ENCORE CAPITAL GROUP INC.
Consumer Complaints
There are over 12398 complaints on file for ENCORE CAPITAL GROUP INC.. Dated between 2019-12-02 and 2013-07-18.
Complaints Page 9
2019-10-14
MT
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: On or about XX/XX/2019 I sent Midland Credit Management a certified letter requesting a validation of debt and as of todays date they haven't provided me any validation response. On or about XX/XX/2019 I sent Midland Credit Management a certified letter ( 2nd time ) requesting a validation of debt and as of todays date they haven't provided me any validation response.
On or about XX/XX/2019 I received a letter from Midland Credit Management stating we are unable to locate an account but are still negatively reporting to XXXX, XXXX, & XXXX collection accounts. Midland Credit Management hasnt provided me any validation response after 2 months of original request.
Company Response: Closed with non-monetary relief
2019-10-14
Bellevue, TX
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: i keep telling them that debt that they bought from other company is bad debt and the account was closed because of fraud charges were made and the account was paid in full but they won't work with me and remove that debt from my name they keep reporting false information to the credit bureau and it's affecting my credit score very bad, i sent them pictures of payments but they won't accept it and remove the account/debt from my name
Company Response: Closed with explanation
2019-10-14
Garrett Park, MD
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: Court ordered garnishment settled and Paid in Full. MIDLAND CREDIT fails to update and delete the collection from my credit report. The total due on judgement is {$630.00}, they are reporting and updating an incorrect balance of {$240.00}.
Company Response: Closed with explanation
2019-10-13
Ridley Park, PA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with non-monetary relief
2019-10-13
Oxford, GA
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Sued you without properly notifying you of lawsuit
Complaint: While back I had XXXX XXXX but my husband lost his job so I had to take care of the bills. I got harassed over and over again after the debt was sold to Midland Funding LLC.When they called the caller ID said Unknown.So I didn't answer.So now as of XX/XX/2019 I got serve with a lawsuit against me by them .For unpay debt The process server said just pay it and I said I will give them a called.I called them I said I would like a payment arrangement Midland Quoted we cant help you it's to late for that
Company Response: Closed with non-monetary relief
2019-10-13
Spring, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-10-13
Gaithersburg, MD
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-10-12
TN
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened or suggested your credit would be damaged
Complaint: Midland Credit Management is attempting to collect a debt on behalf of XXXX XXXX for {$870.00}. On XX/XX/2019 the alleged debt was sold to MCM. My first attempt, I sent a validation notice delivered on XX/XX/2019 certified with return receipt. My notice was ignored and MCM sent a Pre-Legal Notification dated XX/XX/2019. My second attempt I sent a Fault, Notice of Non-response, Non- Negotiable with an Opportunity to Cure delivered XX/XX/2019. My Notice was ignored and MCM sent another Pre-Legal Notification dated XX/XX/2019. My third attempt I sent a XXXXease and Desist notice on XX/XX/2019.
Midland Credit Management is NOW harassing ( name )!
Midland Credit Management are debt collectors and has failed several times to furnish a copy of the formal purchase agreement, and state how much was paid for the alleged debt. Midland Credit Management did NOT Furnish the name, address, and telephone number of the authorized representative who was authorized to sell this alleged debt to their firm.
Midland Credit Management claims to be the current owner ( HOLDER IN DUE COURSE ) yet, Midland Credit Management has failed several times ( certified mail numbers provided ) to provide ( name ) with THE ORIGINAL SIGNED, WET INK INSTRUMENT OF INDEBTEDNESS IN ITS ORIGINAL FORM.
Company Response: Closed with explanation
2019-10-12
Lorain, OH
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Company Response: Closed with non-monetary relief
2019-10-11
Baton Rouge, LA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Closed with explanation
2019-10-11
Ft Myers, FL
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief
2019-10-10
Clair Mel, FL
Threatened to contact someone or share information improperly
Debt collection: Other debt
Talked to a third-party about your debt
Complaint: My husband recieved a call from a debt collector on XX/XX/2019 at XXXX XXXX EST from ( XXXX ) XXXX, regarding an old bill from XXXX. He asked them to call back for me after XXXX and then they started to give him information about this debt. My husband was never on this account and he asked them several times to just call back for me because this sound like a personal business matter. They refused and kept giving out information regarding the debt asking him to make payment arrangements for this debt. I have asked them to stop callimg amd just send communicate in writing only. I feel that my privacy has been violated.
