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Enhanced Recovery Company [ERC]
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2.2 45 Reviews

Enhanced Recovery Company [ERC] Complaints Summary

14 Resolved
31 Unresolved
Our verdict: Engaging with Enhanced Recovery Company [ERC], which has a below-average resolution rate, demands caution. Thoroughly assess their service reviews and explore how they handle unresolved complaints. If you encounter issues, document your experiences meticulously and be persistent in seeking resolutions.
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Enhanced Recovery Company [ERC] reviews & complaints 45

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Enhanced Recovery Company [ERC] Complete jerks!

I called to pay my settlement amount and the woman stated that I now needed to pay more than was stated on the document sent on the letter. With no explanation she began yelling at me and stating that I should call back when I have enough money pay what owed. Telling me that I should be more responsible and own up to my debts which made no sense because I was calling to pay?

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stopthirdpartydebtcollectors
somewhere, US
Sep 18, 2009 11:46 pm EDT

There is a huge SCAM, a multimillion dollar SCAM, being forced on the american public!

And our legal system is in on it!

third party debt collectors!

When you stop paying on a credit card debt,
The original creditor is mandated by federal law, to charge-off an account when no payments have been received for 180 days.
That date is refered to as the �Date of Last Activity (DLA)’ and reported as such, to the credit reporting agencies by the creditor.

After they write it off, they "Bundle" all these uncollectable accounts and sell them for pennies on the dollar on the open market, this is where the 3rd party debt collectors come in.

They BUY a "BUNDLE" of this uncollected debt info from the original bank.

However what they buy is your name, account number, and what you owed to the original bank.

They rarely or never get your "original signed contract" with the credit card company, your last statement of payment on the account, and the original writeoff amount.

This is what they need to "PROVE" in court that they now have "TITLE" to your original debt.!

This information is usually sold several times within the "networks" still as a BUNDLE
of uncollectable debt!

They will harris you on the phone, send threating letters, saying that they represent
"XYC LLC" who now has title to your Bank of Bundi account in which you owe some
ridiculous amount.

First off the "XYC LLC" company is usually some "shell" company that the collection law firm has setup, because by law, the law firm itself cannot hold title and try to enforce a judgement against you.

So they have to "represent" a client who holds title, so they claim against you.

The law they are trying to collect on is "CONTRACT" law, , which requires them to have "the original signed contract", and the "deeds of transfer", indicating your account specifically with the "deeds of transfer", and a copy or original of your last statement, indicating your last payment on the account, and the "charge Off" amount. Which the original bank "wrote Off" its books.

They never have any of this information, what they present to the court is a hodge podge of information, a pasted piece from an excell spredsheet with your name, address ect, usually 2 pages sideways, "certifications" which are assembled by their own staff on their own computer systems, including usually an amount you owe which they assembled from their own computer system. From this "Budle" they bought for pennies on the dollar!

The problem is unless you "ANSWER THE LAWSUIT" Requiring you to file an answer to the suit, contesting the "CONTRACT CASE" Pay the $15.00 fee to the court, and Show up on the Date of the court hearing and contest the case by demanding that they supply the original contract, deeds of transfer, and last payment statement, "
indicating your account "specifically" and the "charge Off" amount...

They will request a default judgement from the Judge..and he will grant it!

I have specifically fought 3 cases against me, taking several court dates, time off from work, endless hours of waiting, but they realized
I knew what I was talking about and that they could't proof their case,
IE get over on me...and they dismissed their suits...
go here...http://www.budhibbs.com/index.html
here Collection Agencies Illegal Practices ~ New Jersey
http://caipnj.blogspot.com/
and here
http://www.geocities.com/presslerclub/

and here
http://www.debt-consolidation-credit-repair-service.com/forums/index.php

and here for a expose on tv
http://www.youtube.com/watch?v=NTVZ4rU2_84

The reason the courts are usually on their side is "MONEY"
each time they file its $15.00 fee, each time you answer its $15.00 fee,
multiply that times the thousands of collection cases and you can see how the courts make money..not to mention that its a "Buddy" system..

you can email us at stopthirdpartydebtcollectors@yahoo.com
for more info!

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Enhanced Recovery Company [ERC] - Criminal harassment!

Criminal harassment. I am looking for a consumer protection lawyer because ERC has been calling me daily for 8 months going on 9 months. Today I got 2 calls. They are looking for someone with a DIFFERENT: 1.) spelling of my first name 2.) spelling of my maiden name - not even the name I have gone by for 23 1/2 years 3.) ssn 4.) address. The only thing...

