Debt collection -- Took or threatened to take negative or legal action -- Complaint #4591477
Complaint Overview
Complaint ID: 4591477
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Massachusetts
ZIP Code: 021XX
Date Received: 2021-07-31T12:00:00-05:00
Date Sent to Company: 2021-07-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I had made a purchase totaling {$39.00} on a XXXX XXXX credit card on XX/XX/XXXX, half of which was delivered to me via mail at my address at the time. Prior to the purchase, I had changed my address with XXXX XXXX, online on their website, which clearly went through, as I began receiving catalogs, and my ordered merchandise, at that address. In XX/XX/XXXX, I received mail notification from Midland Credit Management ( MCM ) that I now owed {$310.00}, on the original unpaid {$39.00} purchase. The agency handling the billing for XXXX XXXX, XXXX, had been sending my statements to an old address from XXXX, despite my having changed the address with XXXX XXXX in XXXX. On XX/XX/XXXX, I called MCM to dispute the charges, and offered to immediately pay the original amount due, which I was told was unacceptable to them. I never received the billing statements, sent to my prior address, as my forwarding had run out 24 months before. Somehow between XXXX XXXX, XXXX, and selling my debt to MCM, my current address had been dropped. In the meantime, I had purchased thousands of dollars worth of home furnishings from XXXX XXXX, paid by XXXX, and was clearly good for the original purchase. I do not believe I should pay for their clerical errors or database merges.
Frequently Asked Questions
What is Complaint #4591477 about?
Complaint #4591477 was filed against Encore Capital Group INC. regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2021-07-31T12:00:00-05:00.
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.