Debt collection -- Attempts to collect debt not owed -- Complaint #11384343
Complaint Overview
Complaint ID: 11384343
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Illinois
ZIP Code: 60649
Date Received: 2025-01-04T12:00:00-05:00
Date Sent to Company: 2025-01-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
During the COVID-19 Pandemic, I reached out to Midland Credit about my two credit accounts. The first one was XXXX XXXX, and the other one is XXXX XXXX XXXX, both under the same company. Despite paying off the debt, it was never removed from my credit report. It is now 2025, and the negative items are still there. After multiple calls, I am still left with unanswered questions. Despite both parties agreeing that the debt was settled, it remains on my credit report. I urgently need your assistance to understand why these items are negatively affecting my credit when the payments have been made. Your help is required ASAP.
Frequently Asked Questions
What is Complaint #11384343 about?
Complaint #11384343 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 2025-01-04T12:00:00-05:00.
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.