Debt collection -- False statements or representation -- Complaint #8282015
Complaint Overview
Complaint ID: 8282015
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: Indiana
ZIP Code: 463XX
Date Received: 2024-02-04T12:00:00-05:00
Date Sent to Company: 2024-02-04T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My wages were garnished by Midland Credit Management. Each time my employer forwarded a payment to MCM they reported a lesser amount of payment to the credit bureaus. When I inquired about it they said they deducted from the payment for interest, although they constantly added interest to my balance several times while I was being garnished. ( Reporting a false amount is wrong regardless of the reason ). When I called MCM I asked if I had any other accounts with them. The representative informed me that there were three other accounts. I asked her for the balance. She said the balance is XXXX on all three accounts and they were closed. I asked for the previous balance and she said she could not see that amount because the balance is now XXXX. I asked for the name of the original creditor and she informed me they are XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, all three of my credit reports still showed a balance for three accounts after three weeks. I phoned MCM again and inquired if I had any outstanding accounts with them. I didn't mention my previous conversation with their representative. The second representative said the exact thing the first representative said. The three accounts were closed and the balance is XXXX. I asked if they would update that information to the credit bureaus. I waited a couple of weeks and the information remained the same. I disputed the information to all three credit bureaus. The three accounts on XXXX stayed and the balance increased and then decreased by the same amount. The three accounts were removed from XXXX. After some time they returned to my XXXX report. The balance increase and then decrease by the same amount. The same with XXXX. They continue to remove one or more account, report it back, increase the balance, and decrease the balance to all three credit bureaus. Each time they perform an action they are negatively effecting my credit score. I am trying to get back on my feet after a tragedy that set me back financially. MCM is making it hard for me to do that with their illegal tactics.
Frequently Asked Questions
What is Complaint #8282015 about?
Complaint #8282015 was filed against Encore Capital Group INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2024-02-04T12:00:00-05:00.
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.