Debt collection -- Communication tactics -- Complaint #8313247
Complaint Overview
Complaint ID: 8313247
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Communication tactics
Sub-Issue: You told them to stop contacting you, but they keep trying
State: Iowa
ZIP Code: 52732
Date Received: 2024-02-08T12:00:00-05:00
Date Sent to Company: 2024-02-08T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
After consulting with XXXX XXXX XXXX XXXX XXXX XXXX Legal Aid, on Monday, XXXX XXXX XXXX, I wrote and posted a NOTICE TO CEASE COMMUNICATIONS letter to Midland Credit Mgt , Inc. ( hereafter, MCM ). The first paragraph expressly states, " You are hereby notified to immediately cease all communications with me regarding the collection of a debt. This includes by telephone, mail, email, or any other means of communication to my home. I went on to inform MCM that " The debt is not enforceable because I am a low income senior citizen ; I have no cash reserves or other income to satisfy this debt. My sole income is Social Security which is collection proof ( judgment proof in common parlance ). Social Security is exempt from garnishment [ per Federal law ]. '' I also expressly stated in my letter to MCM that " Any further contact by your firm is a violation of the Fair Debt Collection Practices Act and could result in judgment against you for actual or statutory damages plus attorney fees. '' On Thursday, XXXX XXXX XXXX I received a phone call at XXXX XXXX XXXX, even though I had expressly written the above letter referencing MCM 's account # XXXX regarding collections communications cease. I declined this telephonic communication. I do not intend, nor do I have any desire to be harassed by any member or assigns of MCM , Inc. The Fair Debt Collection Practices Act is quite clear on this point. MCM was put on written notice that I have to desire for any and all communications from them. XXXX XXXX is not on retainer. She merely provided advice.
Frequently Asked Questions
What is Complaint #8313247 about?
Complaint #8313247 was filed against Encore Capital Group INC. regarding Debt collection specifically about Communication tactics. It was received by the CFPB on 2024-02-08T12:00:00-05:00.
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.