CFPB Consumer Complaint Profile
Erc
Consumers have filed complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 12,423
- Total complaints
- Among the highest
- 0
- Last 12 months
- 99.7%
- Timely response
- Top decile
- 56
- States affected
The verdict
By CFPB complaint volume, Erc is #54 out of 3,843 financial companies. Its on-time response record is at the 76th percentile among companies with 100+ complaints.
- Debt collection
- most-complained product
- TX
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Erc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.7% Top 24% higher than 76% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2023 to 2024 complete years
- Annual CFPB complaint volume moved from 808 in 2023 to 3 in 2024 (2023 → 2024).
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 116 |
| 2014 | 756 |
| 2015 | 1,575 |
| 2016 | 981 |
| 2017 | 1,379 |
| 2018 | 1,328 |
| 2019 | 1,212 |
| 2020 | 1,580 |
| 2021 | 1,748 |
| 2022 | 937 |
| 2023 | 808 |
| 2024 | 3 |
Complaints by State (Top 15)
Company Responses
Erc Complaint Concentration Profile
Erc's complaint volume is large enough to measure concentration - not just the headline totals. Across 37 named product lines in the stored breakdown, the leading three (Debt collection, Debt collection, Debt collection) hold a 80.6% share of product-tagged complaints. The Herfindahl index on that product mix is 0.250 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Attempts to collect debt not owed, Cont'd attempts collect debt not owed, Written notification about debt) cover a 64.4% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (Texas, California, Florida) hold a 38.3% share of state-tagged volume across 56 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 69.7% share among the 12,423 response-tagged complaints (8,653 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2021 (1,748 complaints); the lightest year on file was 2024 (3). From 2023 to 2024, annual volume fell 99.6% (808 → 3). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
What the CFPB Complaint Record Shows for Erc
In the CFPB record, Erc has a nationwide complaint footprint. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, the timely-response measure shows how often forwarded complaints get a reply. This company's rate clears the industry benchmark, pointing to intake and escalation processes that are working as intended. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Erc: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count.
Similar dispute rates
Nearest companies by share of complaints marked disputed (17.5% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Erc have?
Erc has 12,423 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Erc respond to complaints on time?
CFPB complaints against Erc draw a 99.7% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for Erc?
Among all products tied to Erc, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Erc?
The most common issue reported by consumers about Erc is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Erc?
You can file a complaint against Erc directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Erc?
Consumers in 56 states and territories have filed complaints about Erc with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.