Company Response: Closed with non-monetary relief
2019-10-10
Yuma, AZ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2019-10-10
Madison, CT
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-10-10
Columbus, GA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: Midland Funding LLC is committing fraud by claiming I owe them a debt, I never signed any contract with them, they can not legally validate that I owe them a debt, my name is not spelled in ALL CAPITAL LETTERS because that's a fiction and I'm a flesh and blood human being, I've reserved my rights under UCC 1-308, My Moorish Appellation is XXXX XXXX which is my free national name, this debt collector isn't the original creditor, and never loaned me anything, I have laws that protect me under the FCRA, specifically Section 609, I don't understand why this debt collector hasn't been removed from my credit file, unless multiple organizations are partaking in fraud, in which I can sue any organization that chooses to do so, I request your organization take action on this notice, if by chance you agree with the fraud and identity theft taking place by Midland Funding LLC, then I will also have to include this organization in my lien process as well, Midland Funding bought this debt from someone else. That's reason enough to remove this debt from my credit file because it doesn't pertain to me.
Company Response: Closed with non-monetary relief
2019-10-10
Fort Worth, TX
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-10-10
Knoxville, TN
Communication tactics
Debt collection: I do not know
You told them to stop contacting you, but they keep trying
Complaint: Repeatedly calling after requesting they do not call. I did not give this company my phone number and they said they received it from elsewhere. When I asked again they do not call me, they continued to try to confirm personal information and argued with me
Company Response: Closed with non-monetary relief
2019-10-10
Hollywood, FL
Took or threatened to take negative or legal action
Debt collection: I do not know
Threatened or suggested your credit would be damaged
Company Response: Closed with explanation
2019-10-09
LA
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened to arrest you or take you to jail if you do not pay
Complaint: I have received numerous of threatening voice mails from Midland Funding. And threats to sue me. And now they are serving me subpoenas.
Company Response: Closed with explanation
2019-10-09
Arlington, WA
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2019-10-09
Hinkley, CA
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Complaint: This collection company levied my bank account and left me with XXXX dollars without any notification of a debt. When I spoke to them they indicated it was a debt from 2004. I asked for proof where the debt collections was sent to and the represantive was not able to confirm where it was sent, she kept throwing different addresses at me. I have not received a phone call or letter from this collector. In addition, I was not served with a levy from anyone or a notification of a judgement. They took my money I need to support myself and my family without any indication. I don't even have XXXX cents to buy a candy if I wanted to. This is unfair practice and should be illegal.
Company Response: Closed with explanation
2019-10-09
FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I have tried to contact both agencies without no information from either one of them no account number no account when it was open no count who opened it and when was it open when was it closed neither one of them talks to me I will give me any information thats my dilemma
Company Response: Closed with explanation
2019-10-09
Yeagertown, PA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Company Response: Closed with explanation
2019-10-09
Lakewood Village, TX
Written notification about debt
Debt collection: Credit card debt
Didn't receive notice of right to dispute
Company Response: Closed with non-monetary relief
2019-10-09
Hilldale, PA
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Seized or attempted to seize your property
Complaint: This company has put a writ of execution on my bank account on XX/XX/XXXX and is holding it for 30 days. This credit card debt is 10 years old and prior to this in XXXX there was a lein that was put on my property for this debt in the amount of {$1600.00}.
So when my bank emailed me saying my bank account was at a negative I called this company the very next day because I never received and email from my bank until the evening. Now this company is saying I owe {$3200.00}. All of a sudden not only are they trying to collect on a debt that already has a lein but also a credit card debt that is 10 years old and I am sure that my last payment made on this credit card was about 11 or 12 years ago. I have all documents required to support this. I did call them immediately and said how can you collect for a credit card debt that has a lein on my house already and also for something that is 10 years old. Of course they said they can and then they cant discuss anything until my 30 days was up.
I may be wrong but a Judgement lein is only good for 5 years on your property and this was not renewed. So this company is collecting for a debt that is 10 years old. I also believe that credit card debt in Pennsylvania has a statue of 6 years from the last payment made which I'm sure was in or around XXXX???
Company Response: Closed with explanation