Debt collection -- Attempts to collect debt not owed -- Complaint #5037519
Complaint Overview
Complaint ID: 5037519
Company: Erc
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Maine
ZIP Code: 04103
Date Received: 2021-12-23T12:00:00-05:00
Date Sent to Company: 2021-12-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
We were contacted by phone, before XXXX XXXX ( outside of traditional business hours ) by a collections agency called ERC, claiming to represent a receivable owed by us to cable provider XXXX XXXX dating to our move from XXXX XXXX XXXX in 2020. We do not and have never owed any money to XXXX. Indeed, since they bill in advance, it's more likely that they owe us a pro-rated refund. This has been explained to a previous collections agency, but the alleged and invalid receivable seems to have been resold. The ERC representantives were rude and XXXX, calling outside of normal business hour and demanding information without properly disclosing that any personal information offered would be used to attempt to collect the alleged debt.
Frequently Asked Questions
What is Complaint #5037519 about?
Complaint #5037519 was filed against Erc regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-12-23T12:00:00-05:00.
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.