Debt collection -- Written notification about debt -- Complaint #5924395
Complaint Overview
Complaint ID: 5924395
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: California
ZIP Code: 92105
Date Received: 2022-08-28T12:00:00-05:00
Date Sent to Company: 2022-08-28T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX - I wrote XXXX and asked them to validate the debt of {$620.00}. I disputed the debt through all three credit bureaus and requested that all details of the debt be verified as accurate, XXXX verified the details of the debt as accurate. On or about XX/XX/XXXX, I made a {$300.00} payment to XXXX to pay down the debt. I requested a settlement amount and they stated I agreed to a schedule, which I never did. I reviewed my credit reports and the account is reporting inaccurately. XXXX is stating the original amount is {$320.00} and there is no record of any payments being made. XXXX has a responsibility to report the account accurately, per the correspondence they sent me, therefore, I am requesting the account to be deleted per 15 U.S.C. 1681i.
Frequently Asked Questions
What is Complaint #5924395 about?
Complaint #5924395 was filed against Encore Capital Group INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2022-08-28T12:00:00-05:00.
How did Encore Capital Group INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.