Debt collection -- Took or threatened to take negative or legal action -- Complaint #11152345
Complaint Overview
Complaint ID: 11152345
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Sued you without properly notifying you of lawsuit
State: Texas
ZIP Code: 77066
Date Received: 2024-12-13T12:00:00-05:00
Date Sent to Company: 2024-12-13T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Midland Credit Management has filed a civil lawsuit alleging I owe them XXXX. In the petition filed, the debt collector has stated that I have refused to pay the alleged amount and now seek the lawsuit to recover. This is completely false and I attach not only the petition filed by Midland Credit Management but my attempts to resolve and receive the information pertaining to the alleged debt by XXXX. Due to my efforts exhausted I ask that CFPB conduct a review of Midland Credit Management action stemming from this alleged debt for violations. I believe that I requested throughly information that was not provided, yet this debt collector decided to file a lawsuit stating otherwise.
Frequently Asked Questions
What is Complaint #11152345 about?
Complaint #11152345 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 2024-12-13T12:00:00-05:00.
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.