Consumer complaint received 2020-06-07
Company: ERC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
InXX/XX/XXXXXX/XX/XXXX I opened a XXXX account at the XXXX XXXX Location to buy a set of Cribs for my Sister in Laws ' baby shower for her XXXX. I opened this account because they sent me a {$1000.00} credit limit credit card in the mail. We spent about {$390.00} for the 2 cribs and one other item. We agreed to pay about {$94.00} a month for 4 months. We never recieved a paper copy of this contract. On Friday XX/XX/XXXX I called to make a payment. I asked the person how much was owed and he informed me that one of the payments was passed due but not 30 days past due. He told me that 2 payments were due. I asked him to take one payment, on a recorded line, on my debit card and that I would call the following week to bring the account current. When the charge came through my bank, I realized he had in fact charged us 2 payments and the amount taken was {$190.00}. I called back the very same day and explained to the person I spoke with that I authorized them to charge me only one payment and not 2 payments and the representative charged us 2 payments. He assured me that he would issue a refund and that the refund would come back to us the following week 3-5 business days later. He then informed me that because he issued a refund the account would be passed due unless I paid an additional payment. So I paid an additional payment with the understanding that the refund would be issued the following week. He also informed me that my bank account would not show the new charge until Monday XX/XX/XXXX because the business day had closed by then. So Monday, XX/XX/XXXX the third charge of {$100.00} was taken out of our ccount. No refund was ever issued for these 3 payments. I called the company on a weekly and sometimes daily frequency to get the refund issued and was passed from representative to representative over the course of the next several months and the refund was still never issued. Because of this triple charge other things on the account were not able to be paid and there were overdraft fees and a whole bunch of problems with our bank because of these charges that were never authorized. I eventually had to contact XXXX XXXX XXXX XXXX ( my bank ) and ask them to pursue the company for the triple charge. A dispute was filed, and eventually XXXX was forced to issue the refund. Once they finally issued the refund several months later at the end of XX/XX/XXXX, the dipute was lifted and I paid the account to current in 2 payments of {$210.00} on XX/XX/XXXX, and XX/XX/XXXX to close the account. Once the dispute was complete, they penalized me by reporting to all 3 credit bureaus that my account was 90 days, and 60 days past due even though there was an active dipuste ( This is account FTC laws as I understand them ). This has prevented us from being able to get a mortgage and highly impacted my credit scores. However, this was not the end of the issue. We were unaware that they reported this account 90-60 days past due as this showed up on our credit later, and we got another account with them. They had to run our credit again and gave us a different credit limit and opened a new account on our credit reports. This new account was paid earlier than agreed and closed in XX/XX/XXXX, yet it is still reporting open and with late payments. The current account that is reporting that it was 90 days and 60 days late was in fact opened in XX/XX/XXXX. How is it possible for it to have been 90 days late and 60 days late in XXXX, XXXX, XXXX, and XX/XX/XXXX if it wasn't opened in XX/XX/XXXX? I have approached the company asking them to coorect these various issues. Each time I call I am given a different answer, I called once they told me it would be deleted within 3-5 business days, then I was told they can't delete it because it was in fact late even though there was an open dispute, then they told me they would escalate it and return my call, and each time the account remains the same and now when I call they transfer me directly to a voicemail and my call is never returned. I have disputed this account on the credit beruaes to no avail.

Company response to consumer: Closed with non-monetary relief