Debt collection -- Communication tactics -- Complaint #4501891
Complaint Overview
Complaint ID: 4501891
Company: Erc
Product: Debt collection
Sub-Product: I do not know
Issue: Communication tactics
Sub-Issue: Used obscene, profane, or other abusive language
State: Texas
ZIP Code: 77071
Date Received: 2021-06-29T12:00:00-05:00
Date Sent to Company: 2021-06-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2021, at XXXX XXXX ERC called me asking me to verify my identity. After asking the representative several times who she was calling on the behalf of, she stated ERC. I wasn't familiar with the acronym ERC. I then ask her what did ERC stand for, she demanded I verify my identity before she would give me any more information. After the phone call ended I did research and found that the company ERC was a debt collector. According to 15 USC 1692c ( a ) without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 USC 1692c ( 1 ) At any unusual time or place or at time or place known or which should be known to be inconvenient to the consumer. 15 USC 1692c ( 3 ) At the consumer place of employment.
Frequently Asked Questions
What is Complaint #4501891 about?
Complaint #4501891 was filed against Erc regarding Debt collection specifically about Communication tactics. It was received by the CFPB on 2021-06-29T12:00:00-05:00.
How did Erc respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Erc?
Yes, visit the Erc company profile at readthecomplaint.com/company/erc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.