Essential Retrieval Group CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
05/06/2015 No
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • NV
  • 89511
Web
This is a collection agency that calls the numbers of family members and friends XXXX though my phone number has been the same since XX/XX/XXXX XXXX threatening legal action for a payday loan that was included on a Chapter XXXX bankruptcy in the State of Nevada, and discharged on XX/XX/XXXX. The original creditor is XXXX, but their XXXX was different - can not recall. Once contact has been made on my part giving the bankruptcy information, the old debt is then sold to another company. I suspect that it 's the same company each time, but that they provide a different name. The calls start every XXXX to 4 months. Please assist in putting a stop to this. The debt was included and discharged in my Chapter XXXX bankruptcy. The creditor is aware and was notified back in XX/XX/XXXX. They are completely disregarding this fact. Also, I suspect it is the same company because they always ask for my name in reversed order. " XXXX XXXX '', instead of " XXXX XXXX ''. My attorney 's office provided me with the XXXX 's XXXX link to file this complaint. Their office suspects that these collection companies purchased information from my bankruptcy and are illegally trying to collect on their own behalf, using methods like calling people I am related to, to try and collect funds. The collector, " XXXX '' once again took my bankruptcy information today, but would not give me their mailing address or any contact information so that I can contact their client/original creditor. They said it was my problem to find out any additional information relating to this debt and hung up. The problem with these agencies is that if they find that they ca n't get money from you, even with protections set forth by bankruptcy, they will wait a short while, and then seek out relatives or past relatives XXXX in my case, ex in-laws ) to try and scare them ( and embarrass me XXXX into paying on my behalf or contacting me to pay. This is unacceptable.
05/26/2021 No
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • OR
  • 97068
Web
I was contacted by both my Mother and my wife today stating that they received calls from a company named ERG about an alleged debt. Not sure how this company gained access to my mothers home number or my wifes unregistered work number. My wife forwarded me the info and I contacted a person and inquired about the alleged debt. They shared with me that there had been numerous attempts to collect a debt tied to a credit card company named XXXX. Told them that I hadnt received such info and asked if was sent certified mail. Their response was it was sent general mail. Told them I hadnt received anything. Contact told me that this info was on my credit report, which it is not, and that I went delinquent on this account in 2014. They say I was offered a settlement, which I was never contacted, and that I owe them {$2000.00}. Asked if I wanted to work out a plan. I told them that I dont recognize a credit card with XXXX, that I was never delinquent on any debt over the last 7 years, and that they should proceed with next step actions that they spoke of at the start of the call. My assumption is that they are trying to collect on something outside the statute of limitations. I have no records if this debt but my records only go back 10 years. I want to make sure that this company knows that my record keeping us impeccable and that I assume they will be willing to share all of their documents during discovery if they choose to go through the courts. I also want this company to know they have my cell number and that they should not be harassing my elderly mother or my wife at her place of employment.
06/01/2015 No
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • WY
  • 82009
Web
Contacted by XXXX XXXX XXXX initially stating that I owed {$2000.00} for a previous payday loan. Had only the last XXXX digits of my social, and my father 's name. Had a very old address. Stated that a complaint had been filed against me for non-payment of a debt. Could not tell me what company initially provided loan, or any other information, only that there was pending legal action and I would be served if I could n't get payment to them today. I gave them a bank card, which i promptly cancelled after calling the company they said they represented ( XXXX gave me all the information that I needed stating no debt was owed to them by myself, and the XXXX company, which lists a residential address and has all phone numbers associated with it disconnected. XXXX XXXX XXXX ). They promised a letter via e-mail which I never received, showing company information and debt and who the original debt was through. They called again this morning XXXX and harassed me again this morning, stating that the payment I set up ( wrong bank account information, etc ) did not go through ( old information again, bank account that I closed in XXXX ), and that they would sue me if they did n't receive a call from myself or my attorney by XXXX EST. They were rude and talked over me when I stated that I had filed a complaint and could find no shred of evidence that they were a legitament company. I hung up. They left a threatening voicemail which I saved on my phone.
