Debt collection -- Attempts to collect debt not owed -- Complaint #5392938
Complaint Overview
Complaint ID: 5392938
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was already discharged in bankruptcy and is no longer owed
State: New York
ZIP Code: 11779
Date Received: 2022-03-31T12:00:00-05:00
Date Sent to Company: 2022-03-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have contacted Midland Credit Management at XXXX. explained to them that these XXXX debts were settled in my bankruptcy case # XXXX in XX/XX/2013. These keep appearing as judgements still not settled on my report. I need these debts to be removed from my report and would like a letter stating they were settled. MCM ACCOUNT # XXXX MCM ACCOUNT # XXXX
Frequently Asked Questions
What is Complaint #5392938 about?
Complaint #5392938 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 2022-03-31T12:00:00-05:00.
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.