Debt collection -- Took or threatened to take negative or legal action -- Complaint #17797901
Complaint Overview
Complaint ID: 17797901
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Ohio
ZIP Code: 450XX
Date Received: 2025-11-20T12:00:00-05:00
Date Sent to Company: 2025-11-21T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Midland Credit Management has been harassing me with repeated threats of a lawsuit during a phone call about XXXX accounts they claim to own. On XX/XX/year> at approximately XXXX XXXX, the representative told me multiple times that the company was planning to sue me, even though I have never received any written intent to sue, no pre-legal notice, and no court summons. These statements constitute false legal threats in violation of FDCPA 807 ( 5 ). When I attempted to negotiate a settlement, the representative continued using verbal threats of legal action to pressure me into paying a higher amount immediately. The tone of the call was intimidating, coercive, and abusive. I felt extremely scared and uncomfortable due to these aggressive tactics. Additionally, the balances and reporting dates Midland is furnishing to the credit bureaus do not match the original creditors information. XXXX charge-off letter lists a balance of {$1800.00}, while Midland reports a different balance of {$1700.00}. The dates of delinquency, charge-off, and other account details also do not match. This violates the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires debt collectors to report accurate and verifiable information. Midland also failed to provide full validation of the alleged debts under the FDCPA. The documents they sent did not include : a signed agreement or contract bearing my signature a complete itemization of how the balance was calculated a proper chain of title clearly showing the transfer of ownership with my account details They only provided generic billing statements, which does not satisfy FDCPA validation requirements. Because of the false threats, inaccurate reporting, and incomplete validation, I am requesting the CFPB to : 1. Investigate the representatives unlawful conduct 2. Stop the harassment and illegal threats 3. Require Midland to correct or delete the inaccurate information they are reporting 4. Require Midland to communicate with me in writing only going forward I am requesting full review and enforcement action for these violations.
Frequently Asked Questions
What is Complaint #17797901 about?
Complaint #17797901 was filed against Encore Capital Group INC. regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2025-11-20T12:00:00-05:00.
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.