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ER Solutions, Seattle, Washington Complaints & Reviews - ER Solution's constant harassment and invasion of my privacy!

ER Solutions Contacts & Informations

ER Solutions

Posted:    Carol Warner

ER Solution's constant harassment and invasion of my privacy!

Complaint Rating:  98 % with 42 votes
Contact information:
ER Solutions
Seattle, Washington
United States
www.e-r-solutions.com
*This forwarded message was sent to the Human Resources Department at ER Solutions in Renton, WA (see below). Good luck to everyone who has to deal with ER Solutions!!!* Please see below. This message was sent to KOMO 4 News in Seattle and to one of your employees who posted a message on the Internet in response to multiple consumer complaints about your services. This email will also serve as written notification that the phone number XXX is NOT the phone number for Charles A. Warner. There is no Charles A. Warner at this number nor at the residence connected to this number. If you continue to call me despite the clearly stated facts appearing above, then a lawsuit will be pending. Sincerely,

A direct quote from the ER Solutions Website:

Our Philosophy. Our founder always reminded us of the golden rule, "Treat others they way you would want to be treated." We continue to practice this philosophy today by diligently working to collect the money, but we do so in a tactful, sensitive, and humane manner.

Carol Warner

---------- Forwarded message ----------
From: Carol Warner <carolawarner@gmail.com>
Date: Fri, Feb 29, 2008 at 6:38 PM
Subject: ER Solutions - Please Warn Consumers!!
To: "tips@komo4news.com" <tips@komo4news.com>
Cc: justinandnikkicraig@hotmail.com

My name is Carol Warner and I've been receiving calls from a debt collection agency called ER Solutions (see below for company address/contact info). I recommend that you Google ER Solutions to verify the many complaints against their debt collection practices.

First off, I have no outstanding debts and never have. However, I receive several calls each day from ER Solutions. This has been going on for at least the past year. Apparently, they are trying to collect a debt from a "Charles A. Warner". There is no one in our family with that name.

ER Solutions leaves a message on our answering machine stating that they are at "1-800-989-2807". Today the message left by a "Kelly Smith" at ER Solutions gave me the opportunity to enter a number if I was not the individual they were trying to contact. The message then stated that if I did not enter the number given, then I was acknowledging that I was indeed Charles A. Warner. Of course, as I am at work, I have never had the opportunity to press that button. I've called their 1-800 number several times and left messages saying I am not the party they are looking for and have never gotten a response.

Last Saturday, an individual with ER Solutions showed up at our place of residence trying to serve legal papers on the individual owing the debt, the apparently elusive and mysterious "Charles A. Warner". My husband told them that there was no one with that name residing here, and that there were no members of our family with that name. He left without further questions. I had hoped that this visit would end the harassing calls, but I received another message (see above) from ER Solutions today, 2/29/08. I then looked up ER Solutions on the Internet and found to my dismay the many complaints lodged against them. Needless to say, I was alarmed at what I found. Here is a post from an employee at ER solutions to various consumer complaints:

Comment posted by Nicolette Craig on 07/27/2007:

I plan on checking my credit report and lodging a complaint with the appropriate agencies. I will also sue them if it comes to that. I am a law abiding citizen and do not appreciate ER Solution's constant harassment and invasion of my privacy. I believe this is a story worth investigating and warning others about. Please do what you can. Your attention to this matter would be greatly appreciated. Thank you in advance for your help,

Carol A. Warner

ER SOLUTIONS
500 SW 7th St #A100
Renton, Washington 98055
1-800-444-8485.
Comments United States Collections Agencies
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 24th of Apr, 2008 by   shirley 0 Votes
I am a recent victim of ER Solutions. I received a letter today (April 23, 2008) regarding a debt for someone with my same name. They said that I owe a health club over $3000. However, I've made all my payment to the health club and found it puzzling. The agent I spoke to was very condescending and rude. He did not care to hear my explanation but instead laughed what I had to say and belittled me. The agent also informed me that this debt was hurting my credit score and told me it was at the lower 500s. Needless to say, I was in awe at his behavior and floored at the treatment I was receiving. I therefore, made phone calls to the health club and after some research and investigating, I found out that I share an exact name with someone else. This person's account is the one in collections and I was getting her mail. I asked for payment history on my account and will use it as evidence when I dispute my claim to ER Solutions and their parent company, CRI. I also went to retrieve my credit score and reports from all 3 credit bureaus and found that there were NOT any late payments nor defaulted accounts on my credit report as stated by the previous agent for this health club as ER Solutions has accused me of.

