The complaint has been investigated and
resolved to the customer's satisfactionResolved Er Solutions, Inc. — fraudulent debt aquisition
resolved to the customer's satisfaction
To whom anyone who has received a letter of debt collection from this company:
I have to bring to the attention of free minded people has received a letter from this company in the form of debt collection to please investigate before paying. I received a letter from them today that said that they were trying to collect a debt tranferred to them from Asset Recovery Solutions. I contacted Asset Recovery before i called ERS and (A.R.S.) plainly said they never had any customer account info on me in the form of owed debt in their systems.
This has fell into my lap from doing weeks of investigation leading me into circles. A public record on my credit bureau showed a bad decision made by me from me when i was 19 years old back in 1996. The original debtor was Spirit of America National Bank which went out of business early 2010. i had a delinquency in 2002 with SOANB and paid the debt off in spring 2002 in the form of a settelement that was offered to me for 40% less than what the balance was originally with full documentation to prove a zero balance. Spirit of America National Bank Customer account balance aquisition to World Financial network national bank happened in Jan, 2010. My account info should have never been transferred given it was paid, right? Well it was, I never once received a statement of debt collection from WFNNB but it reported to my bureau last year that i had a zero balance but since has been removed.
WFNNB told me i had a current zero balance and really didnt understand why they had it to begin with, but they sold all accounts to Assett Recovery Systems in april 2010 then the accounts was aquisitioned to ER Systems LLC. now somewhere inbetween WFNNB, ARS and ERS my balance grew from a zero to over $100.00 So all free minded, critical thinking people out there know what has happened here. In My Opinion its Fraud on a corporate level from the first aquisition of accounts in 2002. The F.T.C., B.B.B. and a forensic accounting firm have been notified of this along with equifax, transunion and experian to do their own investigation.. I have recorded conversations with customer service reps. telling me what they seen on their work computers as paid off debt along with paper statements matching "cashed" checks from 2002 with SOANB stamps on back i have made for payment. So i hope the liable party will be held accountable for fraudulent acts of past debt manipulation and ones in the process of now becuase this is un justified.
Before you jump to conclusions that you may be debt free becuase of a letter from any of these mentioned parties do your home work, there may be a chance you do owe but if your a responsible adult who handles all debt and have a paper trail proving otherwise always question all involved debt collectors and hope your paper trail matches up to your credit bureau to the first time debt was paid in full..
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