Debt collection -- Attempts to collect debt not owed -- Complaint #17987569
Complaint Overview
Complaint ID: 17987569
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Arizona
ZIP Code: 85705
Date Received: 2025-11-28T12:00:00-05:00
Date Sent to Company: 2025-11-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I authorized a payment after an agreement made with Midland Credit Management to settle my debt and delete from all tradelines with a single payment. The payment was made the same day and their systems fraudulently claimed I did not make the payment. The payment I made on the XXXX has been completely erased from their system and their second attempt to charge me on the XXXX shows as declined. Therefore, it shows as though I did not make the payment although the funds have been approved and taken out of my account immediately after I authorized the transaction on the XXXX. I have attached proof of this.
Frequently Asked Questions
What is Complaint #17987569 about?
Complaint #17987569 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 2025-11-28T12:00:00-05:00.
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.