I will be writing a long, lengthy dispute letter to ER Solutions, their parent company, CRI, and senior management. I am astounded by the behavior and actions of these people. Their lack of class and professionalism towards their clients is disgusting. With this kind of disrespectful and distasteful attitude, how can they expect a cooperating response from clients who do actually owe them money? If this is the behavior of the agents, what kind of people are senior management?
 27th of Sep, 2008 by   Jessica 0 Votes
I actually owe debt to a company and ER solutions called me and want me to make a payment are they a ligit company or should I blow it off?
 20th of Oct, 2008 by   kelly smith 0 Votes
oh please. er solutions is a legit company. they are a large collection agency that follows the rules.
people are crying and whining because they owe some company for some bill they don't wanna have to pay.
they are complaining about being harassed because it feels horrible when a debt collector calls .
you can tell somebody very nicely they owe money and "have" to pay it and they are still going to feel harassed.
how do you like it when somebody tells you to pay something you can't afford? you're going to feel horrible and blame the debt collector!! debt collectors call people who have deliquent payments. that's it. if it's a mistake, get it corrected. if it's a wrong number let them know. and if they're calling for a relative and you don't want to provide a number for that person... keep this in mind: the person they're calling gave out YOUR number to begin with.
 3rd of Nov, 2008 by   Jack 0 Votes
At least part of the problem with the "collection" industry is their lack of knowledge and their unwillingness to admit fault, the following federal statutes are applicable and complaints can be sought through the FTC. A certified letter is the immediate and permanent solution to "harrassing Phone calls"


§ 805. Communication in connection with debt collection

(a) COMMUNICATION WITH THE CONSUMER GENERALLY. --Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt--
(1) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antimeridian and before 9 o'clock postmeridian, local time at the consumer's location;
(2) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or
(3) at the consumer's place of employment if the debt collector knows or has reason to know that the consumer's employer prohibits the consumer from receiving such communication.
(b) COMMUNICATION WITH THIRD PARTIES. --Except as provided in section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a
{{4-30-97 p.6619}}postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
(c) CEASING COMMUNICATION.--If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except--
(1) to advise the consumer that the debt collector's further efforts are being terminated;
(2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or
(3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.
(d) For the purpose of this section, the term "consumer" includes the consumer's spouse, parent (if the consumer is a minor), guardian, executor, or administrator.
 19th of Feb, 2009 by   Kelly Smith -1 Votes
First off, Carol Warner says ERSolutions knocked on her door? They're collections agents, they don't 'serve' papers. Please, don't lie to us. Maybe the people knocking at your door were from America's Cash Express- they go knocking on doors when you fail to payback your payday loans. Carol Warner would have you believe this collection agency is calling her to harass her. Which makes no sense. Rather than call people who might pay, she wants you to believe this company is calling her just to harass her. Do you see how silly that is? They want to make money like everyone else, they don't want to waste their time. Has it occurred to you that somebody by the name of Charles Warner is using your name and address to sign up for stuff he has no intention to pay for? Maybe the person's name isn't even Charles, maybe it's not even Warner. But that's the name the person used, along with Carol's name and address.

And then she quotes some comment by a person who says they work at ERSolutions. Which is probably true. Did you actually read it?

It says basically to stop asking them to 'remove you from the list' because there is NO "list". They work in collections not in telemarketing. They have permission to call you, you gave them permission when you signed up for service with whatever company you signed up with. That's why companies always ask for contact numbers to reach you.

It says if it's a wrong number, pick up the phone and tell the live representative. Not some voicemail where you leave a message. You don't gotta get mad and angry, try this: "hey you have a wrong number, I have no idea who that person is, please stop calling me for somebody I don't know and certainly doesn't live here and is most certainly not known to us."

So the message was a bit aggressively written. Did you get it? Your number was provided by the debtor/consumer. The problem for the debt collector is that they call third parties who act frustrated, irate, and sometimes crazy over the phone. The phone calls are daunting, they're supposed to be. Debt collectors usually deal with people who pay their bills at the very last possible moment. Don't ignore the calls and letters. Just call the company. If it's the wrong address- mark it Return to Sender. If it's a wrong number, return the call and let them know.

Finally, Carol Warner complains that her privacy was invaded. BS. How was it invaded? They apparently don't have her infomation, they're bugging her and she's frustrated and feeling revengeful. Oh, well. This could have all been resolved quicker than it was with a little open communication on Carol's part. Don't be afraid to call a company back for goodness sakes.



