This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 10,563 complaints

ERC - Debt Collector Complaint Profile

CFPB complaint profile across 54 states, reputation grade D.

Complaints by issue type

What consumers report about ERC

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record erc ERC

Grade D · 10,563 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #16 · compose #289

  • VOL 10,563
  • GRADE D
  • 12MO 0
  • STATES 54
  • TIMELY 100%
  • DISPUTE 18%
  • ISSUE Attempts to collect debt n…
  • RANK #16
  • COMPOSE #289

Volume peers

Nearest volume peer: Bread Financial Holdings, Inc. (10,403 complaints)

Caine & Weiner Company, Inc.Caine & Weiner Company, Inc.10,398Bread Financial Holdings, Inc.Bread Financial Holdings, In…10,403ERC (this)ERC (this)10,563Citibank, N.a.Citibank, N.a.12,068Synchrony FinancialSynchrony Financial12,773
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

ERC's 10,563 CFPB complaints sit next to Bread Financial Holdings, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 10,563 complaints break down

Every complaint issue type on record for ERC, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
52.5/100
ERC

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
10,563
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
18%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

ERC spreads filings across 54 states - Texas leads at only 13.7%

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Most-even geography
Lead state under 15%
Texas still leads at 13.7% across 54 states
Even monthly load
Peak under 8%
Highest month 2025-01 at 6.3% (364 filings)
Corpus ranks
#16 volume
#289 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does ERC compare to its peers?

How does ERC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
ERC National average
Complaints (last 12 mo)lower is better
0
3,871
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
18%
7%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy ERC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 97%98%99%100%101% 5%10%15%20%25% Timely response rate (%) Dispute rate (%) ERC vs. 10 similar-volume peers, by response speed and dispute rate ERCBread Financial Holdings, Inc.CAINE & WEINER COMPANY, INC.CITIBANK, N.A.SYNCHRONY FINANCIALJPMORGAN CHASE & CO.WELLS FARGO & COMPANYNational Credit Adjusters, LLCConvergent Resources, Inc.BANK OF AMERICA, NATIONAL ASSOCIATIONKriya Capital, LLC
Source: CFPB Consumer Complaint Database

ERC's complaint volume in context

ERC vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

10,563 Top 1% higher than 100% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. ERC 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
3,930
Cont'd attempts collect debt not owed
2,329
Written notification about debt
1,694
Disclosure verification of debt
967
False statements or representation
626
Communication tactics
534
Took or threatened to take negative or legal action
297
Improper contact or sharing of info
108
Threatened to contact someone or share information improperly
57
Taking/threatening an illegal action
21

Where do complaints against ERC come from?

ERC's own per-state count, not a national baseline.

Top states by complaints against ERC

Across 54 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for ERC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 10,563.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.67821313647549%.

4 peers

Know your rights before responding to ERC: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.