Debt collection -- Written notification about debt -- Complaint #6766559
Complaint Overview
Complaint ID: 6766559
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: Florida
ZIP Code: 33068
Date Received: 2023-03-28T12:00:00-05:00
Date Sent to Company: 2023-03-28T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
SEE ATTACHMENT NOTICE TO to XXXX XXXX XXXX & XXXX XXXX This is a WARNING to STOP engaging in Unlawful, FRAUDULENT ACTIVITIES, IDENTITY THEFT, EXTORTING, RACKETEERING, ABUSIVE ACTS, DECEPTIVE AND MISLEADING REPRESENTATION or ILLEGAL ACTIVITIES. If you continue willingly and knowingly you are in violation of 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information and shall be punished as provided in subsection ( b ) of this section. The punishment for an offense under subsection ( a ) of this section is ( 1 ) except as provided in paragraphs ( 3 ) and ( 4 ), a fine under this title or imprisonment for not more than 15 years, or both. Please Note this is a serious crime and i will exercise my right in Federal court for violating my consumer rights. NOTICE : Request for Validity of Alleged Debt and FULL Disclosure of Purchase Agreement NOTICE to XXXX XXXX XXXX & XXXX XXXX, YOU BROKE THE LAW After checking my consumer report i notice " Midland Credit Management '' on my consumer report which appears deceptive and suspicious to me. I am writing this letter to dispute the validity of an alleged debt that you are attempting to collect from me. I have received multiple notices from " Midland Credit Management '' regarding a debt that you claim I owe. However, I have not received any information regarding the origin or validity of this alleged debt to lawfully verify the validity of your claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with full disclosure of the alleged debt, including the following : Full disclosure of the purchase agreement or forward flow agreement related to the alleged debt. Tracking of where you obtained the alleged debt from. The original contract, including wet signatures. The name and address of the original creditor to verify the accuracy and completeness of the alleged debt. I demand that all future communication on this matter be done in writing and that all collection activities cease including any phone calls stop immediately. Please be advised that any person who willingly and knowingly engages in unlawful activities, fraud, identity theft, extortion, abusive acts, any deceptive means in collection of alleged debt, racketeering or coercion and any illegal activities shall incur a penalty and/or criminal liability under the FDCPA. I look forward to hearing from you within 30 days of the receipt of this letter. Failure to provide the requested information will result in the assumption that the alleged debt is invalid and that you are no longer authorized to collect or report on it. NOTICE if you fail to comply and provide what is required under law I will charge you XXXX XXXX dollars ( {$1000.00} ) each day for damages and injuries to my character, reputation, mode of living under the FDCPA and any other applicable law. This is my offer to you. Please note notification shall be complete upon receipt. Thank you for your attention to this serious matter. Sincerely, XXXX XXXX Copy sent to : Federal Trade Commission ( FTC ) Attorney General ( AG )
Frequently Asked Questions
What is Complaint #6766559 about?
Complaint #6766559 was filed against Encore Capital Group INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2023-03-28T12:00:00-05:00.
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.