Debt collection -- Attempts to collect debt not owed -- Complaint #4652027
Complaint Overview
Complaint ID: 4652027
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: Florida
ZIP Code: 33032
Date Received: 2021-08-22T12:00:00-05:00
Date Sent to Company: 2021-08-22T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I was notified by Midland credit XXXX about paying my debt or get sued. I received a subpoena for court and the account was completely paid in full and closed on XX/XX/XXXX. Midland credit management updated the credit bureaus that I owed $ XXXX and that the account was not paid in full, they have yet to report this to the credit bureau either. Also, XXXX XXXX sold the debt and were paid for it yet they would not remove this debt from my report either. My concerns are that after disputing this account of Midland credit management my credit score dropped over 50 points, and All I was disputing was the fact that they had not shown the account was paid in full to the credit bureaus. As of now I have two negatives on my report from midland credit saying I owe $ XXXX and one saying I owe $ XXXX, my one account with them has been paid in full and closed.
Frequently Asked Questions
What is Complaint #4652027 about?
Complaint #4652027 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 2021-08-22T12:00:00-05:00.
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.