ENCORE CAPITAL GROUP INC.


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"Products" offered by ENCORE CAPITAL GROUP INC. with at least one, but usually more complaints:

Bank account or service - Checking account
Bank account or service - Other bank product/service
Bank account or service - Savings account
Checking or savings account -
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Consumer Loan - Installment loan
Consumer Loan - Personal line of credit
Consumer Loan - Vehicle lease
Consumer Loan - Vehicle loan
Credit card -
Credit card - General-purpose credit card or charge card
Credit card - Store credit card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit card or prepaid card - Store credit card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Medical debt
Debt collection - Mortgage
Debt collection - Mortgage debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan
Debt collection - Payday loan debt
Debt collection - Private student loan debt
Debt collection - Rental debt
Debt collection - Telecommunications debt
Debt or credit management - Credit repair services
Debt or credit management - Debt settlement
Money transfer, virtual currency, or money service - Debt settlement
Mortgage - Conventional fixed mortgage
Mortgage - Conventional home mortgage
Mortgage - FHA mortgage
Mortgage - Home equity loan or line of credit
Mortgage - Other mortgage
Mortgage - Other type of mortgage
Other financial service - Credit repair
Other financial service - Debt settlement
Other financial service - Refund anticipation check
Payday loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, personal loan, or advance loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Personal line of credit
Prepaid card - General purpose card
Prepaid card - Other special purpose card
Student loan - Federal student loan servicing
Student loan - Non-federal student loan
Vehicle loan or lease - Lease
Vehicle loan or lease - Loan

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Complaint ID: 8104337

Date Received: 2024-01-05

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: Midland credit has filed a law suite and was awarded judgement over a debt I knew nothing about. This debt is well over XXXX years old and is against the fair debt collection act. I answered to the complaint in XXXX XXXX court on line and no new court date was issued. I was not aware of the court at that time. I was served with a garnishment on this debt that is very much over XXXX XXXX XXXX that I did not cause. Again this has past a statue of limitation per Georgia law. The collection agency Midland Credit only had XXXX years by Georgia law and now causing to infringe on the fair debt collect act. Something needs to be done on judges in XXXX XXXX for not enforcing these laws. I would like to file a suite against midland credit XXXX XXXX and XXXX XXXX ga for infringing on my rights to the fair debt collection act.

Company Response:

State: GA

Zip: 30263

Submitted Via: Web

Date Sent: 2024-01-05

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8102504

Date Received: 2024-01-03

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: My account was charged off and sold to Midland Credit Management. Midland Credit Management has become the servicer of this account. As a result, all payments and correspondence should be directed to : Midland Credit Management XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Michigan XXXX ( XXXX ) XXXX Midlandcredit.com If you have any questions about this account, please contact Midland Credit Management at ( XXXX ) XXXX and speak with XXXX of their specialists for assistance.

Company Response:

State: FL

Zip: 33033

Submitted Via: Web

Date Sent: 2024-01-03

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8101848

Date Received: 2024-01-04

Issue: Threatened to contact someone or share information improperly

Subissue: Contacted your employer

Consumer Complaint: I was never contacted from this company via phone, email or us mail and according to original debtor it was sold to this law firm. They sent a letter to my employer asking for my social security number and banking information as well as a copy of a judgment I was never even served with. Not once have they contacted me or written any letters. I tried to call and your put on hold for hours and nobody picks up the phone.

Company Response:

State: NY

Zip: 117XX

Submitted Via: Web

Date Sent: 2024-01-04

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8101447

Date Received: 2024-01-04

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: Refer to CFPB Case Number : XXXX, On XX/XX/XXXX, I wrote letters to Midland Credit Manangement , LLC spoke with XXXX XXXX , in the Concern dept @ XXXX asking for an update on my Identity theft account # XXXX. Midland Credit XXXX had an attorney office XXXX XXXX @ XXXX, filed for wage Garnishments without my knowledge. I was notified through my Employer back in XX/XX/XXXX. I immediately went to work on XX/XX/XXXX with all three Credit Bureaus disputing each account. Midland Credit Manangement had three accounts under my name however only two of these fraud accounts were closed. The third account XXXX, that went to XXXX XXXX a Identity Fraud packet was not applied & caused the Garnishments. After several attempts contacting Midland Credit Manangement, LLC XXXX XXXX, told me back on XX/XX/XXXX, that they needed to recall the account from the law firm. Ive now received a paid in full letter from the law firm & now awaiting a refund since XXXX XXXX confirmed receiving my fraud packet on XX/XX/XXXX, for the third time. XXXX, XXXX, XXXX XXXX XXXX, sent Midland Credit Manangement a fraud packet in XX/XX/XXXX, and To the XXXX XXXX back in XX/XX/XXXX, while in the middle of my paychecks being Garnished. Midland Credit Manangement had time to processed MCM # XXXX & MCM # XXXX as fraud accounts on XX/XX/XXXX, but failed to processed MCM # XXXX. XXXX XXXX, in Consumer Support dept advised me on XX/XX/XXXX, while being Garnished that she would recall my account from XXXX XXXX to review my account. XXXX XXXX confirmed on XX/XX/XXXX receiving my Fraud Packet, that fax to her number XXXX. I continue calling Midland Credit Manangement & XXXX XXXX XXXX making sure the Garnishments stopped. Afterwards I contacted XX/XX/XXXX, XXXX XXXX ( XXXX, ph : XXXX, with XXXX employed by Midland Credit Manangement explaining the Garnishment issue to her. I emailed XXXX XXXX showing that Midland Credit Manangement had already processed the fraud packets for two MCM # XXXX & XXXX accounts listed above, the third account MCM # XXXX not yet processed. XXXX received those letters I emailed that Midland Credit Closed both accounts. XXXX contacted Midland Credit Manangement and the Garnishment stopped immediately. Midland Credit Manangement stated that I paid the account # XXXX, in full although XXXX XXXX said, a balance of $ XXXX dollars was accruing interest daily. This is Unacceptable. Midland Credit Manangement refused to refund my Garnished wages knowingly that the fraud packet was received while the Garnishments was active. I've requested a refund of {$2700.00} however Midland Credit Manangement, claimed they received the fraud packet after the Account was placed with the Lawfirm. Under the FCRA law, you are not allowed to keep my wages if you processed the fraud packet for two accounts listed above, then refused to issue a refund, in your recent response to complaint number XXXX. I will attach documentation for supporting my claim.

