CFPB Complaint

ERC – CFPB Complaint 2017-06-05

Consumer Complaint Submission

Date Received: 2017-06-05

Product: Other debt

Issue: Took or threatened to take negative or legal action

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I have received a letter from ERC o n XXXX XXXX 2017 claimin g that … I owe money to XXXX XXXX and to my recollection I have never used XXXX XXXX in the past and I do n’t ever recall having XXXX XXXX at my house in the last 9 years.

Creditor : XXXX XXXX Original Creditor : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount of Debt : {$50.00} Reference Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTION NOTICE Our records indicate that your balance with XXXX XXXX remains unpaid ; therefore your account has been placed with ERC for collection efforts. Upon receipt and clearance of {$50.00}, your account will be closed and collection efforts will cease. Yo u may be eligible to reactivate your service with XXXX XXXX . If you still have your equipment, yo u may only be re quired to pay a portion of your balance in order to reactivate. We can walk you through these simple steps to reactivate, simply call ( XXXX XXXX XXXX . This letter serves as notification that your delinquent accoun t may be reported to the national credit bureaus. Unless you dispute the validity of the debt, or any portion thereof, within 30 days after your receipt of this notice, the debt will be assumed to be valid by us.

View st atements, pay your balance, and manage your account online at XXXX Telephone : ( XXXX ) XXXX Toll Free. All calls are recorded and may be mo nitored for training purposes. Send correspondence to : ERC, XXXX . XXXX XXXX , XXXX , FL XXXX Office Hours ( Eastern Time ) : Mon-Thurs : XXXX XXXX XXXX , Fri : XXXX XXXX – XXXX XXXX , Sat : XXXX XXXX – XXXX XXXX This is an attempt to collect a debt. Any information obtained will be used for that purpose. NOTICE SEE REVERSE SIDE FOR IMPORTANT NOTICES AND CONSUMER RIGHTS Please do not send correspondence to this address. XXXX XXXX XXXX , XXXX XXXX XXXX , PA XXXX XXXX XXXX 2017. R e ference Number XXXX XXXX XXXX XXXX XXXX XXXX Amount of Debt {$50.00} XXXX XXXX XXXX XXXX XXXX , IL XXXX On the back Federal Validation Notice Our Corporate Address ERC XXXX XXXX XXXX XXXX , FL XXXX

READ  PORTFOLIO RECOVERY ASSOCIATES INC - CFPB Complaint ID 2546850

Company: ERC

State/Zip: AZ 853XX

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Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2502099

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.

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.




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