05/03/2016 No
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated an attorney or official
  • MN
  • 55343
Web Older American
I have had this loan in the past but was called at work by a man named " XXXX '' who told my secretary that if I did n't answer his phone call I would be handed a subpoena at work in the next hour or so. A docket number from the court was attached to the message from the secretary and he said I could either call or they would show up at my XXXX. When I took his phone call he asked for my social security, ATM card number and offered me a " deal '' to pay off this debt. When I called this number in the evening to investigate further someone answered that was unprofessional and unwilling to give me information about his company ERG. I called back again and they would not give me an address to send a cease and desist letter to them. They would also not give me a liscence number for their operation/collection office. Doing an internet investigation it sounds like they are misrepresenting the court system and making threats as well as disrupting my co-workers and self. They are pretending to be government officials and coming up with bogus document numbers which in reality would be mailed out if they are legitimate.
02/02/2016 No
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • FL
  • 33907
Web
I was contacted by a lady name XXXX XXXX from XXXX XXXX XXXX ( A XXXX XXXX XXXX ) about an alleged account ( credit card debt ) that is in my name with XXXX. The account was opened in XXXX she said and that I was the account holder so I am liable for the debt because the account holder ( which is allegedly me ) stopped making payments in XXXX. First o explained to her that account does not belong to me, then it turned out that I was added by my dad as an authorized signer, but I was not the primary holder. Then XXXX XXXX checked on the account were she verified that I was an authorized holder but she remained reiterated that I am held responsible financialy for the account were I am not the account holder, my Dad is which he passed away last year. She contined to say that she is sending a complaint to the police department stating that i am attempting to defraud a financial institution, which ironically that account is with XXXX XXXX XXXX and I work for XXXX XXXX XXXX where nothing showes under my name unpaid. please let me know how I can move forward with this. Thank you.
04/05/2016 No
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • IL
  • 60611
Web
My girlfriend was contacted by phone on XXXX/XXXX/XXXX by phone. A message was left stating that the agency would be delivering documents to appear in court and that XXXX forms of identification should be provided at time of delivery. To cancel this delivery, they would need to receive a returned call. She thought maybe this was a call for herself, as they did not mention a name in the message, so she called the number the agent provided to get more information. She spoke with an agent who went by the name of XXXX. The agent mentioned to my girlfriend that they were trying to reach me through her, that I owed a debt, what kind of debt was owed, who the debt was with and the year the debt was supposedly from. ( As a side note, they said the loan debt was from XXXX though I did not take out or owe on a loan, other than long-standing student loans, in XXXX. ) My girlfriend gave me all of the information they provided so I could look them up and report them, and all I 'm seeing are comments and reports of unethical and possibly illegal practices.
01/17/2020 No
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • FL
  • 337XX
Web
on XX/XX/XXXX at XXXX XXXX I received a call from XXXX stating he was going to serve a warrant and wanted to set up a time when I was home so he wouldn't have to serve me at work. He gave me a case number ( XXXX ) and a phone number to call for more information. I called a company called ERG at XXXX, the gentleman had me verify my last four of my ssn and proceeded to tell me I was going to be served papers on an outstanding XXXX XXXX XXXX for {$4000.00} and some dollars, but I could clear the matter up so I wouldn't have to go to court. XXXX XXXX loan would accept {$1000.00} something. I told him I filed for debt consolidation and I hadn't thought about the debt ( but I thought the original amount was {$500.00} ). I told him I couldn't remember the name of my debt consolidation company but would call him back. I looked at my credit report and XXXX XXXX XXXX sold my debt in XX/XX/XXXX. So I don't know if this is really XXXX XXXX XXXX.
09/02/2020 No
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • TN
  • 38111
Web
On XX/XX/2020, I began to receive calls and voicemails from " XXXX XXXX '' representing " ERG '' and " XXXX XXXX '' that I was being served for a debt and needed to be home and present two forms of ID to " receive important paperwork. '' No one ever came to my home to present me with paperwork. During one of the phone calls, I asked for an address and fax number so I can verify information on XXXX and their representative would not provide me with this information. they wouldn't provide me with information. I called persistently to receive this information and demanded that they validate the debt they were attempting to collect until they blocked my number. Then, I began to receive derogatory phone calls and voicemails from XXXX XXXX XXXX XXXX XXXX, stating that I was " a failure '' for not satisfying the debt and other callous statements.
07/14/2015 No
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • DE
  • 19720
Web
They continue to contact our place of business for a debt for a person who is deceased, XXXX XXXX. After numerous attempts they will not remove our phone numbers from their dialer. I made numerous attempts to get their professional license number but they continued to hang up on me. Their phone numbers are as follows : XXXX, XXXX, XXXX, XXXX and XXXX. They are stating their address is XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX - which is a XXXX Store. XXXX XXXX stated that she is the director of collections. She told me I was contacting the wrong place and lied about the phone numbers not being apart of HER company. Below are the names or alias that these scam artists are using. XXXX XXXX/XXXX/15, XXXX XXXX XXXX/XXXX/15, XXXX XXXX XXXX/XXXX/15, XXXX XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15 and XXXX XXXX XXXX/XXXX/15.