And for Shirley,
wow. She's a number.
Really simple, the collection agency calls on behalf of a company you owe money for. The collection agency isn't the one saying you owe money. The company you owe the money to is accusing you. Get your head straight. You got your facts backward. From what you said, you are being contacted based on a similar name to the debtor they're trying to reach. Hello?! What you need to do is indicate to the collection agency you are not the person. You don't need to forward them your payment history. It's a case of mistaken identity according to what you wrote. They're trying to reach the other Shirley who owes the health club money, right? So let them know it's not you.

And one final note for Shirley: you referred to a client as a person who owes money that the collection agency is trying to collect. Wrong, a client is similar to a customer. The client/customer of the collection agency is the company/creditor who has brought them (the collectors) on to collect for them (the client/customer). The person who owes the money is the debtor/consumer. Consumer is the nice word, collection reps aren't allowed to call a consumer a debtor over the phone. It's rude and can be considered harassing.


And finally, for Jack. Mr know it All.
The collection agency and their lack of knowledge. (a1) 8am to 9pm local time to the debtor (a2) If the debtor has an attorney, the attorney would be contacting the collection agency. This is only learned after the debtor tells the agency this. (a3) You call the place of employment and they tell you no personal calls allowed. period. Real hard. (b) the debt collector only talks about the debt to the debtor/consumer, the spouse who is also debtor/consumer, the attorney. And obviously the client/creditor etc. (c) Cease communication: written letter will get collection efforts to stop. Just the efforts, it doesn't stop any credit reporting and it doesn't make the debt go away.

What you should be concerned with is a debt collector who engages in conduct that is intended to abuse you. Threats of physical harm, or implications they're gonna tell everyone you're a deliquent debtor, threats to take your house or car [unless it's the finance company for that purchase], profanity, continuous calling that is intended to annoy you. This does not include calls you don't answer. If the collector spoke to you and then starts calling you every 15 minutes, then clearly that would be harassment. If the collector was calling you and not identifying themself in an effort to unsettle you, that would be harrassment. But if the collector calls you and you tell them you're not you, or you don't identify yourself.. then it's not harrassment because the collector doesn't know you're you if you're trying to elude or deceive the collector.

Some common sense. Identify yourself and ask questions. Remain calm and direct. Some collectors are trying on our nerves, that doesn't make it harrassment.
 25th of May, 2009 by   elaine 0 Votes
Wow...judging from the foul language and names being called by the ERS employees in the emails the accusations seem to be true. Idiots? Dumb asses? Get real jobs boys and girls and stop harassing innocent people. My advice...get a lawyer folks. When ERS was calling me and harassing me for a debt I didn't even owe the verbally harassing jerk on the the other line went speechless when I told him my lawyer would be contacting him. I haven't heard a word since. They try to peg you for debts that aren't even yours. Lawyer up and protect yourselves.
 29th of May, 2009 by   J.A. Walker 0 Votes
I keep getting calls from Kelly Smith as well, although I am not given an optional to press a # to state this is not the person the calling for. But the message isn't detailed enough of who's calling but leaves a brief PAUSE if you are not who they're calling for. I kept listening to the message to find out who was calling my phone constantly, numerous times a day. Just last week they actually gave an address to write to and as of today 5/29/2009 there is NO longer an address but the lady on the automated system talks so fast you can't even write anything down! I am irritated at this point and to my amazement when I Googled, I found ALL of this and so many complaints. Imagine that.

First off, if these people were that determined to collect a debt, maybe they wouldn't call and leave a message for YOU to call them back. Second, this is not good customer service by ANY company. Thirdly, if they took the time to actually answer these 800/877 numbers with a real person, people may take the time to not chew them out and return some courtesy. I know I do not owe a debt to this company and have NEVER received anything in mail stating such, otherwise I would have written them a letter.

As for the response by one of their employee shown above, all I can is WOW! I would hate to see how that person is in realistic situation of person -to- person custom service. I think they should be fired for posting anything and then acting asinine for everyone to read, while representing ER Solutions.

