Debt collection -- False statements or representation -- Complaint #6063292
Complaint Overview
Complaint ID: 6063292
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Iowa
ZIP Code: 50320
Date Received: 2022-10-07T12:00:00-05:00
Date Sent to Company: 2022-10-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Account is stating incorrectly on credit report previously account was stating as a collection, derogatory and charge off all at the same time with XXXX XXXX and XXXX XXXX was not reporting any data account on credit report. Requested to verify or delete as I do not recall having this account open. I did not receive any documents verifying debt as mine rather results to investigation came back still reporting incorrectly. Account is now removed from collection to back to a open account type. XXXX is reporting comments of collection yet records payments on payment history Stating as OK as agreed all the way from XX/XX/XXXX to XX/XX/XXXX with120 days late on XX/XX/XXXX where previously account had no history whatsoever. Completely forgetting to record payments on date last payment. XXXX is reporting consecutive charge off from XX/XX/XXXX all the way to XX/XX/XXXX as if it was some sort of payment method. Date last active is incorrect stating as XX/XX/XXXX by XXXX XXXX XX/XX/XXXX by XXXX and XX/XX/XXXX by XXXX. This account is a total mistake there is no possible way that account can go from collection to back to an open account reporting no payments to adding payment history on one bureau and then the next bureau reports the whole opposite no doubt account is a mistake itself.
Frequently Asked Questions
What is Complaint #6063292 about?
Complaint #6063292 was filed against Encore Capital Group INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2022-10-07T12:00:00-05:00.
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.