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ERC – CFPB Complaint

By on May 7, 2018
Consumer Complaint Submission

Date Received: 2018-04-26T00:00:00

Product: Other debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I am in receipt of your companys letter informing me you are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between ENHANCED RECOVERY COMPANY and myself, XXXX XXXX, which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation. This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question. Your failure to respond and provide strict proof of contract will constitute your tactic agreement that XXXX XXXX XXXX XXXX XXXX, are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : 1. File a complaint with the Attorney General. 2. File a complaint with the FTC, 3. File a lawsuit against you in U.S. Courts for Harassment, fraud and invasion of privacy and attempt extortion. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist all collection effects and immediately remove my account from your office database. In the event you transfer this account to an attorney without providing proof of contract, he will be immediately reported the STATE BAR ASSOCIATION and the PROFESSIONAL LIABILITY FUND for code of ethics violations. Please check the age date on this account. Look up DOLA ( Date of last activity ) and see the Statue of Limitations by Law makes this account unable to be collected. Please Cease and Desist all collection efforts and communications. You may inform me that this account has been removed from your office files and records as requested within the 30 days.

READ  Navient Solutions - CFPB Complaint

Company: ERC

State/Zip: OH 432XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2888733

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

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