Debt collection -- False statements or representation -- Complaint #12569280
Complaint Overview
Complaint ID: 12569280
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Alabama
ZIP Code: 352XX
Date Received: 2025-03-19T12:00:00-05:00
Date Sent to Company: 2025-03-19T12:00:00-05:00
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, AL XXXX Midland Credit Management, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Subject : Debt Validation Request Dear Midland Credit Management, I am writing to request validation of the debt you claim I owe, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide me with the following information for account ending in XXXX for XXXX XXXX : XXXX. Proof of debt ownership A copy of the original creditors bill of sale or assignment agreement showing your right to collect this debt. 2. Full account details A copy of the original contract or agreement with the original creditor. 3. Itemized account history A breakdown of the balance, including principal, interest, fees, and payments made. 4. Statute of limitations verification The date of last payment or charge-off. 5. Collectors authority Proof that your agency is licensed to collect debt in my state. If you can not provide this documentation, I request that you cease collection efforts and remove any negative reporting from my credit file. As per federal law, all collection activity must stop until this debt is properly verified. Please send your response in writing to the address listed above. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12569280 about?
Complaint #12569280 was filed against Encore Capital Group INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-03-19T12:00:00-05:00.
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.