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: 2774592

Date Received: 2018-01-07

Issue: Written notification about debt

Subissue: Didn't receive enough information to verify debt

Consumer Complaint: I have never received any communication via email, mail, or phone to validate this debt and therefore dispute this debt against XXXX XXXX XXXX and XXXX. Also, upon further investigation, this company reports multiple ways with the credit bureaus. With XXXX, they report as XXXX XXXX XXXX. However, with XXXX, they report as XXXX XXXX XXXX. In the XXXX of North Carolina, collection agencies are required to be licensed and/or registered with the Secretary of State. XXXX XXXX XXXX is currently under a WITHDRAWN status.

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

State: NC

Zip: 27407

Submitted Via: Web

Date Sent: 2018-01-07

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: 2773633

Date Received: 2018-01-06

Issue: Communication tactics

Subissue: Used obscene, profane, or other abusive language

Consumer Complaint: Date opened : XXXX Last Date reported : XXXX Collection amount : {$970.00} Balance : {$940.00} Action taken by company : To many phone calls, not nice at all, pressure tactics and very rude.

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

State: CA

Zip: XXXXX

Submitted Via: Web

Date Sent: 2018-01-06

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: 2773464

Date Received: 2018-01-05

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: I contacted XXXX XXXX on XXXX XXXX 2018 and this for sure is not my account.

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

State: WA

Zip: XXXXX

Submitted Via: Web

Date Sent: 2018-01-05

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: 2773256

Date Received: 2018-01-05

Issue: Written notification about debt

Subissue: Didn't receive enough information to verify debt

Consumer Complaint: I had been paying XXXX XXXX XXXX for 1 1/2 years. Till I received back 2 months payments saying another collection agency had bought my account. ( ERC ) They automatically started reporting negative on all 3 credit agencies. ****WAS NOT AWARE OF MY RIGHTS****** I sent ERC a certified letter of validation. What they responded back with is NOT in anyway 1 ) validating the debt is mine 2 ) And or in any shape a validation of prove of the charges. They are charging me a one time {$600.00} fee and a total of {$5500.00} They are not even deducting all the payments I made the last 1 1/2 years!!! TOTAL RIP OFF!!!

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

State: CA

Zip: 92808

Submitted Via: Web

Date Sent: 2018-01-05

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: 2773062

Date Received: 2018-01-05

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: I disputed this listing with a credit bureau and it was removed. In XXXX 2017, it was placed back on my credit again listing different information. I 've disputed it once again with XXXX and am waiting on results. I 've also disputed this with ERC, the credit bureau making the claim.

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

State: CA

Zip: 90029

Submitted Via: Web

Date Sent: 2018-01-05

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: 2772585

Date Received: 2018-01-04

Issue: Written notification about debt

Subissue: Didn't receive notice of right to dispute

Consumer Complaint: This account is listed on my credit report as being opened on XXXX/XXXX/2017, for {$450.00}. i did not authorize any purchases to this company ( XXXX ) and this debt collection agency is not licensed in my state to collect this debt.

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

State: IL

Zip: 608XX

Submitted Via: Web

Date Sent: 2018-01-04

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: 2772527

Date Received: 2018-01-04

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: ERC had been contacted along with their client, numerous times by me in attempt to resolve this issue but have been ignored and this false negative report is and has prevented me from getting the needed score to obtain loans for my business, which is and has been leading to ongoing losses in my business.

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

State: TX

Zip: 752XX

Submitted Via: Web

Date Sent: 2018-01-04

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: 2771629

Date Received: 2018-01-04

Issue: Communication tactics

Subissue: You told them to stop contacting you, but they keep trying

Consumer Complaint: I have told this company ( ERC Holdings LLC located at XXXX XXXX XXXX XXXX, FL XXXX ) several times on RECORDED LINE to Cease and Desist contacting my phone number. The Debt Collector is using a similar debtor name attempting verification of a debt not owed by me. My phone number is NOT listed, and, for them to obtain my number is using illegal privacy invasive methods on an innocent. This company was warned to remove my number, and, at the time they said the number was being deleted, however the harassment continues. I have maintained a call log with caller identification to show this harassment to the CFPB, FTC and Attorney General. This federal complaint serves as written demand to CEASE AND DESIST. I do NOT verify any debt. Any further contact " written, electronic, or by phone will be viewed as ILLEGAL. I will take full advantage of Federal Law and take legal action if these wrong attempts do not immediately stop.

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

State: IN

Zip: 46368

Submitted Via: Web

Date Sent: 2018-01-04

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: 2771361

Date Received: 2018-01-03

Issue: Written notification about debt

Subissue: Didn't receive enough information to verify debt

Consumer Complaint: In XXXX 2017, I mailed XXXX XXXX in XXXX FL for debt validation, but instead company never sent information regarding debt that was requested in validation letter but I get a notification from XXXX that they refreshed debt saying the debt was opened in XXXX 2017 which is false.I disputed this collection all of 2017 but no response from the company.It was deleted by the major credit bureaus before but company re added debt but changed the opened date on the account to reage debt which is illegal

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

State: FL

Zip: 32210

Submitted Via: Web

Date Sent: 2018-01-03

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: 2770969

Date Received: 2018-01-03

Issue: Threatened to contact someone or share information improperly

Subissue: Talked to a third-party about your debt

Consumer Complaint: On XX/XX/17 around XXXX XXXX a Co Worker contacted me that ERC had contacted him about a debt they say I owe. I immediately contacted ERC and spoke to an associate named XXXX. I expressed to him if he had a debt with me send a written letter to my address. The guy he contacted was not even in management and was at home for the holiday break.

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

State: AL

Zip: 360XX

Submitted Via: Web

Date Sent: 2018-01-03

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.