I received a statement from ER Solutions, Inc. concerning a Regions Bank debt on an account that I have never owned. I have tried calling ER Solutions but they have hung up on me thrice when I tried to communicate that the account is not mine. I did have a Regions credit card which has been paid in full. ER Solutions calls and harasses my parents even though they have my correct contact information. This is showing up on my credit and is not correct. What do I do?
Consumer Complaints & Reviews
This company calls me every few days using an auto dialer. When I press the number to speak to someone, I get a recording telling me they are too busy and to leave a message. I do not owe any money to them so I tried to tell them to stop calling my number as it is a brand new phone number and they continue to auto dial me every few days. I cannot get them to stop.
My caller ID shows ** and E R Solutions. They call daily using an automated dialer and leave an automated message asking for person I have never heard of. They say if this is not the person they are looking for to hang up, which I do, but it has not stopped the calls. I do not have any debts and know no one with even a remotely similar name that they care calling for, and I have had this phone number for nearly ten years. So they obviously are calling the wrong number. I just started keeping track of their calls yesterday, but my phone records would likely show the other times they have called. I am keeping a record of their calls. It's bothersome and upsetting. I feel helpless to stop them. It hasn't cost me any money, but I would love to sue them for punitive damages.
These people billed my Century Link account for $14.95. When I called them at 888-300-3724, they told me that somewhere on the internet, I filled out some forms requesting their services. No Way! It is a voice mail service that never would happen, because Century Link would receive the voice mail before ESBI ever could. A service that never happens! My guess is I never read the license agreement for an unrelated form that I may have filled out.
Upon calling ESBI, they gave me a confirmation number to give to Century Link and Century Link then removed the charge and them told me that all future "third party providers" would be blocked. We'll see.
I had contacted ER Solutions on 5/21 regarding a Sprint account. I had owed a balance of $696.37 and had received as settlement letter of $348.19. The letter stated if I want this offer I have 45 days to call. So I call today letting them know I will be sending out a payment on next friday. The woman told me I had to pay it now over the phone. She went on to tell me that I had 45 days to dispute it when I told her I am calling to let you know that I was accepting your offer.
She then ask me for my bank or credit card info so she can post for next week and I refused. I told her I will make the payment and will need a letter letting me know our agreement. She then told no thats not how it works. ER will send me a letter after I pay. I felt that she was scamming me and told her forget it..I'll pay it when I can. I also notice that I can pay thru their website but they have the full balance not the settlement amount. It would have been easier if I could pay it online and feel better knowing that I could have printed it out that it was paid. Having a peace of mind is the last thing this creditor wants for those willing to pay.
On May 2009, I moved out from my old home and on June 1, 2009, I moved to new location. In that period, I spoke with one Verizon's representative about my moving and requested my basic FIOS service to be moved to my new location in same town. On 25 June 2009, from my new location, I cancelled (second time) FIOS services at my old location and ask for new service at my new home. My new telephone was given to me on same day Verizon order NJ00027417401.
On 8 September 2009, I received a bill relating to my old address, in the amount of $262.50 payable by Oct 5. On 23 September 2009, I received another confusing bill in the amount of $185.87. On 21 October 2009, I spoke with Verizon, Mr. **, conf # DIRJ16370. Mr. ** evaluated my case and concluded that some errors were made, I overpaid the old account and the refund was sent to me in the amount of $95.69. Verizon sent me Revised Final Bill, Total Amount Due was $0.00.
I assumed all was clear! As of today, ER Solutions Collection agency reported me to the credit bureau for overdue non payments. I made my efforts to solve this confusion by requesting details! Verizon did not want to discuss, referred me to talk with collection agency who arrogantly reports me without making any effort in explaining the charges!
I contacted ER Solutions on 2009 to try to settle a debit with HSBC credit card. They advised me that they would accept a settlement in installments (which was what I was offering at that time). Ok, I didn't have the payment in full as they wanted, so I forgot about it for few months. Then, in 10/08/2009, they sent me a letter with an offer for a settlement. I accepted but could not pay it in full, so I wrote them a letter explaining my reasons for not being able to pay it in full but I also sent 2 checks (with 2 weeks apart due dates) to pay the settlement. They deposited my checks and never contacted me back which made me assume that they accepted my terms.
Today, 01/11/2010, I called just to make sure that I was clear with them and to my surprise I am not! After letting me wait for more than 30 minutes on the phone, they said that they only applied my payments to my previous balance (before settlement) and I still owe them in full. I am suing them. If they did not accept my payment, they should not have taken my checks and they should have sent them back with an explanation! I am suing them with the credit bureau! What a scam! Of course now I owe more than when I started and it is simply wrong. All the consequences that you can imagine!
