint with the CFPB here.

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