Debt collection -- Took or threatened to take negative or legal action -- Complaint #5170150
Complaint Overview
Complaint ID: 5170150
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened to sue you for very old debt
State: Virginia
ZIP Code: 24151
Date Received: 2022-01-31T12:00:00-05:00
Date Sent to Company: 2022-01-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Midland Credit Management placed one collection account on my credit report without any prior written communication about this at all. It seems Midland Credit Management purchased this account ( XXXX ) from another creditor in the amount of {$620.00}. I request that you please verify the following... 1. Full original account number. 2. Date original account was opened. 3. Any written agreements between myself and the original creditor stating that this debt is owed. 4. Full account summary on how the charges added up to {$620.00}. 5. Date of first delinquency. If Midland Credit Management is unable to provide the above identifying account information, this information must be deleted from all CRAs. Midland Credit Management also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed XXXX time frame that is allowed by federal law.
Frequently Asked Questions
What is Complaint #5170150 about?
Complaint #5170150 was filed against Encore Capital Group INC. regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2022-01-31T12:00:00-05:00.
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.