ERC – CFPB Complaint ID 2566564

Date Received: 2017-07-06T00:00:00

Product: Credit card debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I received a call from ERC collections stating that my XXXX XXXX account had been sent to collections. They told me the outstanding balance was {$2100.00}. I told them I did n’t have that much money on hand but that I was willing to make payments for settle for a lesser amount to get it taken care of. ERC and I came to an agreement of {$1200.00} to settle the debt. I made sure ERC sent me a letter stating the debt would be settled in full once my payment was received. I went and got a cashiers check for {$1200.00} and sent it to them. About a month later, I noticed I still had a balance of my XXXX XXXX account. I called XXXX. They confirmed my account was in collections, that they were waiting on ERC to finish their part and that it usually takes one to two billing cycles to be complete. This was in XXXX and XXXX. It is now XX/XX/XXXX and I ‘m still getting letters from XXXX XXXX telling me I have past due payments. This account was settled on XX/XX/XXXX with ERC so I do n’t understand why I keep getting letters and emails stating that I ‘ve missed payments and still owe money. I also do n’t know if XXXX has been reporting missed payments to the Credit Bureaus. If they are, they are wrong and XXXX or ERC should be required to fix it.

Company: ERC

State/Zip: OK 740XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2566564

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