Debt collection -- Electronic communications -- Complaint #18030112
Complaint Overview
Complaint ID: 18030112
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Electronic communications
Sub-Issue: You told them to stop contacting you, but they keep trying
State: Alabama
ZIP Code: 35242
Date Received: 2025-12-14T12:00:00-05:00
Date Sent to Company: 2025-12-14T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Sent this dispute Name : XXXX XXXX Last 4 of SSN : XXXX Email Address : XXXX Address : XXXX XXXX XXXX XXXX XXXX : XXXX Zip Code : XXXX State : XXXX Type : General Dispute Description : Request for Debt Validation Under the Fair Debt Collection Practices Act Dear Midland Credit Management, I am writing to formally request validation of a debt that your company claims I owe. I recently received a notice from Midland Credit Management regarding an alleged debt in the amount of {$1600.00}, with account number XXXX, originally from XXXX XXXX XXXX XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, I am entitled to dispute the validity of this debt and request verification. Please provide me with the following information : 1. The name and address of the original creditor. 2. A copy of the original agreement or contract showing that I owe this debt. 3. Verification of the amount owed, including a detailed breakdown of any fees, interest, or other charges added to the original amount. 4. Proof that Midland Credit Management is authorized to collect this debt on behalf of the original creditor. 5. Any judgment or other legal documentation if applicable. Until you provide this validation, please cease all collection activities, including phone calls, letters, and credit reporting, as required by law. If you do not validate the debt within 30 days of receiving this request, I will consider the debt invalid and expect you to remove any related information from my credit reports and cease all further contact. Please send the requested information to me via mail to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Request sent XX/XX/XXXX at XXXX XXXX Attempt 2 on email confirmation. Was contacted again about the debt XX/XX/XXXX at XXXX XXXX
Frequently Asked Questions
What is Complaint #18030112 about?
Complaint #18030112 was filed against Encore Capital Group INC. regarding Debt collection specifically about Electronic communications. It was received by the CFPB on 2025-12-14T12:00:00-05:00.
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.