Debt collection -- Written notification about debt -- Complaint #17953215
Complaint Overview
Complaint ID: 17953215
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Florida
ZIP Code: 33322
Date Received: 2025-11-27T12:00:00-05:00
Date Sent to Company: 2025-11-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am requesting validation of the debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to receive full verification before any further collection activity continues. Please provide : 1. The name of the original creditor. 2. A complete itemized statement of the alleged debt. 3. A copy of the original signed contract or agreement bearing my signature. 4. The full chain of title, including all assignment or transfer documents. 5. The amount you purchased this alleged debt for. 6. Proof that you are legally authorized to collect in my state. A generic bill of sale is not proof of ownership of any specific account. Validation must include documentation that clearly identifies me and this alleged debt. Until you provide proper validation, cease all collection activities and do not report this account to any credit reporting agency.
Frequently Asked Questions
What is Complaint #17953215 about?
Complaint #17953215 was filed against Encore Capital Group INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-11-27T12:00:00-05:00.
How did Encore Capital Group INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.