Debt collection -- False statements or representation -- Complaint #17854229
Complaint Overview
Complaint ID: 17854229
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Texas
ZIP Code: 75093
Date Received: 2025-12-08T12:00:00-05:00
Date Sent to Company: 2025-12-09T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Midland Credit Management has continued to bill me, collect on me, and report information to the credit bureaus even though they do not have a valid judgment and have not provided any of the documents I have repeatedly requested. On XX/XX/year>, a Midland representative told me that the lawsuit against me would stop if I made a payment. I relied on this statement and made payments, but Midland continued with the lawsuit anyway. They never sent anything in writing to confirm what they promised. I repeatedly asked Midland for proof of the debt, proof that they own the debt, a written agreement reflecting what their representative told me, and copies of the records they are using to collect and report this account. I also sent correspondence to both Midlands customer service and the attorney listed on the case. Neither responded to me. My emails and filings were ignored. The attorney identified on the case, XXXX XXXX, never communicated with me at all, and the only email address associated with her was XXXX address instead of a Midland corporate domain. Midland has never explained who she is or why a third-party service provider appears to be acting in a legal role for them. This added to the confusion and lack of transparency. Even though Midland did not validate the debt, did not provide documentation, did not respond to my correspondence, and did not provide any written agreement, they continued billing me and continued reporting the account as an active collection. They also pursued litigation despite telling me over the phone that it would stop. Midlands behavior has been misleading, harmful, and unfair. They continued to collect and report information without validation, without transparency, and without acknowledging my requests. Their actions have caused significant stress, confusion, and financial harm, and I am requesting that the CFPB review their conduct.
Frequently Asked Questions
What is Complaint #17854229 about?
Complaint #17854229 was filed against Encore Capital Group INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-12-08T12:00:00-05:00.
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.