Debt collection -- Written notification about debt -- Complaint #12662286
Complaint Overview
Complaint ID: 12662286
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: Florida
ZIP Code: 32218
Date Received: 2025-03-23T12:00:00-05:00
Date Sent to Company: 2025-03-23T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Midland Credit, a debt collection agency that has engaged in practices I believe to be in violation of federal regulations. The details of my complaint are as follows : 1. I received a communication from Midland Credit attempting to collect a debt they claim I owe. I dispute owing any such debt to them and have communicated this dispute to the agency. 2. Revocation of Communication Consent : I have explicitly revoked any consent for Midland Credit to contact me via email, text messages, or phone calls. Despite this revocation, the agency has continued to contact me through these channels, which I believe constitutes harassment. 3. Request for Debt Validation : I have formally requested that Midland Credit provide validation of the alleged debt, as required by 12 CFR 1006.34. Specifically, I requested : A complete itemization of the debt. The name and address of the original creditor. A statement of my right to dispute the debt. The exact amount claimed and an explanation of how it was calculated. To date, they have not provided this information. 4. Request for Purchase Agreement : I have asked Midland Credit to furnish the purchase or assignment agreement between them and the original creditor to verify their legal right to collect the alleged debt. This request has been ignored. 5. Proof of Licensing and Bonding : I have requested that Midland Credit provide proof that they are licensed and bonded to operate as a collection agency in Florida, as required by state law. They have failed to provide this documentation. Furthermore, under 15 USC 1681s-2 ( a ) ( 7 ) ( A ), if Midland Credit has reported this alleged debt to any consumer reporting agencies, they are required to notify them of my dispute. I have reason to believe they have not fulfilled this obligation. I am seeking the Consumer Financial Protection Bureaus assistance in investigating these matters. I request that Midland Credit be compelled to : Cease all unlawful communication practices. Provide the requested debt validation information. Furnish proof of their licensing and bonding. Notify all relevant consumer reporting agencies of my dispute regarding the alleged debt.
Frequently Asked Questions
What is Complaint #12662286 about?
Complaint #12662286 was filed against Encore Capital Group INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-03-23T12:00:00-05:00.
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.