Debt collection -- Attempts to collect debt not owed -- Complaint #5008457
Complaint Overview
Complaint ID: 5008457
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: 32301
Date Received: 2021-12-14T12:00:00-05:00
Date Sent to Company: 2021-12-14T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I'm apply for a sensitive public trust position with the XXXX government. On my credit report, it shows that I owe {$850.00} to XXXXMidland Funding , who obtained a judgment in XXXX district court for that amount. On XX/XX/2021, I called Midland and they said they have no record of that debt, and I called XXXX XXXX XXXX credit card services, who told me to contact XXXX, and XXXX told me to call Midland. On XX/XX/2021, I contacted the attorney of record on the judgment, and she instructed me to call the XXXX XXXX XXXX in XXXX XXXX, Michigan. XXXX told me to call Midland Credit and provide reference no, XXXX, and the last XXXX of the credit card was XXXX. On XX/XX/2021, I contacted Midland Funding and provided all the information and they still couldn't locate the debt. They couldn't locate the debt records, and told me that I am not obligated to pay on the account and a satisfaction will be recorded at the courthouse within XXXX days. I told them that fine, but I want a letter on Midland 's letterhead stating what they just old me. Midland said they are unable to do that. Midland would not forward the call or request to a supervisor to provide that letter. Midland 's number XXXX, XXXX, or XXXX. I can not wait thirty days. I'm undergoing a background investigation, and I want a letter indicating that I do not owe the debt and the court judgment will be satisfied so that I can present it to the federal investigator performing my background and clearance checks.
Frequently Asked Questions
What is Complaint #5008457 about?
Complaint #5008457 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 2021-12-14T12:00:00-05:00.
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.