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: 8035783

Date Received: 2023-12-20

Issue: Communication tactics

Subissue: You told them to stop contacting you, but they keep trying

Consumer Complaint: Midland Credit Management Inc willfully violated my rights under the FDCPA and Im taking action

Company Response:

State: CA

Zip: 958XX

Submitted Via: Web

Date Sent: 2023-12-20

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8032043

Date Received: 2023-12-21

Issue: Written notification about debt

Subissue: Didn't receive enough information to verify debt

Consumer Complaint: I asked for validation of the debt via their online contact us chat in the beginning of XXXX and the lady threatened to sue me and that wage garnishment can occur. She scared me and coerced me to pay even though I repeatedly asked for accuracy and validation be provided. She said I can dispute it after I pay and to just pay to prevent lawsuit and judgement against me. I paid because I was frightened not because I owe the debt or know of the debt. I then sent and tracked a letter dated XX/XX/XXXX asking for all allowed validation of debt documents per the FDCPA including the signed contract or agreement and I did not receive all required to validate the debt. I received XXXX credit card statement and a letter for them. I also advised in that letter I sent that I was disputing the debt and that they can not contact me. They sent multiple statements and still tried to contact me via mail. Today I reached out again and the representative said it was still in process I asked what that meant and he refused to help I advised my social security card was stolen in XXXX and that I no longer had the original police report. He refused to assist on the status of these accounts and ended the chat on me ( hung up ) I have not received debt validation. They refused to help with questions and threatened me. I took screen recordings of every conversation and have the tracking number and copy of letter that I sent requesting the information I am legally entitled to.

Company Response:

State: CO

Zip: 80110

Submitted Via: Web

Date Sent: 2023-12-21

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8030212

Date Received: 2023-12-20

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: 2021 requested information from creditor to validate information of accounts, due to being a victim of identity theft.

Company Response:

State: FL

Zip: 33067

Submitted Via: Web

Date Sent: 2023-12-20

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8030185

Date Received: 2023-12-20

Issue: Electronic communications

Subissue: Contacted before 8am or after 9pm

Consumer Complaint: Ive been contacted several times via phone and email about a debt that Im unaware about from this company. I asked the company to verify the debt that I owed to them they stated that they were a third party debt collector and couldnt verify that I owed there company anything

Company Response:

State: IL

Zip: XXXXX

Submitted Via: Web

Date Sent: 2023-12-20

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8029809

Date Received: 2023-12-20

Issue: Communication tactics

Subissue: Used obscene, profane, or other abusive language

Consumer Complaint: THIS IS XXXX XXXX AND I AM DISPUTING THE ALLEGED ACCOUNT WITH DIVISION XXXX XXXX XXXX AND MIDLAND CREDIT MANAGEMENT AND XXXX XXXX XXXX. I AM REQUESTING VERIFICATION UNDER OATH OF THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR FOR THIS ALLEGED DEBT. I AM INVOKING MY SPECIFIED REMEDY AS THE ORIGINAL CREDITOR AND DEMAND FOR MIDLAND CREDIT MANAGEMENT AND XXXX XXXX XXXX TO CEASE AND DESIST ALL COMMUNICATION WITH ALL THIRD PARTIES ; XXXX, XXXX AND XXXX IMMEDIATELY.

Company Response:

State: GA

Zip: 30017

Submitted Via: Web

Date Sent: 2023-12-20

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8027405

Date Received: 2023-12-19

Issue: Incorrect information on your report

Subissue: Account status incorrect

Consumer Complaint: I am specifically requesting a tax statement or written confirmation that the debt associated with this XXXX XXXX XXXX. account # XXXX has been written off. Additionally, I would like to receive any supporting documentation related to the charge-off, including the official date of the charge-off and details about the subsequent resolution and reporting. BUT FAIL TO DUE SO. Please provide the requested information through the credit reporting agency 's secure online portal. If there are any specific forms or procedures required to process this request, kindly provide guidance on how I can complete the necessary steps. I appreciate your prompt attention to this matter and thank you in advance for your assistance in resolving this issue. If there are any fees associated with obtaining this information, please inform me in advance.

Company Response:

State: FL

Zip: 33334

Submitted Via: Web

Date Sent: 2023-12-19

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8025310

Date Received: 2023-12-19

Issue: Unauthorized withdrawals or charges

Subissue:

Consumer Complaint: I became XXXX XXXX in XXXX. The XXXX account I had was supposed to have protection for this. I paid a monthly fee for this coverage. Midland Credit management contacted me on behalf of XXXX this year. I was too sick to argue about the Credit protection so just set up a payment plan with Midland for XXXX a month since I'm on XXXX XXXX and can't afford much. Midland Credit took {$880.00} out of my bank WITHOUT my permission. Our agreement was for XXXX a month. Luckily I caught the charge and called my bank, who then reversed the charged and blocked any further withdrawals from Midland. I had to cancel my debit card. I reported them to the credit reporting agency for stll showing a delinquent balance on my credit report, and the decision was in my favor. Yet they are still showing up on the other two agencies as delinquent. Since they tried to steal almost my entire XXXX check when our agreement was XXXX a monthI refuse to pay them a XXXX. It should have been covered in the first place but even when I tried to go ahead and pay in small amounts what I could, Midland tried to steal almost XXXX out of my bank. Please make them take themselves OFF all my credit reports and cancel this debt. This insanity has not only imcreased my health problems, but I also have severe XXXX XXXX XXXX XXXX and I have been a complete walking nervous breakdown. Please fix this for me before I jave to hire an attorney I can't afford Thank you, XXXX XXXX

Company Response:

State: NC

Zip: 286XX

Submitted Via: Web

Date Sent: 2023-12-19

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8024795

Date Received: 2023-12-20

Issue: Written notification about debt

Subissue: Didn't receive notice of right to dispute

Consumer Complaint: I recently contacted Midland Credit to dispute the credit. I noticed that their information has been removed from my credit. I finally received a notice from them in the mail but when I call to set up payment arrangements or pay off, I can't. One agent said that I will have to call back. When I did call back the agent said that they couldn't access my account. I tried the chat and the agent said they couldn't access my account. I tried setting up a new account... all to no avail.

Company Response:

State: FL

Zip: 32817

Submitted Via: Web

Date Sent: 2023-12-20

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8022877

Date Received: 2023-12-19

Issue: Problem with a purchase shown on your statement

Subissue: Card was charged for something you did not purchase with the card

Consumer Complaint: IT WAS STOLEN, FRAUDULENT COLLECTION MIDLAND CREDIT MANAGEMENT, FRAUD ACCOUNT XXXX

Company Response:

State: NY

Zip: 11369

Submitted Via: Web

Date Sent: 2023-12-19

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8021382

Date Received: 2023-12-18

Issue: Took or threatened to take negative or legal action

Subissue: Threatened or suggested your credit would be damaged

Consumer Complaint: I was a victim of identity theft, and somehow they are leaving the debt on me. My daughters social security was also stolen, and some one also opened a credit card under her name. XXXX XXXX. The individual who opened the account ( s ) must have stolen my identity or got my information via dark web.

Company Response:

State: IL

Zip: 60803

Submitted Via: Web

Date Sent: 2023-12-18

Company Response to Consumer: Closed with non-monetary relief

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.