Debt collection -- Written notification about debt -- Complaint #11839578
Complaint Overview
Complaint ID: 11839578
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Georgia
ZIP Code: 30281
Date Received: 2025-01-17T12:00:00-05:00
Date Sent to Company: 2025-02-03T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Old account with XXXX Department store that went bankrupt, there were fraudulent charges in disputed, but the bank the store was dealing with after the bankruptcy would not listen, negotiate and failed to remove the charges. Then sometime last fall I was unfairly sent to collection by Midland Credit Management for the amount of {$1700.00} that grossly exceeded the " {$420.00} expense balance made by me '' that I can recall was due on that account. My fair credit act right was violated. I contacted them via phone left a detailed message citing 15-USC-1692-G no reply. Then I wrote a letter again citing 15-USC-1692-G on XX/XX/scrub>/2024 mailed it certified and was delivered, but never get any response instead MCM reported me to collection. The amount that they claimed is grossly inaccurate, and I asked for the following Debt Validation and as of today still no answer. Here are some of the points I made and requested ( 1 ) I want you to send me a detailed list of the history of payments made by me on this account. ( 2 ) I want to see the signature that I put on a contract guaranteeing that I pay this creditor. ( 3 ) I am asking to see that, has there been any insurance claim filed on this account. ( 4 ) I want to see proof that you have the chain of title to collect on this debt. Thus, I am seeking help from CFPB for this violation from MCM. I want MCM to take action by sending me a certified letter to forward to the three credits bureau as proof to erase that negativity on my credit report.
Frequently Asked Questions
What is Complaint #11839578 about?
Complaint #11839578 was filed against Encore Capital Group INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-01-17T12:00:00-05:00.
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.