Debt collection -- Attempts to collect debt not owed -- Complaint #18699800
Complaint Overview
Complaint ID: 18699800
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Texas
ZIP Code: 77304
Date Received: 2026-01-13T12:00:00-05:00
Date Sent to Company: 2026-01-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/26 I received a call from a rep at Midland Credit Management who asked me to return the call about a " personal business matter ''. I have received their calls for an extended time and have bee on the Do Not Call list for awhile. At some point last year after repeated calls from them, I returned the call to their rep asking them the purpose of the call and they have been reaching out to me but they are looking for another person who I don't know. On at least XXXX occasions I have asked them to take me off their list, there is no one at this number for who they are looking for. The calls stop for a short time and then they start up again even if I block them. I suspect I will start getting several calls a week now as that is there pattern. Today, I did not return or answer the call and have blocked the number yet again. I am very frustrated they continue to reach out. As of today, I will maintain a log of the calls I receive to substantiate my claim of harassment. Thank you for your support and assistance.
Frequently Asked Questions
What is Complaint #18699800 about?
Complaint #18699800 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 2026-01-13T12:00:00-05:00.
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.