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: 7929249

Date Received: 2023-11-30

Issue: Communication tactics

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

Consumer Complaint: Repeated from calls from MRS , Midland Recovery Services. Ive told them to stop calling and mailed a cease and desist letter. Still receiving numerous calls per day from various phone numbers and people.

Company Response:

State: TX

Zip: 75205

Submitted Via: Web

Date Sent: 2023-11-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7928918

Date Received: 2023-11-30

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: I have been disputing several accounts with XXXX here are two accounts I have been disputing from Midland Credit Management who has failed to provide debt validation or any information at all but continues to harass me with phone calls and threatening letters. The disputes from XXXX seem to be very quick only taking about 7 days when XXXX states in their website that dispute take around 30 to 45 days which leads me to believe XXXX is not actually investigating disputes this is an ongoing pattern with XXXX. Dispute Report Number XXXX.

Company Response:

State: CA

Zip: 90022

Submitted Via: Web

Date Sent: 2023-11-30

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7925885

Date Received: 2023-11-30

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: MIDLAND CREDIT you are furnishing inaccurate information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Duty : A moral or legal obligation ; a responsibility Accurate : correct in all details ; exact Prohibition : A law or regulation forbidding something As defined by the IRS : Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge-off as Gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By definition, the IRS clearly says a canceled debt or charge-off is income. The reporting of this account as a debt is inaccurate. 15 USC 1681 S-2 says YOU ; MIDLAND CREDIT , are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information. Cease and desist the reporting of incorrect/inaccurate information immediately. 15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( A ) ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. You are hereby put on notice that you are furnishing incorrect/inaccurate information. The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in Chapter 1. The above paragraph is taken directly from the IRS 2021 publication. Send me my FORM 1099-C which you should have sent to me when you filed this account as a canceled debt. XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( B ) ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In Conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is a clear violation of Law 15 U.S. Code 1681 S-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to cure and DELETE this erroneous, inaccurate account from my consumer report You have 10 calendar days to delete this account from my consumer reports! MIDLANDCRE ACCT XXXX XXXX

Company Response:

State: MD

Zip: 20782

Submitted Via: Web

Date Sent: 2023-11-30

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7925076

Date Received: 2023-11-29

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: I am unaware of XXXX XXXX XXXX much less the collection agency Midland Credit Management Inc., this is not mine and will work the credit agencies to remove. I would like to see what it's for and a purchase agreement.

Company Response:

State: CO

Zip: 80249

Submitted Via: Web

Date Sent: 2023-11-29

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7924824

Date Received: 2023-11-29

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: stating {$1000.00} balance is on my credit report after they have charged it off.

Company Response:

State: TN

Zip: 370XX

Submitted Via: Web

Date Sent: 2023-11-29

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7924555

Date Received: 2023-11-29

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: I did not consent, nor benefit from, or authorize any of the following account : Midland Credit Management - Account XXXX XXXXXXXX - {$780.00}

Company Response:

State: NY

Zip: 11003

Submitted Via: Web

Date Sent: 2023-12-05

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7924336

Date Received: 2023-11-28

Issue: Communication tactics

Subissue: Frequent or repeated calls

Consumer Complaint: I receive calls daily most weeke and most days other weeks from " MCM '' to my cell phone. They have also contacted relatives of mine out of state fishing for information. I have expressed that I do not want them calling my phone or relatives but it continues. The near daily calls never leave messages.

Company Response:

State: WV

Zip: 25801

Submitted Via: Web

Date Sent: 2023-11-28

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7922989

Date Received: 2023-11-29

Issue: Took or threatened to take negative or legal action

Subissue: Threatened or suggested your credit would be damaged

Consumer Complaint: They are damaging me on credit reports and I don't even know who they are. They say they bought the debt on the report so it's so old it shouldn't be on my report. I've gotten XXXX XXXX for XXXX and people like this keep damaging the credit I'm working to repair to quit being homeless and couch surfing

Company Response:

State: AR

Zip: 725XX

Submitted Via: Web

Date Sent: 2023-11-29

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7920407

Date Received: 2023-11-28

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: I submitted a complaint regarding an account that is listed on my credit report. While I was incarcerated, an account was opened in my name. I provided XXXX XXXX with documentation showing that I was incarcerated from XX/XX/XXXX to XX/XX/XXXX. The XXXX Credit Card was opened in XX/XX/XXXX, seven months after I was incarcerated. However, the uploaded response states that " no information has been supplied to support the claim. '' I do not feel as if this company reviewed the proof of incarceration that was provided ; therefore, I am reuploading the supporting documentation for a PROPER investigation.

Company Response:

State: GA

Zip: 30263

Submitted Via: Web

Date Sent: 2023-11-28

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7919677

Date Received: 2023-11-29

Issue: Took or threatened to take negative or legal action

Subissue: Threatened or suggested your credit would be damaged

Consumer Complaint: Ok, I will cover my complaint one last time. Reg E requires pre authorization for ACH payments yes. However, your representatives told me I could not set up a payment arrangement WITHOUT setting up a RECURRING Pre Authorized ACH. Herein lies the problem as your representatives and your business practices are as such that consumers are required to void their rights in order to make payments under a payment arrangement on any debt your company has purchased. This behavior is a clear violation of Reg E and a business practice issue for your company to require representatives to FORCE by threatening litigation/REQUIRE consumers to set up a Recurring Pre Authorized ACH. As far as the other stuff in your complaint validation of debt and/or your right to pursue litigation was never a question. You are only attempting to deflect from the problem. The problem is your business practices that violate a consumers rights. Further your violation of Reg E, as you do not have the right to force via the use of litigation a consumer to grant you recurring pre authorization of payments. I recommend you correct this before someone else does.

Company Response:

State: NC

Zip: 281XX

Submitted Via: Web

Date Sent: 2023-11-29

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.