Debt collection -- Written notification about debt -- Complaint #5501399
Complaint Overview
Complaint ID: 5501399
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Pennsylvania
ZIP Code: 19124
Date Received: 2022-04-26T12:00:00-05:00
Date Sent to Company: 2022-04-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Never received notice to dispute. Midland Funding placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports.
Frequently Asked Questions
What is Complaint #5501399 about?
Complaint #5501399 was filed against Encore Capital Group INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2022-04-26T12:00:00-05:00.
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.