Checking or savings account -- Managing an account -- Complaint #9153732
Complaint Overview
Complaint ID: 9153732
Company: Encore Capital Group INC.
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
State: New York
ZIP Code: 10314
Date Received: 2024-06-02T12:00:00-05:00
Date Sent to Company: 2024-06-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Complaint Against Midland Credit Management for Improper Debt Collection PracticesDear Sir/Madam, I am writing to file a complaint against Midland Credit Management , located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX, and their attorney, XXXX XXXX. Constractor, New Jersey law, firmXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX NJ XXXXXXXX, for improper debt collection practices.Summary of Events : Bank Account Frozen : I live in New York and have a bank account here.On XX/XX/2024, I found out that my XXXX XXXX account was frozen with {$800.00} taken.I never received any court papers about a lawsuit against me in New Jersey.Wrong Address and Misleading Notices : I objected to the bank account freeze in XXXX XXXXDespite providing my correct New York address , the court continued to send notices to the wrong address.The notices instructed me " Do not come to the court '' and stated " No oral arguments will be presented. " My objection was subsequently denied on the grounds of " failure to appear '' for the hearing, despite the misleading notices and improper address use.Legal and Financial Issues : New Jersey law states that funds under {$1000.00} are exempt from garnishment.The court 's ruling was based solely on the documents provided by the plaintiffs attorney, which violates both federal and state laws.The actions of Midland Credit Management and their attorney have caused me financial and emotional stress.Pattern of Complaints : Midland Credit Management has many consumer complaints against them for similar issues.They are using New Jersey authorities in ways that violate New Jersey law.Request for Investigation : I am asking the Consumer Financial Protection Bureau to investigate the actions of Midland Credit Management and their attorney. Specifically, I request : An investigation into why my bank account was frozen.A review of the court 's handling of my case, including the wrong addresses and misleading notices.Assurance that New Jersey law and federal laws are being followed regarding exempt funds.An examination of the broader pattern of complaints against Midland Credit Management.A resolution that addresses the financial and emotional harm caused to me.Thank you for your attention to this matter. I look forward to a prompt resolution.Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #9153732 about?
Complaint #9153732 was filed against Encore Capital Group INC. regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2024-06-02T12:00:00-05:00.
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 (Checking or savings account) 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.