Debt collection -- Attempts to collect debt not owed -- Complaint #16737877
Complaint Overview
Complaint ID: 16737877
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Nevada
ZIP Code: 89149
Date Received: 2025-10-21T12:00:00-05:00
Date Sent to Company: 2025-10-21T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Dear Midland Credit Management Fraud Department, I am writing to formally dispute and report a credit card account that was fraudulently opened in my name with Destiny Credit. I am a victim of identity theft and am not responsible for any activity, charges, or balances related to this account. In XX/XX/year>, I discovered that an account had been opened in my name without my knowledge or authorization. Upon learning of this, I immediately filed an identity theft report with the proper authorities and have been taking steps to correct the damage done to my credit profile. Under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ), I am not legally liable for debts resulting from identity theft.
Frequently Asked Questions
What is Complaint #16737877 about?
Complaint #16737877 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 2025-10-21T12:00:00-05:00.
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.