Debt collection -- Attempts to collect debt not owed -- Complaint #10666976
Complaint Overview
Complaint ID: 10666976
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Pennsylvania
ZIP Code: 19133
Date Received: 2024-11-02T12:00:00-05:00
Date Sent to Company: 2024-11-02T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, PA XXXX XXXX XXXX XX/XX/year> Midland Credit Management Inc. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Dear Midland Credit Management, I am writing to dispute the recent collection activity on my account, referenced by XXXX. I am deeply concerned about the legality of this collection, and I request your immediate attention to this matter. Upon reviewing my records, I have not been provided with proper validation of the debt in question, as required by the Fair Debt Collection Practices Act ( FDCPA ). I am entitled to receive verification of the debt, including the original creditor 's name, the amount owed, and the details of any transactions related to this debt. Additionally, I have not received any communication from your agency prior to this collection attempt. According to the FDCPA, debtors have the right to be informed about the debt and given an opportunity to dispute it before any collection activity begins. This lack of communication raises serious concerns about the legality of your collection efforts. I request that you cease all collection activities on this alleged debt until the necessary documentation and validation are provided to me. Failure to comply with this request will result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any available legal remedies. Please respond in writing within [ 15 days from the date of this letter ] to address my concerns and provide the requested information. Your prompt attention to this matter is appreciated. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #10666976 about?
Complaint #10666976 was filed against Encore Capital Group INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2024-11-02T12:00:00-05:00.
How did Encore Capital Group INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.