Debt collection -- Attempts to collect debt not owed -- Complaint #7533584
Complaint Overview
Complaint ID: 7533584
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Georgia
ZIP Code: 398XX
Date Received: 2023-09-11T12:00:00-05:00
Date Sent to Company: 2023-09-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I, a consumer defined as, any natural person obligated or allegedly obligated to pay a debt pursuant to 15 USC 1692 ( a ) ( 3 ), have suffered from various violations of my Consumer rights protected by the Fair Debt Collection Act in connection with the collection of an alleged debt. I am aware and have proof that Midland Credit Management has violated 15 USC 1681 ( a ) ( 1 ), 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 3 ), 15 USC 1681 ( a ) ( 4 ). On XX/XX/2023 I sent Midland a letter to validate the debt they claim I owed. I have disputed the alleged debt multiple times and allowed Midland Credit Management appropriate time to show evidence of the alleged debt they claim I owe. They have disregarded these repeated requests and only sends a bank statement. They have not provided me with a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have suffered severe humiliation, embarrassment, emotional distress, and physical discomfort. I have been getting denied a car loan. Because of this I have missed multiple days of work due to no reliable transportation. Midland has violated 15 USC 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt.
Frequently Asked Questions
What is Complaint #7533584 about?
Complaint #7533584 was filed against Encore Capital Group INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-09-11T12:00:00-05:00.
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.