Needlesstosay, I will be contacting this company on a daily basis and return the same treatment they've given me and obviously so many other people. What a shame, people have no customer service skills and lack common sense and courtesy.
 4th of Jun, 2009 by   prof kol 0 Votes
ER Solutions is well-known in the legal community for harassment and also for breaking the Fair Debt Collection Practics law frequently. A very good solution for dealing with ER Solutions is to file a complaint with the Federal Trade Commission, and file a lawsuit against them.
 4th of Jun, 2009 by   prof kol 0 Votes
Also remember, their collection agent idiots who're calling you on the phone make about $7.50 to $8.00 an hour! They're real mental giants!!!
 9th of Jun, 2009 by   Thomas Hardy -1 Votes
Hey folks. Full disclosure: I'm an employee of a sister company of ERS which is the only reason I even found this stuff. But I must say this. I have never, ever, ever been contacted by a debt collector. You want to know the secret? Only buy goods and services you can afford to pay for, and pay your bills on time. I'll bet that 99% of the time this will prevent calls from debt collectors. If you are truly a victim of identity theft, that's one thing. All others I consider whiners. Would I like to have more and better stuff? Sure I would! But until or unless I can pay for it, I don't get it.
 25th of Jun, 2009 by   doowadiddy 0 Votes
Fair Debt Collection Act...

If these people are constantly harassing you and threatening you to put the debt on your credit report, THAT IS AGAINST THE LAW, AND YOU CAN FILE SUIT.
This happens all the time, and people do not know it is illegal to be harassed and threatened by ANY credit collection company.
Write down what these people are saying, the time and date, and go get a lawyer. Or file yourself if you know how to walk your butt to the course house and pick up a claims app. Look into a class action if it's the same company and multiple people are experiencing the same kind of 'customer service' treatment.

These people need to lose their jobs. Obviously they will not be able to hold jobs like a waiter or customer service rep for long, as their customer rep skills are as hideous as a homeless person's smell.

*If your interested in working as a debt collector, white trash need only apply*
 12th of Jan, 2010 by   JaclynRose +1 Votes
I have also been harrassed by ER solutions employees. One woman called chanting "Pay your bill, pay your bill, pay your bill!" When I asked another woman who she was and where the buisness was located, I asked the spelling of the city, to validtae the company, and she replied "would you like me to spell Washington for you too?" With so much sarcasm it makes me sick! I am certainly a highly educated person, and these employees are (as stated above) low paid, low class and hideous! I would certainly respond better to a live person then a recording, and get calls daily! I dont understand how a company can stay in buisness and actually expects anyone to cooperate with them when the employees can not even speak in a decent tone with a little respect. We are all people here too. I wrote a dispute of the bill 6 months ago to the company, and Verizon, and still get calls daily, always between 8-9pm. Being a single mother of a 1 year old, working 40 hours and at the end of my masters program in education, I do not have time to listen to these recordings so late at night. If someone would talk to me with respect then I may actually listen to what they have to say. However, I will continue to dispute this bill as I was never a customer of Verizon, but the harrassment is way out of line!
 14th of Jan, 2010 by   JRFM 0 Votes
I also received a few messages from ER Solutions and "Kelly Smith". I just called back the number now and told them that they had a bad number. They asked for my phone number and then said that they would remove it from the list. This process took about 2 minutes in total. Seems easy enough to me.
 15th of Jan, 2010 by   Years of knowledge 0 Votes
The economy is definately slipping into a dark hole here in the US. There are multiple people who are in debt and understandably cannot afford to pay their bills. I agree that everyone's voice needs to be heard. Whether it be the one's who owe, or the ones who dont owe. If it werent for collection agencies how else would we be able to bring the economy back up? How would businesses survive if nobody pays them? Example for the thought...what if a store closes down and they are the only source of food for a community? They closed down because they are not getting paid by their customers. So everyone in town is hungry and has no where to go. It's got a ripple effect, it comes back on everyone else. Ah the sweet smell of Karma. So when you make your voice heard, make sure it's not the misery-lovs-company syndrome. I agree with Thomas Hardy. I know there are those who go through hard times. But coming to the conclusion that you cant pay for it anymore? Sell it and get out from underneath it. Lastly, if you are receiving numerous calls for someone who does not reside with you of course pick up the phone and politely tell them. The fair debt collection practices act gives coll agencies the right to call the last known number for the consumer supplied by the client (the place you owe). With how this sounds, there are probably more than one accounts that this ERS has and they are just rolling each one through a dialer. Each account would have to be handled differently. This itself is a circumstance I found when I got a new phone line for my home office. Continuous calls coming in for someone else who used to have my number by collection agencies. This woman owes everyone and their grandmother!! On another note you may want to be skeptical about your own family/friends security. The majority of fraud cases start within your own home. Someone has definitely been using Carol's phone number and possibly their last name to get services/merchandise. In my line of work, it's always a family member or passer through who is either deviant or in financial stress. Or just plain greedy and careless of how they effect people's lives. This...Carol Warner...should be your deepest worry. Not the people calling for this hapless sot who may have had your number at one time. I do agree that some of the collectors sound like they just stepped out of the ghetto, but the comment by "Prof Kol" about their hourly earnings? Uh hem...we make more than that. Especially if you've been at it for several years. Be a part of the solution not the problem.
 19th of Jan, 2010 by   M3L 0 Votes
When you call ER solutions make sure you record it and make sure you tell them you are recording the call before you talk before you tell them how ever get the representatives name and then make sure they know you will be recording the call and be very kind to them ask them to please not hang up on you as they did with me the first time I called. Well if the company and the employees know what is good for them they will not be rude or nasty to you and here is a web site that can help you with dispute letters and how to handle creditors when they call.