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Enhanced Recovery Company [ERC] Enhanced Recovery Corporation is incompetent

Thinking about hiring a debt collection company? I would avoid Enhanced Recovery Corporation like the plague. Although I have never been late on a debt, I received calls from this company daily for weeks. It was just an automated dialer. It didn't matter if I answered the phone, or called back the number they left, they never answered the phone. I left multiple messages for them, but never reached a human, even when I called a different number I found on their website. They never said who they were trying to reach at my number or why they were calling. Now, as someone trying to collect a debt, why would you hire a company too understaffed to talk to the people they are trying to collect from? Not to mention they were calling the wrong number the whole time. The only way I was able to reach a human to make them realize they had the wrong number was by using whois to find a number associated with the registration of their domain name. Otherwise they would have called my number forever and never collected the debt they are charging you to recover. Do they expect the people who owe money to go to such extreme and creative methods to find them? This company is incompetent, understaffed, and just plain evil.

Read full review of Enhanced Recovery Company [ERC] and 15 comments
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Alina Montalbano
,
Sep 19, 2007 12:00 am EDT

On Sept. 18th 2017

A rude and combative representative from this company called my residence and asked me if I knew one of two people. I did not confirm nor deny my familiarity with one of the names this person inquired about and instead asked what this was in regards to. She asked "Do you know them or not." This went on for quite a while. I spoke to her manager whose attitude explained the original callers bad behavior. At the end of this call he was now only rude and indigent he was speaking to me as if I had something to do with whatever they were trying to collect. Remember, I was listed as a reference according to them and I have nothing to do with the person who allegedly listed me as a reference. The manager, freely gave me his employees first and last name indirectly dared me to file a complaint. What recourse does a bystander have against this type of harassment. How can this type of bad behavior be legal. It is clear from the representative and the managers behavior that this type of treatment is a norm and not only tolerated but, in my opinion, encouraged. What rights does a bystander have against such terrible people.

Advise smb!

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Patricia L. Gecik
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Aug 22, 2007 12:00 am EDT

Enhanced Recovery Corporation has been continuously calling my house for me, for people that don't even live at my house after I sent them a Cease and Desist Letter. I taped the voicemails left on my machine for proof. I would like to collect the $1,000 for each offense but don't know how to go about this without having to payout any money. They don't even say what the debt is for.

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evangelineo
Sarasota, US
Mar 26, 2011 2:56 am EDT

how quick you are to criticize people who were turned over to collections for not paying credit card bills. most people do not choose to be in debt things happen like major illnesses which can cause people to be out of work and get behind it happens alot and could even happen to you. yes there are just plain losers out there who just don;t give a crap and need to be held accountable but calling people and talking to them like they are dirt is not right.

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American Lawyer
Moscow, US
Mar 17, 2011 9:17 pm EDT

Wow Jack, do you just have a forum response that you post? Not only did the complaintant mention that they were not the one the incured the debt but they also mentioned that the company admits that they were not the one who incured the debt but a reference. Also the complaintant never mentioned anything about being the customer of the service in question. So nothing in you comment actually applies to the complaint at hand. Also I hope that you do not treat the individuals that you contact in the same manner as you treat complaintents here, or else those individuals have a good claim against you for violation of the Fair Debt Collection Practices Act.

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ScoutB
Cedar Hill, US
Jun 11, 2010 3:30 pm EDT

This company continues to call my house (every 2 to 3 weeks) about a woman who has a similar sounding first name and lives in the same town. She has a different birthdate, address other than the town. I've called the number they leave on a message every time and have given up talking to the computer to have the number removed. I've started talking to a human to have it removed. Each time, I'm told, "this location just got the account, but we'll be glad to remove the number." I've asked them to please leave a note in the account about it which they've said that they've done However it continues month, after month, after month.

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AckeeTree
Saint Petersburg, US
Jun 12, 2009 4:25 pm EDT

It has to be illegal for a company to use voice mail in the way this company does. Your phone rings, there is a long silence on the line, just about when you are ready to hang up they come on with a recorded message. Giving instructions on what you must do. There is no time for you to actually collect the information they are giving unless you are sitting there with pencil and paper in hand. I don't think this is a genuine attempt to contact a debtor but rather a attempt to harass. There is no information given as to who they represent but rather its a important business matter. Maybe important to them, but not to me.

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damright
, US
Feb 06, 2009 2:07 pm EST

Yes ERC either by default or intentionally they are ignorance or arrogance. They act like law enforcment and bark to intemidate you. If you ask me they are there to collect certain percentage of any amount without any regard to the facts at any cost. That is how they make their living.

