Debt collection -- Attempts to collect debt not owed -- Complaint #5369063
Complaint Overview
Complaint ID: 5369063
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Texas
ZIP Code: 75234
Date Received: 2022-03-25T12:00:00-05:00
Date Sent to Company: 2022-03-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I received a letter from Midland Credit Management , LLC. They have accused me of opening a credit card with XXXX XXXX in XXXX. I don't recognize the card nor the address on the bill. I have not lived in Arkansas since XXXX. I don't know anyone in XXXX, AR. I believe my identity has been stolen.
Frequently Asked Questions
What is Complaint #5369063 about?
Complaint #5369063 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 2022-03-25T12:00:00-05:00.
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.