Compiled from Public Data by FairShake
The US government’s Consumer Financial Protection Bureau (CFPB) collects complaints against financial companies.
In 2019, the CFPB received 1212 complaints against ERC. ERC ranked Number 28 among all financial companies for the most complaints.
Date of Complaint: December 15, 2019
Company Official Name: ERC
State: GA
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
Full Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there’s a balance indicating on the document whether¬†it’s a charge off? The balance is in fact wrong, please make sure to reverse¬†it to XXXX or remove the item fully. Please also produce¬†documentation to¬†verify all the charges and credits in this supposed account that caused to the¬†extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my¬†rights honored within the fair credit billing act. If you fail to give these details¬†per my civil rights petition, please make sure you quickly remove this specific¬†wrong posting.
Response Type: Closed with explanation
Date of Complaint: December 16, 2019
Company Official Name: ERC
State: NY
Product: Debt collection
Sub-Product: Other debt
Issue: Written notification about debt
Sub-Issue: Didn’t receive enough information to verify debt
Full Complaint:
Dear ERC Enhanced Recovery Company Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report.
XXXX XXXX PARTIAL ACCT # # XXXX XXXX PARTIAL ACCT # XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Name : XXXX XXXX XXXX Account # XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {0.00} Date Updated : XX/XX/XXXX Original Amount : {0.00} Original Creditor XXXX XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {0.00} Date Updated : XX/XX/XXXX Original Amount : {0.00} Original Creditor : XXXX Past Due : > $ XXXX
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: December 15, 2019
Company Official Name: ERC
State: CA
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
Full Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there’s a balance indicating on the document whether¬†it’s a charge off? The balance is in fact wrong, please make sure to reverse¬†it to XXXX or remove the item fully. Please also produce¬†documentation to¬†verify all the charges and credits in this supposed account that caused to the¬†extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my¬†rights honored within the fair credit billing act. If you fail to give these details¬†per my civil rights petition, please make sure you quickly remove this specific¬†wrong posting.
Response Type: Closed with explanation
Date of Complaint: December 16, 2019
Company Official Name: ERC
State: TN
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: December 14, 2019
Company Official Name: ERC
State: TX
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: December 12, 2019
Company Official Name: ERC
State: NV
Product: Debt collection
Sub-Product: Other debt
Issue: Written notification about debt
Sub-Issue: Didn’t receive enough information to verify debt
Full Complaint:
on XX/XX/XXXX the account # XXXX WAS OPEN and the amount of {00.00} was sent to collection THE LASS UPDATE WAS ON THIS ACCOUNT WAS ON XX/XX/XXXX
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: December 14, 2019
Company Official Name: ERC
State: IA
Product: Debt collection
Sub-Product: Credit card debt
Issue: Communication tactics
Sub-Issue: Frequent or repeated calls
Full Complaint:
I have had repeated calls from this company after I told them I disputed the debt through the original company as well as them. They continue to call without verifying first which violates the fair debt collection practices.
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: December 16, 2019
Company Official Name: ERC
State: OH
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: December 14, 2019
Company Official Name: ERC
State: LA
Product: Debt collection
Sub-Product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
Response Type: Closed with explanation
Public Response:
Company believes it acted appropriately as authorized by contract or law
Date of Complaint: December 13, 2019
Company Official Name: ERC
State: SC
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
Full Complaint:
I received a letter from this company ERC stating that I have an option to pay in three payments. The letter does not state that it is a settlement. I have never doe business with this company. This bill is not correct. I have already discussed with XXXX XXXX XXXX that the balance is in accurate. They have a rep that no longer works there who added features and lines of service that I did not ask for. When I would go to the store to get the issue resolved, he said he would handle it and not to worry about my bill. Every month bill seemed to get higher and higher. Another rep promised me that they would resolve the mistakes because the previous rep was fired. That never happened so I canceled my services. I promised to pay the disconnect fees of {0.00} totaling 4 lines. A week later I received a bill for XXXX. This has also happened to my elderly father after he had a XXXX XXXX and his bill is higher that this. The company is running an unethical business.
Response Type: Closed with explanation
FairShake accessed this complaint from the public archives of the Consumer Financial Protection Bureau (CFPB). You can file your own complaint with the CFPB here.