http://www.fair-debt-collection.com/disputing-debt-collections.html

I will be honest I have had things go to collections but only for medical and only when it was a mistake with the insurance company screwing up and not paying what they are suppose to. But I always pay all my bills on time and make arrangements for medical bills if it is a large co-pay.

But ER solutions is calling for someone who I have never heard of and they continuously call without even knowing if they have the right number and if they call again I will have proof that they said they would remove my number from their list and they didn't.

Good Luck to the rest of you out there dealing with these creditors most of them are scams and you have to be careful if you can find the original owner of your debt i.e the company preferably and pay them, they then have to tell the creditor that the debt is payed. Then it is up to the company to pay the creditor the percentage they are suppose to get.
 17th of Mar, 2010 by   wcnwzrd 0 Votes
I have been getting calls for a Randy something (can't remember the last name). Its obvious that this is for the previous owner of my phone number as I have only had it installed for a little over a month. Both my wife and me have told the callers that no one by that name lives here. Been asked for our phone number then told it would be remove (still getting calls). One associate asked for our address to verify account info, we gave it thinking that it would stop the calls, ya know name doesn't match, address doesn't match guess we got the wrong number. Now we are getting letters in the mail from them. I have started taking photos of the mail marked return to sender no such addressee as i put them in the mail box and recording the calls. I have no issues with a company trying to get money for thier client, but when you call and numerous people tell you that that person doesn't live there STOP THE CALLS.

On another note: When they call our office at work and we tell them we have a no personal calls policy. They need to stop calling. Currently have 3 complaints registered due to companies ignoring that.
 28th of May, 2010 by   MigD 0 Votes
I just got a new cell phone. It came with a new number, of course. Even before I gave the number to ANYONE I started getting calls from 425-562-3215. They always call during the day, while I'm at work, so I can't answer them. They never leave a voicemail message, so I used the internet to find out who was calling me, and guess who it was...I have tried calling their 800 number, to clear things up. They are probably trying to contact the person who previously had this number, and everytime I try to call the 800 number they have on their webiste, I get the 'we are experiencing unusually high call volumes' crap. I tried more than a dozen times, and gave up. It is not 'unusual' if it is ALL THE TIME! Finally, in frustration, since I can't get ahold of a person, I filed an FTC Complaint.
 30th of May, 2010 by   grandmapat5 0 Votes
I also was receiving calls for a "Jim" who must have had my cell phone number before. After almost 2 years of telling these people that no one by that name has this number, the calls finally stopped (I HOPE). I even was charged for text messages and I do not text. Very frustrating!! These people are rude and do not listen to anything you say.
 15th of Jun, 2010 by   Debt? No, Debt! 0 Votes
I agree with this: sure, if you owe, you owe. However, the real difficulty I think, is the attitude in the voice of the collector and their words. Of course, once I hear attitude, the call is over. Then there is this: some money situations are so bad, really, there is no money to be had/got anywhere, not even if the court came into play, therefore who side is time on? Debt and bad credit is real and is a REAL mess up! But look at it this way: big corporations get bailed out, and debts the of states and countries make my debt forgivable change. Really!
 18th of Jun, 2010 by   garchan 0 Votes
I just received a call from ER Solutions yesterday, and returned their call immediately once I heard the message. I was put through to a live person who asked for the phone number that was being referenced. I was told that the debt was regarding a Sprint account (which we do not have, and have never had). The representative asked the last four digits of my SSN, which I begrudgingly gave, and was told at that time that I could disregard the call; that I was not the person they were looking for. Frankly the whole call bothered me. How did they get my name and number if I'm not the person they're trying to reach? I called the number again this morning to get some clarification. I was told by the CSR this morning that when they're trying to collect a debt and don't have contact information on the debtor, they'll call every single person they can find with that name in order to find the debtor. I guess I feel a little better knowing how they got my information, however I think it's thoughtless to put innocent people through the stress of getting a collections call just because they have the same name as someone who hasn't paid their bills.

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