Company Response:

State: GA

Zip: 303XX

Submitted Via: Web

Date Sent: 2024-01-09

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8101253

Date Received: 2024-01-03

Issue: Problem with a company's investigation into an existing problem

Subissue: Their investigation did not fix an error on your report

Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Midland Credit Management , Inc. regarding their handling of an alleged debt associated with account number XXXX. Despite multiple attempts to address this matter directly with the company, they have failed to provide the necessary documentation and have violated several provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The details of my complaint are as follows : Failure to Provide Validation : I have repeatedly requested comprehensive validation of the alleged debt, including signed documents establishing my direct ownership. Midland Credit Management , Inc. has failed to provide this information within the requested timeframe, violating my rights under the FDCPA. Unlawful Reporting of Disputed Information : Despite the ongoing dispute and lack of validation, Midland Credit Management , Inc. continues to report the alleged debt to credit bureaus. This is a direct violation of the FCRA, which requires accurate reporting and the cessation of reporting during a dispute. Refusal to Cooperate : The company has demonstrated a deliberate refusal to cooperate with my requests, ignoring the urgency of the matter and violating their obligations under federal law. Potential Violations of Identity Fraud Protection : Midland Credit Management , Inc. 's failure to adequately verify the legitimacy of the alleged debt may constitute negligent enablement of identity fraud, exposing consumers to potential harm. I have made the company aware of my intention to seek legal action, including potential small claims proceedings, and have provided them with a final opportunity to address the matter amicably. However, their continued non-compliance necessitates the involvement of the Consumer Financial Protection Bureau to ensure the protection of consumer rights. Enclosed with this complaint, please find copies of all relevant correspondence, including the letters sent to Midland Credit Management , Inc., highlighting my attempts to resolve this matter directly. I kindly request that the Consumer Financial Protection Bureau investigate this complaint thoroughly and take appropriate actions to ensure compliance with federal consumer protection laws. Thank you for your attention to this matter, and I look forward to a prompt resolution. Sincerely, XXXX XXXX

Company Response:

State: FL

Zip: 33311

Submitted Via: Web

Date Sent: 2024-01-03

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8100613

Date Received: 2024-01-03

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681., has violated my rights. Account name : Midland credit management 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I requested debt validation from agency and received a partial copy of a statement or just a confirmation that it was validated through a third party. I have sent multiple letters. Im requesting that these accounts be removed.

Company Response:

State: DE

Zip: 19701

Submitted Via: Web

Date Sent: 2024-01-03

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8099974

Date Received: 2024-01-03

Issue: Threatened to contact someone or share information improperly

Subissue: Contacted you after you asked them to stop

Consumer Complaint: Ive received almost ten of these harassing letters as well as phone calls last letter Ive received was XX/XX/2023

Company Response:

State: SC

Zip: 29115

Submitted Via: Web

Date Sent: 2024-01-03

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8098658

Date Received: 2024-01-03

Issue: Communication tactics

Subissue: Frequent or repeated calls

Consumer Complaint: They call me early in the XXXX XXXX XXXX XXXX Several times a day. Threatened to have their lawyer sue me and garnish my wages, take my house, take my car. I have told them to stop calling me until I get proof of debt, bill of sale, purchase agreement or anything on paper that I still owe this debt. They still repeatedly call myself and my husband

Company Response:

State: FL

Zip: 32738

Submitted Via: Web

Date Sent: 2024-01-03

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8095836

Date Received: 2024-01-03

Issue: Written notification about debt

Subissue: Didn't receive notice of right to dispute

Consumer Complaint: I called Midland back in XXXX when I seen this on my credit report I told them I needed them to send me paper work showing this was my debt, they never sent me any paperwork. I then mailed them a letter in Late XX/XX/ XXXX and still have not heard anything. Now this account is showing collections, but yet an open account which is not under FCRA Compliance this in inaccurate reporting!

Company Response:

State: TN

Zip: 378XX

Submitted Via: Web

Date Sent: 2024-01-03

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8095834

Date Received: 2024-01-03

Issue: Problem with a company's investigation into an existing problem

Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone

Consumer Complaint: Midland credit management has 3 accounts showing on my credit report they are reporting as a COLLECTION yet also reporting as an OPEN account with a BALANCE which goes against FCRA compliance.i have mailed letters I have called trying to get proof these are mine with no reply!

Company Response:

State: TN

Zip: 378XX

Submitted Via: Web

Date Sent: 2024-01-03

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.