ERC Debt Help

6,107

Consumer Issues

There are 6,107 issues about ERC

99%

Acceptable Response Time

ERC responded to 6078 consumer issues in a timely manner

1151

Issues so far in 2018

1151 issues through April 25th, 2019. There were 1275 consumer issues in 2017.

ERC Debt collection

There are 6,107 consumer issues related to Debt collection

Last Updated: April 25th, 2019

If you are dealing with debt collection attempts from ERC, it is helpful to research their strategies.

We have archived 6,107 consumer complaints against ERC, as reported by the CFPB. It is important to remember that these complaints are not verified, although they provide great debt negotiation strategy insight by seeing how ERC deals with collecting debt from other consumers.

Should you want to file a complaint or speak to a debt help counselor, we are here for you.

Attempts to collect debt not owed

3,519 Filings

  • Debt is not mine: 2,300
  • Debt was already discharged in bankruptcy: 62
  • Debt was paid: 695
  • Debt was result of identity theft: 462

Debt Verification

1,582 Filings

  • Communications failed to disclose attempt to collect a debt: 69
  • Not enough info provided to verify debt: 1,012
  • Right to dispute debt notice not received: 501

False statements or representation

372 Filings

  • Attempted to collect wrong amount: 323
  • Impersonated an attorney or official: 5
  • Impersonated attorney, law enforcement, or government official: 8
  • Indicated committed crime not paying: 18
  • Indicated shouldn't respond to lawsuit: 5
  • Indicated you were committing crime by not paying debt: 12
  • Told you not to respond to a lawsuit they filed against you: 1

Harrassing Communications

362 Filings

  • Called after sent written cease communications: 17
  • Called outside of 8am-9pm: 19
  • Frequent or repeated calls: 246
  • Threatened to take legal action: 14
  • Used obscene, profane, or other abusive language: 19
  • You told them to stop contacting you, but they keep trying: 47

Improper contact or info sharing

134 Filings

  • Contacted me after I asked not to: 39
  • Contacted me instead of my attorney: 3
  • Contacted my employer: 13
  • Talked to a third party about my debt: 79

Took or threatened negative or legal action

138 Filings

  • Collected or attempted to collect exempt funds: 2
  • Seized or attempted to seize my property: 3
  • Sued you in a state where you do not live or did not sign for the debt: 2
  • Threatened arrest or jail if I do not pay: 13
  • Threatened or suggested your credit would be damaged: 106
  • Threatened to sue me for very old debt: 12

ERC Debt Settlement

If you are experiencing financial hardship and are unable to make payments to ERC, you may have the right to settle your debt for less than the full amount.

ERC Debt Management

If you are experiencing financial hardship and burdened by fees and interest, you may qualify to enter your debt with ERC into a debt management plan. The goal of a debt management plan, also known as credit counseling, is to repay the full amount with more beneficial terms to the consumer.

Debt collection / Other debt

To Whom This May Concern : Enhanced Recovery has

02/28/2019

To Whom This May Concern : Enhanced Recovery has placed a collection account on my credit report, as dated opened XX/XX/XXXX, original creditor - XXXX, Type - collection, first reported - XX/XX/XXXX, monthly payment - non reported, credit limit or original amount - {$1000.00}, high balance - not reported, recent balance - {$1000.00} as of

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Debt collection / Other debt

I recently found out due to signing up for a

ERC Attempts to collect debt not owed / Debt is not mine

02/27/2019

I recently found out due to signing up for a credit wise which shows and helps with your credit report that on XX/XX/2015 with a past due balance of XXXX my now ex partner opened a XXXX account in my name without my knowledge. He told me that the account was in his name and to also that the account had been paid in full bc I knew he had been behind

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Debt collection / Unknown

I recently received a copy of my credit report and

ERC Attempts to collect debt not owed / Debt is not mine

02/26/2019

I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am

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Debt collection / Other debt

The company that is attempting to collect from me

02/26/2019

The company that is attempting to collect from me is XXXX XXXX XXXX. After researching the company and inputting there information into the Department of Licensing and Regulatory Affairs website, I was informed that this is not a licensed company in the state of Michigan. After additional research I am now aware that they are not licensed to

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Debt collection / Unknown

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX

ERC Attempts to collect debt not owed / Debt was result of identity theft

02/26/2019

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I

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Debt collection / Other debt

I had a account that was closed with XXXX it was a

ERC Attempts to collect debt not owed / Debt was paid

02/25/2019

I had a account that was closed with XXXX it was a cable bill for equipment not returned after account was closed and handed over to collections I returned equipment in store. However my account was still open with the collections agency I sent a certified letter with receipt attached showing returned equipment letter was requesting validation of

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