ERC


If you believe a complaint deserves more attention hit the up arrow, or hit the down arrow if you find it less important.
"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: 2778331

Date Received: 2018-01-10

Issue: Written notification about debt

Subissue: Didn't receive notice of right to dispute

Consumer Complaint: I have a collection for XXXX from XXXX XXXX XXXX. I 've never heard or have done any business with this company.

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

State: NY

Zip: 121XX

Submitted Via: Web

Date Sent: 2018-01-10

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 2778037

Date Received: 2018-01-11

Issue: Written notification about debt

Subissue: Didn't receive notice of right to dispute

Consumer Complaint: I had XXXX I 'm not sure when I contracted but when I did the installer had to enter my home through the attic. The room where the attic is located in a room I rarely enter so I did n't notice that the installer damaged my property until later. I notified XXXX on a call to them while addressing another issue be it there poor service which went out quite often or an occasion where a representative was very rude to me and refused to transfer and I had to escalate the call. At any rate, I ended up canceling the service when they renigged on offering a payment plan and then said they did n't and it was just one thing after the next. They threatened to take funds out of my account which I did n't have and said that is what I agreed and then refused to send me the contract. When I mentioned the damage they then sent me on a wild goose chase to file a claim for which the company has no affiliation with them. Some of the interactions were just simply unprofessional and not very helpful. When I finally received a call from a collection company I informed them of the damage and advised that I was disputing the amount which is {$100.00} and asked if I needed to place the information in writing the representative stated no. I did n't receive any additional calls from them. It 's the New Year so I wanted to take a gander at my XXXX and low and behold who has placed a Collections on my file. I am still in dispute with this and feel that they should have investigated this claim that their employee damaged my property. Then they damage my credit this is unfair treatment but this is how they have been treating me since I 've made my claim. Please investigate XXXX and the Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. You attention is greatly appreciated.

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

State: VA

Zip: 23324

Submitted Via: Web

Date Sent: 2018-01-11

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 2777957

Date Received: 2018-01-10

Issue: Written notification about debt

Subissue: Didn't receive enough information to verify debt

Consumer Complaint: This debit was deleted by previous collect due to them being unable to verify debt. Now it looks as tho they have sold debit to another third party reappearing as a new collection.

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

State: NC

Zip: 28262

Submitted Via: Web

Date Sent: 2018-01-10

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 2777839

Date Received: 2018-01-10

Issue: Written notification about debt

Subissue: Didn't receive notice of right to dispute

Consumer Complaint: ERC on XXXX-2017 that negative item was placed on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Requested ERC to remove incorrect information off my credit report. More importantly, ERC are in violation of FACTA section 623 ( A ) ( 7 ). Never received any mail from ERC.

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

State: PA

Zip: 19140

Submitted Via: Web

Date Sent: 2018-01-10

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 2777341

Date Received: 2018-01-11

Issue: Written notification about debt

Subissue: Didn't receive enough information to verify debt

Consumer Complaint: My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX1961 Address is XXXX XXXX XXXX XXXX tx XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine.

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

State: TX

Zip: 75081

Submitted Via: Web

Date Sent: 2018-01-11

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 2777332

Date Received: 2018-01-09

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: I have been going in circles for almost 2 weeks with trying to get services with atnt uverse. I have been transferred over and over and no one can help me. I was told to call the ERC Collections and once I called I told them I need proof that the balance of XXXX is removed and not owed. They say they cant provide a letter so now atnt cant help me even though they were the ones who sent me there. All I am trying to do is get services. I have checked all credit reports and it 's been removed. ERC has now all of a sudden decided to make a new bogus account and today they said that XXXX should already have on file that I do not owe anything but once again I called today and XXXX cant help me so I can get services. I have informed that I have a police report that it 's not my charge, but for some reason, thats still not good enough. What other evidence do I really need to prove? They say all calls are recorded and monitored, so in that case, ERC needs to replay their recordings and hear how I have been treated. Also after being on hold for 10 mins becasue the agent said he will ask his boss can I get a letter stating I do not owe, he then came back on the phone and said no, and that he has another account number for me, so now when I use to log in ERC page before yesterday, I got a message that says the account has been stopped, now when I login it leads me to a page that wants me to start a dispute with them. This is very illegal there is no way I had a new account in 10 mins.

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

State: TN

Zip: 38002

Submitted Via: Web

Date Sent: 2018-01-10

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 2777045

Date Received: 2018-01-09

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: I receive a notice from XXXX XXXX in XXXX that XXXX XXXX XXXX have place a XXXX bill in collection for {$290.00}. First i never received a validation notice to inform me of this matter before they just place the account in collection and on my credit report. I immediately sent them a I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it.This company has reported this collection account to XXXX XXXX and XXXX XXXX that stated I owe them in the amount of {$290.00}. I have received a return mail letter stating this account is valid. However they did NOT send adequate information that needed to validate this debt. I asked for the original contract with my sign date and signature. They just sent me a bill

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

State: GA

Zip: 30144

Submitted Via: Web

Date Sent: 2018-01-09

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 2776848

Date Received: 2018-01-09

Issue: Communication tactics

Subissue: Frequent or repeated calls

Consumer Complaint: I, MR XXXX. OWNER OF THE PHONE # XXXX, HAVE BEEN RECEIVING NUMEROUS CALLS FROM, ERC COLLECTION AGENCY [ XXXX ], REF # XXXX XXXX THEY'R CALLS TO MY PHONE # ARE ASKING FOR A ..MR XXXX XXXX XXXX, NOT KNOWN NOT AT THIS PHONE # I, HAVE REGERSTERED A COMPLANT WITH F.T.C. ON X/X/18, REF # XXXX AND ALSO CONTACTED THIS ERC AGECY, TALKED TO A MANAGER PLEADING TO STOP HARRASSING US ON THE ABOVE DATE. TODAYX/XX/2018 AT XXXX XXXX, I RECEIVED ANOTHER CALL WITH THE SAME THREAT/NOTICE OF COLLECTION, FROM THE SAME ERC/PHONE # AND REF # AS LISTED ABOVE. I BEG FOR YOUR INTERVENTION TO THIS HARRASSING CONDITION XXXX XXXX X/X/2018

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

State: MD

Zip: 20906

Submitted Via: Web

Date Sent: 2018-01-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 2776685

Date Received: 2018-01-09

Issue: Incorrect information on your report

Subissue: Account status incorrect

Consumer Complaint: XXXX agreed to delete account XXXX because it was paid in full XXXX XXXX. XXXX was contacted on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX and on all three occasions I was told by representatives ( XXXX, XXXX ) that they sent a request to XXXX XXXX XXXX to delete this account XXXX. When I called XXXX XXXX on the dates of XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX I was told that XXXX never sent a request for deletion. XXXX stated they have sent MULTIPLE request to XXXX XXXX XXXX to delete this account that was paid if full but XXXX XXXX still have not deleted this account.

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

State: GA

Zip: 30327

Submitted Via: Web

Date Sent: 2018-01-09

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 2776540

Date Received: 2018-01-09

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: i contacted ERC on X/X/2018 to find where the debt was coming from and they couldnt find anything that supported the reference number i provided. they also searched by phone numbers, address, and social and got no results. i have no knowledge of any amounts of to a XXXX XXXX in the amount of {$330.00}.

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

State: TX

Zip: 75104

Submitted Via: Web

Date Sent: 2018-01-09

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.