ERC Debt Collection Complaint

ERC Debt collection department,

Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received Arizona

I have been a customer with - and with - since -. I have been on autopay since that time and have been current on my bills. I have recently tried to refinance my home. However when the lender pulled my credit a collection from - pulled up. After a number of calls to - as illustrated below I have come to the conclusion that in - someone from - without my knowledge opened an additional unauthorized account trying to combine my - with -. During that time - continued to bill me from my account # - ( - the - digit # at the end ). Of which I am still current presently on this account. Apparently for the months of - - through - - - opened the additional account to cover - without letting me know. It took an immense amount of calls to find all of this information, each time finding out small tidbits here and there. If I called their billing department and asked for a supervisor they would transfer me to their finance department instead of their supervisor and then the finance department would pressure me into paying the outstanding amount of $230.00.


Collection Practices Act and had an illegal collection. One rep even told me that even though they made the mistake it was my fault for not noticing this. This is not the first time - has done this to me either. In another instance they opened another account without my authorization that included landline phone bill charges, even though I do not have a landline phone setup. However that is another issue and not the reason why I am writing this, simply pointing out the discrepancies of this company. After speaking with - billing and finance reps along with a few managers was finally able to obtain the information for ERC Collections as most reps had no idea what I was referencing since they could not find any additional accounts. When calling ERC they asked me for my address. I provided them my primary address as - - - -, -, - -. They told me that was not the address they had on file. The letters they had sent out were not even to my address, so again was failed to be notified. All that I am asking if that this be removed from my credit bureau 's and will be happy to provide the payment then. I do not want it to show as a paid collection, it should be removed entirely. - keeps stating it is the responsibility of ERC Collections to do this where as ERC Collections states that - is responsible for this. Please help me get this issued resolved. It will also be a way for - to collect their money and prevent any more time for their reps and mine wasted towards this matter. Even though my account is registered in - and has a - number ( # - ( -- ) ), my cell phone plan is from -. If I call in to their toll free number - after typing in my - area code account number it still groups me with their east coast line which states their call center is only open until - EST and to call back again. I work here in - until - PST and call after I get off of work. If I call the store here in Arizona on PST they can patch me in to their west coast line to be connected. On - I had to call - different stores multiple times to get someone available in order to patch me in with their customer service. I had a total of 24 phone calls for 374 minutes and 1 store visit to resolve this and have not had any assistance to get this done. Please help me. Thank you! - -