Debt collection -- Took or threatened to take negative or legal action -- Complaint #6444891
Complaint Overview
Complaint ID: 6444891
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened to sue you for very old debt
State: Colorado
ZIP Code: 81401
Date Received: 2023-01-16T12:00:00-05:00
Date Sent to Company: 2023-01-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This new complaint is in regard to the original complaint # XXXX in reference to XXXX XXXX account number XXXX, to which Midland Credit Management stated that `` A review of our records indicates that the statute of limitations has expired '', and that " Per your request, the above-referenced account has been marked 'Cease and Desist. ' " However, on Monday, XX/XX/2023 I received information from my Human Resources department that Midland Credit Management are still attempting to follow up on the garnishment. Their newest email comes today, requesting to be re-directed to " the concerned team or person. '' The original correspondence is from " XXXX '' and reads : " Hello, I am trying to reach out to Payroll/HR regarding information Related to Legal Process of Wage Garnishment that was recently delivered to your company. Please escalate this to the concerned department & have them respond back to me ; I will provide the concerned employees details. You can email or call me on the below mentioned Phone number and refer to reference number # XXXX. Thanks and Regards, XXXX XXXX XXXX XXXX XXXX XXXX Department Midland Credit Management A wholly owned subsidiary of Phone : XXXX Option # XXXX Fax : XXXX Email : XXXX '' Therefore, MCM is now not only illegally pursuing an old debt, but they are continuing with their litigation process despite assuring me that the account was marked " Cease and Desist. '' They are performing XXXX illegal actions regarding this debt and account.
Frequently Asked Questions
What is Complaint #6444891 about?
Complaint #6444891 was filed against Encore Capital Group INC. regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2023-01-16T12:00:00-05:00.
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.