ERC


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"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: 2093964

Date Received: 2016-09-02

Issue: Cont'd attempts collect debt not owed

Subissue: Debt is not mine

Consumer Complaint: I wrote to XXXX and called numerous times. Calling was not possible as I would get put on hold and then hung up on. finally I wrote to them and informed them that I was discontinuing my service. They continued to bill me and now it has been sent to a second collection agency, ERC. The first collection, XXXX, only responded to my correspondence by sending me a statement. No help as it showed a service I had discontinued. Please have them reveal my document to you and not report me to a collection agency. Thank You.

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

State: CA

Zip: 90277

Submitted Via: Web

Date Sent: 2016-09-02

Company Response to Consumer: Closed

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 2093829

Date Received: 2016-09-02

Issue: False statements or representation

Subissue: Attempted to collect wrong amount

Consumer Complaint: I keep getting bills from XXXX trying to collect an amount the is NOT correct. XXXX removed the items from collection status and sold the bill to a collection company now they are trying to collect on a debt that is not correct. There has to be a lawsuit for this.

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

State: NJ

Zip: 07047

Submitted Via: Web

Date Sent: 2016-09-02

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: Yes


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Complaint ID: 2093691

Date Received: 2016-09-02

Issue: Cont'd attempts collect debt not owed

Subissue: Debt is not mine

Consumer Complaint: I 've tried to contact ERC regarding a XXXX bill from XXXX XXXX. It was briefly removed through a challenge, but now it 's back. I 've had a XXXX phone since XXXX. I have emailed and called asking for proof that this is my account, but I have not heard back. This is my last resort. The collection is for {$350.00}, but I have not seen any documentation. I only have 10 days left on free credit monitoring from XXXX, after which I will have no way knowing if it 's still reporting. Thank you.

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

State: OH

Zip: 45239

Submitted Via: Web

Date Sent: 2016-09-02

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 2093523

Date Received: 2016-09-02

Issue: Communication tactics

Subissue: Threatened to take legal action

Consumer Complaint: calls about family members credit using legal threats and abusive language. this person has never lived with me at this address.

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

State: FL

Zip: XXXXX

Submitted Via: Web

Date Sent: 2016-09-02

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 2091987

Date Received: 2016-09-01

Issue: Problems when you are unable to pay

Subissue:

Consumer Complaint: ERC has been asked to please stop calling my place of employment and correspond via mail. I asked them politely..

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

State: AZ

Zip: 85037

Submitted Via: Web

Date Sent: 2016-09-07

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 2089528

Date Received: 2016-08-31

Issue: Disclosure verification of debt

Subissue: Not given enough info to verify debt

Consumer Complaint: Unknown item, I have disputed and nothing has been received. I do not owe an XXXX bill nor have I had one in many years.

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

State: TX

Zip: 78132

Submitted Via: Web

Date Sent: 2016-08-31

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 2088957

Date Received: 2016-08-30

Issue: Cont'd attempts collect debt not owed

Subissue: Debt is not mine

Consumer Complaint: I left XXXX at the end of my contract, I called and verified my contract was over and I was paid in full. A few months later they called saying I owed money, I explained i did not. They turned me over to a collections agency, I explained this to them now 6 years later they filed a derogatory mark on my credit lowering it by almost XXXX points I now went from excellent credit to good credit status. I did everything I was supposed to in order to leave XXXX going as far as contacting them to make sure we were all square. To come up with some phantom bill months later for lousy {$150.00} is ridicules. It is not the {$150.00} it is the principle of lying to it 's customers because they are leaving for another company. Now six years later to have my credit ruined because of this is maddening. Any help would be great, thank you.

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

State: MA

Zip: 01960

Submitted Via: Web

Date Sent: 2016-09-02

Company Response to Consumer: Closed

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 2088366

Date Received: 2016-08-30

Issue: Cont'd attempts collect debt not owed

Subissue: Debt is not mine

Consumer Complaint: I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into an agreement with this company that indicates they have provided me with goods and that I agreed to pay

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

State: TN

Zip: 37217

Submitted Via: Web

Date Sent: 2016-08-30

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 2087362

Date Received: 2016-08-31

Issue: Cont'd attempts collect debt not owed

Subissue: Debt was paid

Consumer Complaint: I was denied a loan due to an erroneous collection on my credit report. My bank informed me of this collection on my credit report from ERC from XXXX XXXX XXXX in the amount of {$410.00}. I was never contacted by phone, mail, or email by them about any money I owed. When I tried to call the number listed on the credit report it was not a valid number. I decided to search on XXXX and it showed many claims of fraud. I do not have any outstanding bills for this amount and do not owe them money. As this is causing negative marks on my credit, I would like for this to be completely removed from all XXXX credit bureaus, promptly. I have an attorney that is ready to represent me with a law suit if this is not taken care of. These negative marks have caused me to be denied for a loan. I want this taken care! I have disputed this account over and over and never get validation or proper documentation. TAKE THIS OFF MY CREDIT!!!

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

State: CO

Zip: 80013

Submitted Via: Web

Date Sent: 2016-08-31

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 2084651

Date Received: 2016-08-27

Issue: Cont'd attempts collect debt not owed

Subissue: Debt was paid

Consumer Complaint: This was on an account that is over 2 years old. I moved from one place to another. I cancelled my XXXX account and asked them to send me a box to send their equipment back. It took XXXX different boxes to send it back. When I did I got a receipt and kept it. I still have it. This is the second time that I am having to dispute this on my credit report they just keep sending it back to collections. I am very upset about this. I do n't owe them anything. They even said I did n't and sent me back a refund check with there apologies. How does this keep happening?

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

State: KY

Zip: 42101

Submitted Via: Web

Date Sent: 2016-08-31

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.