Debt collection -- Attempts to collect debt not owed -- Complaint #15862059
Complaint Overview
Complaint ID: 15862059
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was already discharged in bankruptcy and is no longer owed
State: Indiana
ZIP Code: 468XX
Date Received: 2025-09-10T12:00:00-05:00
Date Sent to Company: 2025-09-11T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Midland Credit Management is attempting to collect on a XXXX Bank XXXX account with a balance of {$1600.00}, along with other debts from the same time period. These accounts date back to XXXX and are over seven years old, making them time-barred and no longer legally enforceable under the Fair Debt Collection Practices Act ( FDCPA ). Despite the statute of limitations expiring, Midland continues to send emails, letters, and make collection calls regarding these accounts. I have previously notified them about the original debt and related accounts, informing them that these debts are no longer legally collectible, yet they continue their collection attempts.
Frequently Asked Questions
What is Complaint #15862059 about?
Complaint #15862059 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 2025-09-10T12:00:00-05:00.
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.