Any one who have a legitmate problem please report them to FTC.

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Aimee
,
Aug 13, 2008 9:32 am EDT

Sounds like Jack not only works for a collection agency but he is also perfect, imagine that!

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Brittany
,
Jun 13, 2008 4:35 pm EDT

Ok Wilma...let's talk about grammar first. Ok “d'ont” isn't a word. When putting the words "professional" and "debtor" together that makes “Professional Debtor“..definition: YOU! You need to get off your high horse and stop talking down to people to make yourself feel better, it's shameful. Now Wilma when you called ERC you probably had this same attitude and of course like any other human being, does not like being treated like this, including bill collectors. You are the reason we look bad because you call us being irate and what do you expect as a reaction from your behavior from again another human being? Wilma..look..as you can clearly see they definitely were not apologizing to you or any one of these "professional debtors"! Loose the attitude and you just might have positive results in your horrible excuse for human existence you call your life.

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Whitney
,
Jun 13, 2008 4:13 pm EDT

As a former employee of Enhanced Recovery Corporation, and also as somewhat of an expert regarding every collections State Law applicable to North America, I'll have you know that most of the "research" tips you give on the Complaints Board is completely false. The reason that the fines for breaking any of the state laws are so steep is because every employee there has been trained not to break them. Every phone call is completely legal, every word we say is part of a strict guide, and every rebuttal is completely within the guidelines of the FDCPA laws (since you don't accurately complete your research, I'll just let you know that that stands for the Fair Debt Collection Practices Act.) You can look that up.

As for the "unjust" phone calls that have repeatedly been deemed "harassing" are also completely legit. After three months of ignoring your Credit Card statements (which are actually a luxury, not required by law and should be accepted as such) and the proceeding three months that ERC holds rights to these accounts, I do believe that these "victims" have had plenty of time to come to terms with the reality of how bills work. You take someone's money, then cry when this person after six months asks for their money back? Not to mention that all of the collection steps are clearly stated on the Credit Card application that these innocent people are so eager to sign. My suggestion: If you don't readily have $10, 000, don't accept a credit card claiming you can pay someone that amount of money. Is that not common sense?

The term "Cold Call" is laughable at best, considering that all of the information given to us by Discover, MasterCard, Visa and American Express (Can you guess where this is going?) is given to us by *gasp* The Card holder. When you fill out that attractive piece of paper that gives you all this free money, you have to supply your Name, Social, Address, ect. We are not magical. We do not ask you for your Social for our pleasure, we verify it. And I literally laughed out loud when I read your advice on pretending to be said card holder to obtain information. Well isn't that just the pot calling the kettle black? You see Nick, in America, that's called fraud. Also you cannot record our phone calls unless you have asked our permission. There is no exception to this. We only record our phone calls because we include a declaimer informing you of our intent and purpose for calling, which is given in every call. (Much like you'll hear, should you call your cell phone provider or local bank.)

So, just to educate you Mr. Bleeker, as a former collections agent we do not wake up in the morning with a mental list of all the people that we want to make cry on our telephones. We do not enjoy being called names, being lied to or being evaded. We have families and lives and feelings and we also pay our bills on time. We are not in the wrong. Personally, I have spoken with many people who have simply fallen on hard times and could not foresee what was going to happen. In which case I pull as many strings as I can find to get these people a low settlement (which is not an option by the way, with their CCD provider) If any of the people on this Complaint Board had called this company and rationally explained their situation with intent to pay (Not to mention if they had simply paid their bills in the first place) nine times out of ten they would have walked away paying MUCH less than they owed. This to me sounds like a huge favor our company is doing for them. And just to be clear, when life gets tough, you still have rent to pay and your children are still hungry. Delinquent card holders expect bills to take a few months off. Now where was the small writing on the application that said THAT would happen? Right next to the small writing that said life was going to be easy? I thought so.

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Enhanced Recovery Company [ERC] - Why such rudeness?

Years ago I had a Spiegel credit card... And like most women I used it! However, I was in a dispute with them at some point for fraudulent charges... after some time and a never ending battle... the communication stopped... I had yet to hear back from Spiegel. Turns out Spiegel filed for Bankruptcy. After a couple years I forgot all about it... no...

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Enhanced Recovery Company [ERC] - Harassing people and extorting them for money!

These guys called me and left a message with one of my children claiming that they were returning my call (untrue) and needed to speak with me right away about some information I had requested (untrue). I called and spoke with a gentleman who claimed I owed over $600 to a company called Performance Auto and now Genesis Financial, neither of whom I have ever...

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