Debt collection -- False statements or representation -- Complaint #5932945
Complaint Overview
Complaint ID: 5932945
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Pennsylvania
ZIP Code: 19460
Date Received: 2022-08-30T12:00:00-05:00
Date Sent to Company: 2022-08-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have two credit cards with debt collector Midland Credit management. The first one is a XXXX XXXX card with a debt of {$6600.00}. The second is also a XXXX XXXX card with a debt of {$3600.00}. I recently have become able to pay these debts off, so I contacted Midland credit management by phone on XX/XX/2022. I was put in touch with a Senor manager, named XXXX XXXX who I negotiated with a relative 's help down since we were paying them off in full. For the first debt, we negotiated down to {$4200.00} and the second down to {$2500.00}. I was sent an email to accept electronic communication which worked fine and then was supposed to receive an offer letter via email with the verbally agreed upon negotiated amount. Once we would receive those, we were going to make payment. The emails never came even after repeatedly checking my spam folder and refreshing my email. XXXX said he sent them, but we never received them. We called him back later that day to let him know this and to have him resend the emails. Once again, they never arrived, and when we called the second time, the phone line was so bad, we couldn't communicate. We were transferred to another manager whose line was also very difficult to hear. We began reading reviews about this debt collector and saw the awful record they have with customers either being defrauded or paying off debt and never having it properly credited. I was horrified by this, and although I am committed to resolving this debt, I am afraid that if I pay them, it won't be properly resolved and will remain on my record. The correspondence with them has made me uneasy. The bottom line is that I would like to have someone help me communicate with them so that I can properly pay this off and be free of this debt so that I may get my credit score back on track.
Frequently Asked Questions
What is Complaint #5932945 about?
Complaint #5932945 was filed against Encore Capital Group INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2022-08-30T12:00:00-05:00.
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.