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: 7061257

Date Received: 2023-06-03

Issue: False statements or representation

Subissue: Attempted to collect wrong amount

Consumer Complaint: I have called several times this past year trying to ask who the alleged debt is for why they are continuing to garnish my wages when I have paid $ XXXX but last notice I received had the total a tad over {$4000.00} they can not find my name or SSN in thier system. They stopped in XXXX last year and did not start garnishing until XXXX this year as to work the system and let more fees add up. No one can tell me who the alleged debt is for or an approximate amount.

Company Response:

State: OK

Zip: 743XX

Submitted Via: Web

Date Sent: 2023-06-03

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7059500

Date Received: 2023-06-01

Issue: False statements or representation

Subissue: Attempted to collect wrong amount

Consumer Complaint: There is a collections account I found on my credit report that is being managed by Midland Credit Management. When I first noticed it I did not recognize the account and I disputed it. Since I started disputing this account the amount has gone up several times. This is a collection account which is closed so according to Title 18 of Pennsylvania code the amount of the debt owed can not increase without being made clear before hand. Since I have never had any communication with Midland this violates Pennsylvania Law. Title 18 ( b.1 ) Unfair or deceptive collection methods. -- It is unlawful for a collector to collect any amount, including any interest, fee, charge or expense incidental to the principal obligation, unless such amount is expressly provided in the agreement creating the debt or is permitted by law.

Company Response:

State: PA

Zip: 171XX

Submitted Via: Web

Date Sent: 2023-06-01

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7057368

Date Received: 2023-06-01

Issue: Written notification about debt

Subissue: Didn't receive notice of right to dispute

Consumer Complaint: I sent e mails and certified letters to this company explaining to them that I was never served any type of court paperwork or documentation about a garnishment. My work place informed me of this company garnishing my check. I sent e mails and certified letters explaining, they deliver or service court paper with my personal information to the wrong address. I tried to correct the problem by sending a certified letter with a copy of my driving license with my correct address, and this company refuse to acknowledge, they had hired a company to deliver court paperwork with my personal information on to the wrong address. This was very embarrassing. Personal and physical. I tried to explain to them I have never live at that address. Check the DMV because this address has never been on a Washington State drivers license that belong to me. This company contacted the credit bureau XXXX and placed this address on my credit report. I spoke to XXXX and was informed that this company verify to them that this was my correct address with a XXXX debt. And I needed to go through this company to have this remove on my credit report.

Company Response:

State: WA

Zip: 980XX

Submitted Via: Web

Date Sent: 2023-06-01

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7053820

Date Received: 2023-05-31

Issue: Written notification about debt

Subissue: Didn't receive enough information to verify debt

Consumer Complaint: I checked my credit report to find several debts that I never even heard of. I then Contacted them to verify the alleged debt. I sent a letter stating I checked my credit report and they were on there as a derogatory mark. I wrote them on XX/XX/23 and asked for proof ( Attach ) of how they came to have this alleged debt. I have received nothing and they are still listed on my credit report today. In accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party is making the claim. THEY MUST PROVIDE XXXX the original purchase agreement that shows their company is the legal owner of this alleged debt XXXX. The original contract WITH MY SIGNATURE from the company XXXX. A DETAILED BREAKDOWN of how they came to the total they have XXXX. I would also like a copy of the LAST BILLING STATEMENT from the original debt to verify the totals. Please include all of the Terms and Conditions that are included in this supposed agreement ( XXXX ).

Company Response:

State: PA

Zip: 191XX

Submitted Via: Web

Date Sent: 2023-05-31

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7053316

Date Received: 2023-05-31

Issue: Communication tactics

Subissue: Used obscene, profane, or other abusive language

Consumer Complaint: Account # XXXX To whom It XXXX concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$670.00}. This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.

Company Response:

State: PA

Zip: 19145

Submitted Via: Web

Date Sent: 2023-05-31

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7052163

Date Received: 2023-05-31

Issue: False statements or representation

Subissue: Indicated you were committing crime by not paying debt

Consumer Complaint: I am contacting you to request the deletion and removal of the accounts and information mentioned below from my consumer report. It is imperative that these accounts and associated details are not reported on my consumer report, as their inclusion violates both the FDCPA and FCRA. I insist that you take immediate action to delete and remove these accounts and information from my consumer report, as their presence constitutes a violation of multiple laws. Please proceed with the removal of these accounts and information without delay.

