Debt collection -- Took or threatened to take negative or legal action -- Complaint #10405757
Complaint Overview
Complaint ID: 10405757
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened to sue you for very old debt
State: New York
ZIP Code: 14215
Date Received: 2024-10-09T12:00:00-05:00
Date Sent to Company: 2024-10-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Against Midland Credit Management and XXXX XXXX XXXX XXXX XXXX, XXXX Dear CFPB Representative, I am writing to file a formal complaint against Midland Credit Management and its legal representatives, XXXX XXXX XXXX XXXX XXXX, XXXX, for violations of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I believe the following violations have occurred : - Improper credit reporting regarding a debt that was discharged in [ year ] and is still being pursued. - Harassment and unfair debt collection practices, including sending letters that misrepresent the debt amount and refusing to provide requested documentation. I have attached all relevant documentation, including letters, credit reports, and legal correspondence. I request a full investigation into these practices and ask that all improper collections activities cease immediately. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #10405757 about?
Complaint #10405757 was filed against Encore Capital Group INC. regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2024-10-09T12:00:00-05:00.
How did Encore Capital Group INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Encore Capital Group INC.?
Yes, visit the Encore Capital Group INC. company profile at readthecomplaint.com/company/encore-capital-group-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.