Debt collection -- Written notification about debt -- Complaint #5063906
Complaint Overview
Complaint ID: 5063906
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: 2022-01-01T12:00:00-05:00
Date Sent to Company: 2022-01-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I was recently informed that this ( Midland Funding ) somehow obtained a judgement against me. I was completely unaware of this judgement which was from over 10 years ago. I am curious to know where they got this debt from. I have requested a transaction history, itemized details of the so-called debt ( all the way to the original creditor ) Also I want to know what previous creditor charged off this deb, payoff information. I reached out to the ( Fair Credit Reporting Act in reference to this matter. I am considering contacting the court ( after the Holidays ) to file a motion to vacate the judgement, since the court has no proof of service. I never received this debt. I came across this article which shows illegal practices with this company, such as robo-signing and other illegal activities. Perhaps this company needs to be investigated. I am still waiting for proof of this debt. I want to know where the judgment originated from. Perhaps the news investigative department can investigate matters such as this. It would be good to see the news go into their office so everyone can see their illegal practices in person. I take this very seriously because I was not aware of this judgment until now 11 years later. I am attaching the document which was provided from a search that was done on the property. I wonder if other consumers are having similar issues such as mine. This is why I thought perhaps the district attorney, congressional leaders, consumer protection bureau, XXXX XXXX XXXX could possibly investigate, look into this situation. Please see the website link pasted here Midland Funding Settles Collections Abuse Probe - CFO. XXXX XXXX XXXXXXXX
Frequently Asked Questions
What is Complaint #5063906 about?
Complaint #5063906 was filed against Encore Capital Group INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2022-01-01T12:00:00-05:00.
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.