Debt collection -- Took or threatened to take negative or legal action -- Complaint #4598833
Complaint Overview
Complaint ID: 4598833
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 to sue you for very old debt
State: Oregon
ZIP Code: 97701
Date Received: 2021-08-03T12:00:00-05:00
Date Sent to Company: 2021-08-03T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear CFPB, As you know you are no stranger to the deceptive tactics of Midland Credit Management. On XX/XX/2021, we received a notice that our account was in their " Pre-Legal Department '' and we were at risk of being sued. Midland Credit Management has no right to this debt and can not prove that we owe this debt. In their letter, they failed to provide the proper disclosures and I'm disgusted how many consumers they are ripping off with this type of bullying. The only way to " stop the legal process '' to pay an amount we DO NOT owe. I demand Midland Credit to provide proof that I owe this debt and if they can not do so, they must stop contacting us. We're prepared to fight back with our attorney if they will not leave us alone. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #4598833 about?
Complaint #4598833 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 2021-08-03T12:00:00-05:00.
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.