Debt collection -- Written notification about debt -- Complaint #13796080
Complaint Overview
Complaint ID: 13796080
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Utah
ZIP Code: 84302
Date Received: 2025-05-29T12:00:00-05:00
Date Sent to Company: 2025-05-29T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2025, I mailed a debt validation request to Midland Credit Management regarding an account they claim I owe from XXXXXXXX XXXX ( XXXX ). They responded with billing statements on XX/XX/XXXX, which do not meet the legal requirements for debt validation. I then sent a follow-up letter on XX/XX/2025, requesting proper documentation : the original signed agreement, a purchase agreement showing ownership transfer, and a full itemized transaction history. To date, Midland has failed to provide adequate validation. I am requesting that they cease all collection activity and remove any credit reporting associated with this debt until proper documentation is provided.
Frequently Asked Questions
What is Complaint #13796080 about?
Complaint #13796080 was filed against Encore Capital Group INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-05-29T12:00:00-05:00.
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.