02/25/2016 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • ID
  • 836XX
Web
Received call from XXXX XXXX at XXXX saying I was suppose to call XXXX. She could n't tell me why and did n't even know the name of the company she was working for. I called the XXXX and it was with a lady named XXXX XXXX saying she was from XXXX XXXX XXXX and said I owed XXXX Financial a debt. I asked her to send me the paperwork and she said she would but I have yet to receive it. I asked her if her company had a website and she said no. I said your company does n't have a website and I thought that was strange. I told her not to call me at work anymore!
08/11/2015 No
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • CA
  • 94509
Web
I 've received several phone calls from XXXX XXXX of ERG collection threatening me to make arrangements to pay for a loanfrom 2010. I 've asked for proof but they will only send me proof if I agree to make payment arrangements. Since I 'm entitled to the information, I 've refused to make arrangements until I get the information, they 've repeatedly called my job, leaving her XXXX number. It 's very disruptive and unprofessional. I 've asked to stop calling the job but they wo n't.
06/17/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
  • MI
  • 48237
Web
I spoke with the rep XXXX and informed him this was my work # he was calling and indicated I recorded the conversation asking him not to call the work #. He said that wont happen and hung up on me. I also forwarded a text message to the # he called from which is the same # calling my job now everday. I have those calls and message saved even though it is an automated call. It has been over XXXX times now.
05/27/2015 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MA
  • 02151
Web
They keep calling me and wo n't say who they are, just that they were hired to collect a debit I owe. And when I try to explain that I do n't owe any XXXX they start saying they are sending someone to my home with a summons. They are now harassing me. How can I make this stop?
04/03/2021 No
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • DC
  • 20008
Web
I was called today by this company and told there was a civil suit against me. I have nothing in collections or past due for that matter. Tonight on the same day my ex wife ( we've been divorced for XXXX years ) was called by the same person and left the same message.
03/17/2021 No
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • WA
  • 98118
Web
My family members are receiving calls from XXXX XXXX at ERG trying to contact someone with a similar name to myself. The calls are from XXXX XXXX XXXX XXXX but asking to call XXXX XXXX XXXX XXXX.
02/04/2016 No
  • Debt collection
  • I do not know
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • PA
  • 171XX
Web
This company calls me 5-10 times a day every single day with an automated recording that they are a personal currior survice that will be delivering legal documents to me if do n't pay my debts.
10/20/2015 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NE
  • 68116
Web
Calls from both XXXX and XXXX claiming to be ERG and threatening legal action without providing any proof of debit or stating what the amount of the debit is.
01/17/2019 No
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • GA
  • 30813
Web Servicemember
04/20/2016 No
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • CA
  • 92509
Web
02/12/2016 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MD
  • 20901
Web
10/09/2015 No
  • Debt collection
  • I do not know
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • TX
  • 75287
Web
09/17/2015 No
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated committed crime not paying
  • CA
  • 96008
Web
07/31/2015 No
  • Debt collection
  • Credit card
  • False statements or representation
  • Impersonated an attorney or official
  • IA
  • 52722
Web
07/07/2015 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 60074
Phone
07/07/2015 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • SC
  • 29730
Web
05/07/2015 No
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated an attorney or official
  • TN
  • 38103
Web
05/01/2015 No
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • OK
  • 73008
Web
04/28/2015 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • WI
  • 53704
Web
04/16/2015 No
  • Payday loan
  • Received a loan I didn't apply for
  • MT
  • 590XX
Web
04/15/2015 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • WA
  • 99023
Web
04/06/2015 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 20878
Web
03/17/2015 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TN
  • 37055
Web
03/12/2015 No
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • LA
  • 71291
Web
02/20/2015 No
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 34747
Web
10/13/2014 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated shouldn't respond to lawsuit
  • WA
  • 98106
Web
04/01/2014 No
  • Debt collection
  • I do not know
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • NV
  • 89139
Phone
03/28/2014 No
  • Debt collection
  • Payday loan
  • Disclosure verification of debt
  • Right to dispute notice not received
  • FL
  • 32003
Web