Debt collection -- Written notification about debt -- Complaint #5059714
Complaint Overview
Complaint ID: 5059714
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: New Jersey
ZIP Code: 07103
Date Received: 2021-12-31T12:00:00-05:00
Date Sent to Company: 2021-12-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I recently saw some judgement on a title search. This company ( Midland Funding ) has no rights to any debt ; since they've never been a creditor of any debt I have. I believe they are in violation of the Fair Credit Reporting Act. I never received proper notice ( process of service ) via certified mail, process server, or sheriff server. I contacted the court about this matter. They stated there isn't any ( proof of service ) on file. For this reason, we will be requesting that a judge accept a motion to vacate this illegally obtained judgement. Midland Funding is not the original debtholder ( creditor ). I'd like to know where Midland funding obtained this debt. I was never properly served with the debt. Therefore, I don't know what this judgment is for. I would like a full transaction history, charge offs from previous holders of this debt, payoffs, it seems a bit suspicious that somehow, they obtained whatever this debt is, and I receive no proof of it. I would like to request the court/judge vacate, dismiss this judgement and have the creditor start the process over and serve documents with ( proof of service ). I would like to know the original debt holder so I can speak with them directly and possibly settle, make arrangements to pay any debts, if it is actually proven to be my debt. Can the CFPB investigate Midland Funding, to make sure they are operating within the law ( with obtaining any charged off debts )? I have reached out to the attorneys for Midland Funding who are collecting on their behalf. I requested proof of the debt ( from the original creditor ). They have not provided this information to me.
Frequently Asked Questions
What is Complaint #5059714 about?
Complaint #5059714 was filed against Encore Capital Group INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2021-12-31T12:00:00-05:00.
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.