Debt collection -- Attempts to collect debt not owed -- Complaint #12588624
Complaint Overview
Complaint ID: 12588624
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: Virginia
ZIP Code: 231XX
Date Received: 2025-03-20T12:00:00-05:00
Date Sent to Company: 2025-03-20T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I received an initial communication from Midland Credit Management , Inc. ( MCM ) attempting to collect an alleged debt ( MCM Account # XXXX ). I responded by sending a letter to MCM disputing the debt and requesting debt validation under the Fair Debt Collection Practices Act ( FDCPA ) Section XXXX ( b ). In my request, I specifically asked for : The original purchase agreement with the original creditor, XXXX XXXX XXXX, Account ending in XXXX, bearing the signatures of all parties involved. Documentation of the legal transfer of this alleged debt from the original creditor, XXXX XXXX XXXX, to Midland Credit Management XXXX Inc., to clearly establish that MCM has the legal right to collect this alleged debt. MCM has failed to provide the requested documentation necessary to validate this alleged debt. Instead, MCM provided alleged credit card statements. I have sent multiple follow-up requests to MCM reiterating my demand for validation and reminding them of their obligations under the FDCPA to cease collection efforts until proper validation is provided. MCM continues its collection efforts without providing the required validation.
Frequently Asked Questions
What is Complaint #12588624 about?
Complaint #12588624 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 2025-03-20T12:00:00-05:00.
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.