CFPB Consumer Complaint Profile
Erc
Consumers have filed 12,423 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-05-15
- 12,423
- Total complaints
- 0
- Last 12 months
- 99.7%
- Timely response
- 56
- States affected
The verdict
12,423 CFPB complaints put Erc at #54 out of 3,848 financial companies ranked by complaint volume. Its on-time response rate is 99.7%, ahead of the 93% median among companies with 100+ complaints.
- #54
- of 3,848 companies by volume
- 99.7%
- answered on time
- Debt collection
- most-complained product
- 56
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
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
What the CFPB Complaint Record Shows for Erc
12,423 complaints against Erc appear in the CFPB record, including 0 from the trailing year. The 56 states and territories represented put this footprint in nationwide territory. 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, Erc answers 99.7% of forwarded complaints. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Consumers formally disputed the company's response in 17.5% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 25% closed with the consumer receiving monetary or non-monetary relief.
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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
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.
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?
99.7% of the CFPB complaints against Erc get a response within 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~12,423)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.