Debt collection -- Attempts to collect debt not owed -- Complaint #9400638
Complaint Overview
Complaint ID: 9400638
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: Florida
ZIP Code: 331XX
Date Received: 2024-07-01T12:00:00-05:00
Date Sent to Company: 2024-07-01T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I received the attached letter from Midland Capital Management who claims I owe them payment for a credit card account with XXXX XXXX for {$4500.00}. Midland says they own the account BUT there is no proof of ownership included. To confirm their claim is legitimate, I demand one of the following : 1. a contract between myself and Midland showing I owe them money ; 2. a unredacted Bill of Sale for the alleged account showing my name ; 3. a purchase agreement showing my name and account number ; or 4. unredacted asset schedule showing my name. This is a request for proof of ownership, NOT validation. If Midland is unwilling or unable to provide this material, I demand they cease all further collection efforts and delete this information from any of my credit reports. I am ready to seek the services of a consumer lawyer if acceptable proof of ownership is not provided.
Frequently Asked Questions
What is Complaint #9400638 about?
Complaint #9400638 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 2024-07-01T12:00:00-05:00.
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.