Company Response:

State: FL

Zip: XXXXX

Submitted Via: Web

Date Sent: 2023-05-31

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7052012

Date Received: 2023-05-31

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: They sent out a pre-legal notice as a scare tactic for a Debt. I do not owe or have a contract with them to pay them for services or Money they gave me. I just received a letter in the mail that looked like it was posted on their end on XX/XX/23 at the top. But is just now receiving it. But never received anything beforehand. They said they made several attempts to contact me. But sent nothing or I would have disputed it. I have not signed for anything, I do not have a contract or anything else with this company. I do not have that name or address as written in their letter as well.

Company Response:

State: PA

Zip: 19013

Submitted Via: Web

Date Sent: 2023-05-31

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7051039

Date Received: 2023-06-01

Issue: Attempts to collect debt not owed

Subissue: Debt was already discharged in bankruptcy and is no longer owed

Consumer Complaint: Hello, i am reaching out to you because i am being sued by a creditor named Midland Funding LLC, I received a summons from Midland in XXXX of XXXX and answered it. I was given a pre-trial hearing which i attended earlier this morning XX/XX/XXXX. During the hearing the Judge asked me and the Plantiff 's attorney to talk about the case one on one outside before he began. While speaking with Midlands Attorney he asked me what i wanted to do with the account? I advised him the Summons i answered did not have the original creditors name on it or indicate the amount or amount being claimed that i owe, I also asked him if he had record of the last payment made to the original creditor and he advised me the last payment made was in XXXX. I advised the attorney the Statutes of limitations for this debt appears to have expired based on New York State Law. He pretty much acknowledge this but stated he only goes by what he is given to work with? That said, he advised me he would ask the Judge to adjourn the case for 45 to 60 days for discovery, and i agreed. I am reaching out because i feel the Midland is suing even though they may be aware the Statutes of limitations has expired.

Company Response:

State: NY

Zip: 10940

Submitted Via: Web

Date Sent: 2023-07-08

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7050894

Date Received: 2023-06-01

Issue: Written notification about debt

Subissue: Didn't receive enough information to verify debt

Consumer Complaint: NOTICE TO XXXX XXXX XXXX and XXXX XXXX XXXX of MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX Please take notice that this is a criminal investigation of the business practices of the above named, organization or other governmental unit, its agents, officers, employees, and attorneys to determine violations of the United States criminal laws. MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX and XXXX XXXX XXXX claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18, Sec, 2073 ( falsifying records ) and further; uttering and possessing false obligations and counterfeit securities based upon the falsified records of U.S.C. Title l8, Sec. 471, 472, 473, and/or 513, and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 Sec. 1961 et. Seq. and further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. Sec. 1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. Sec. 1842 - Fictitious Names THIS IS A WARMING TO MIDLAND CREDIT MANAGEMENT INC XXXX XXXX XXXX AND XXXX XXXX XXXX TO STOP YOUR ILLEGAL, EXTORTION AND RACKETERRING ACTIVITIES IMMEDIATELY OR FACE CRIMINAL CHARGES UNDER FEDERAL LAW. I DEMAND YOU TO COMPLY OR FACE LEGAL ACTIONS. NOTICE I am requesting an updated copy of my credit report.

Company Response:

State: FL

Zip: 33068

Submitted Via: Web

Date Sent: 2023-06-01

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7047067

Date Received: 2023-05-30

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: In XX/XX/2022, I received notice that my Information was used for a bank account that I had no idea that was opened in my name. This made me aware that many other actions like credit cards were issued using my information. I then proceeded to place a freeze on my accounts through the credit bureaus. This Year I reached out to the debt collectors to ask if they can validate these debts either through an original copy of the contract or a purchase agreement, they did not provide those documents, but instead summons me to court for a lawsuit. My identity was compromised and stolen and was used. Before I knew about this or could do something about this. My information was used. I have already taken steps to report my Identity theft. However, Im still dealing with these debt collectors whos primary focus is to collect.

Company Response:

State: TN

Zip: 373XX

Submitted Via: Web

Date Sent: 2023-07-06

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.