E.R. Solutions Inc. Complaint - Collection Agency
A few months ago I overdrew my bank account and it was sent to collections. "E.R. Solutions" was the name of the collections company that got my case. They kept calling me and asking if I was Elena, but wouldn't tell me who they are or why they're calling. I would get dozens of calls a day from different phone numbers, some of which looked like cell phone numbers. They wouldn't leave a message, they would hang up if I picked up on them or there was quiet and giggling in the background. After a while I stopped picking up calls from strange numbers and they stopped calling. All of this was around October time.
On 1/31/2007 I tried opening a bank account and got denied. I remembered that the name of the company and searched for their phone number online. First time I called, someone by the name of Lorena Porter took my call. After he asked me a few questions about my income he told me that the balance is six hundred and eighty something dollars, but they're willing to settle for five hundred and fifty one. I told him that the amount was still a little too high and asked him to make it five hundred even. He put me on hold. He came back a few minutes later and told me that he spoke to his supervisor and that the lowest they'll go is five hundred and fifty one. I started to explain that it's not going to work because the most I can pay is five hundred, but he interrupted me and said "It doesn't matter anyway... You're not paying, so nothing is working for you!" after which he hung up the phone before I even got a chance to respond. I called back and this time a woman picked up, she refused to give me her name or any other information that could be used to identify her. I asked for her supervisor, but she laughed at me and started arguing with me in a very rude manner. I asked her to not interrupt me and that I don't appreciate being hung up on or laughed at. She laughed at me again and told me to hold on. After a few minutes a different woman picked up the phone and was even more rude than the previous one. I hung up the phone and called back. Lorena Porter took my call again and I told him that it was very inappropriate for him to talk to me like that, but he started arguing again. I asked him for his supervisor and he transferred my call to someone by the name of Tammie Ramirez. She claimed to be a supervisor, so I started to explain the situation, but she interrupted me and yelled at me and told me that she is too busy to even talk to me and that unless I'm willing to pay six hundred eighty dollars she has nothing else to say to me. I asked her to lower the balance, but she said no and hung up.
I researched them, and I did not find a single good review. There are posts all over the internet from people who have been harassed by this company. They're rude, inconsiderate and completely unprofessional.
Here are a couple of helpfull links:
You can add to my complaint to Better Business Bureau here:
File your own complaint here:
Submit a complaint to Federal Trade Commission (FTC) Bureau of Consumer Protection here:
Some more information on Credit And Banking Laws And Regulations: http://www.cardreport.com/laws/statute-of-limitations.html