Debt collection -- Communication tactics -- Complaint #4911834
Complaint Overview
Complaint ID: 4911834
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Communication tactics
Sub-Issue: Used obscene, profane, or other abusive language
State: Tennessee
ZIP Code: 37076
Date Received: 2021-11-15T12:00:00-05:00
Date Sent to Company: 2021-11-15T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/21 at XXXX Company MCM , Midland Credit Management XXXX called me from XXXX and asked for my husband. I told them that I was at work and I'm not him but the person on the phone launched into a spiel about being a debit collector, call being recorded and proceed to tell me all the information of the debt. When I stated that it's a violation of law to do this in my state, as here in my state the law is " Communication with third parties Except as otherwise authorized in this rule, without the prior consent of the consumer provided directly to the debt collector or collection service, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the collection service. '' and I am none of those thing. So they have violated law by disclosing the amount of the debit and company it is for. All they can ask me is if I know how to reach him. At this point they hung up on me. I called back, and said I wanted them to know it was an issue. He said he'd mark my number as a wrong number. I said it wasn't a 'wrong number ' but the tactic they are using isn't legal. He hung up on me again. Called again and asked for a supervisor, have been on hold for 15 min at this point. I have to go back to work so I can not try to talk to the company any longer. This is not my first encounter with MCM using questionable methods and I am really tired of dealing with them in anyway.
Frequently Asked Questions
What is Complaint #4911834 about?
Complaint #4911834 was filed against Encore Capital Group INC. regarding Debt collection specifically about Communication tactics. It was received by the CFPB on 2021-11-15T12:00:00-05:00.
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.