Debt collection -- Attempts to collect debt not owed -- Complaint #5244765
Complaint Overview
Complaint ID: 5244765
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Georgia
ZIP Code: 30004
Date Received: 2022-02-21T12:00:00-05:00
Date Sent to Company: 2022-02-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have received numerous collection letters from Midland Credit Management. I responded several time with debt validation requests. I have certified proof that they received my letters. They have yet to provide me with information that i have requested from them. Instead they continue to send me the same letters asking me to provide them with a written explanation and documentation demonstrating any errors on my credit report. According to the law, if a debt can not be properly verified it must be removed. The burden of proof is on them. I demand they either send me contract with my name and signature or delete this entry from the bureaus immediately. I am aware of my rights.
Frequently Asked Questions
What is Complaint #5244765 about?
Complaint #5244765 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 2022-02-21T12:00:00-05:00.
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.