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: 4103331

Date Received: 2021-01-29

Issue: Threatened to contact someone or share information improperly

Subissue: Talked to a third-party about your debt

Consumer Complaint: Spoke with the Midland credit agency about the collection in regards to my account XXXX XXXX Social Security number is XXXX the actions claim by this agency or fraudulent and behavior spoke to multiple representatives who claim that the incorrect information is on the account and collection is due for a third-party vendor for a medical agency and try to resolve this information and resolve this issue via the credit bureaus also called directly to associate and attorney with the case Midland credit XXXXid refuse as well I need to contact the attorney generals office for a conditional removal immediately from the credit report and all agency.

Company Response:

State: IN

Zip: 46060

Submitted Via: Web

Date Sent: 2021-01-29

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4102250

Date Received: 2021-01-29

Issue: Written notification about debt

Subissue: Didn't receive enough information to verify debt

Consumer Complaint: Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company Response:

State: MA

Zip: 02745

Submitted Via: Web

Date Sent: 2021-01-29

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4102065

Date Received: 2021-01-29

Issue: Took or threatened to take negative or legal action

Subissue: Threatened to sue you for very old debt

Consumer Complaint: When I was a XXXX XXXX year old, I opened a XXXX XXXX XXXX credit card mid to late 2015 ( oldest recovered statement XX/XX/15 ) : my first ever credit card and I failed like most young adults. I initially made reasonable charges and paid my debt on time, working at XXXX as an Associate Stylist. But after taking on more liabilities than I could handle, I leaned on my credit card irresponsibly. Sadly I ended up losing my job, my debt compounded interest & fees and I was stuck owing {$2900.00}. Honestly, this amount of debt overwhelmed me, I wasn't able to pay my debt with {$0.00} income, and I didn't know what to do. So out of pure adolescent ignorance, I became paralyzed with fear and I let it sit ; as my debt was then overtaken by Midland Funding. One day their representation pulled up in a SUV in front of my house and served me a subpoena to appear in court. If their intention was to frighten me, it worked! So I showed up to court as asked, we discussed and afterwards I waited to hear back. Soon after, I moved to a new place of residence and lost track of the status of the case. I don't remember receiving further updates. Overall, I wasn't equipped to deal with this circumstance properly and I ended up in deep trouble. However, I do understand that I am still held accountable for my negligence. So CFPB, I appreciate the opportunity to reconcile my professional relationship with Midland Funding and XXXX because I will prove trust worthy with lenders by borrowing responsibly and paying back promptly moving forward.

Company Response:

State: MD

Zip: 20774

Submitted Via: Web

Date Sent: 2021-01-29

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4100908

Date Received: 2021-01-28

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: I sent a letter in XXXX and XXXX of XXXX asking the collection agency to verify my debts. They never responded to me. I get letters now at the end of XXXX from a law group asking me to pay a debt that is not mine.

Company Response:

State: WA

Zip: 98391

Submitted Via: Web

Date Sent: 2021-01-28

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4100303

Date Received: 2021-01-28

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: They will not accept that its not my debt and they are now harassing me on my job, place of employment. I wish for them to stop harassing me at my place of employment Midland Company. They are very rude.

Company Response:

State: TX

Zip: 75224

Submitted Via: Web

Date Sent: 2021-01-28

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4098683

Date Received: 2021-01-28

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: The company by the name Midland funding is trying to make me pay a death from over 7 years that dont be long to me

Company Response:

State: NY

Zip: 11434

Submitted Via: Web

Date Sent: 2021-01-28

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4098317

Date Received: 2021-01-27

Issue: Written notification about debt

Subissue: Didn't receive enough information to verify debt

Consumer Complaint: I started receiving phone calls from someone last summer claiming that I owe a debt for a XXXX purchase of {$1700.00} for a account that I never even applied for. I told them that I do not have a XXXX account and this must be fraud. They asked me if I disputed the charge? I said I was disputing it because I never applied for this credit. A few months later i received a notice from a Midland Credit Management company. I Called them and asked when this account was opened and what did I purchase and from who? They told me It was opened XX/XX/2019 but they have no details about what it was for just that they were attempting to collect a debt. Last XXXX I received another collection letter saying that the debt has been investigated and I am responsible for it. I did not apply for this account I never received any bills or any kind of notification from a XXXX account. But they claim I opened it and made the charge the same day. I did not have any idea that this account was opened no statements emails or anything till they started calling and told me I was delinquent on paying XXXX XXXX, XXXX XXXX

Company Response:

State: OH

Zip: 446XX

Submitted Via: Web

Date Sent: 2021-01-27

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4098081

Date Received: 2021-01-27

Issue: Threatened to contact someone or share information improperly

Subissue: Talked to a third-party about your debt

Consumer Complaint: Midland Credit Management contacted my home phone number. I did not answer nor was I home. My mother answered the phone and the collector assumed that it was me that answered, addressed my mother by my name, and proceeded to tell my mother about the debt and that there is a potential lawsuit. There was an apparent aggressive tone and my mother stated that she had to talk over the person to tell her that she was not me. The collector never asked for any SPII to confirm that she was speaking to the correct person. My mother did not share any other details of the conversation other than the collector asking for additional contact information for me or husband ( which I do not have ). The call was received on XX/XX/2021 at approximately XXXX EST.

Company Response:

State: GA

Zip: 30044

Submitted Via: Web

Date Sent: 2021-01-27

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4097966

Date Received: 2021-01-27

Issue: Written notification about debt

Subissue: Didn't receive notice of right to dispute

Consumer Complaint: Credit Card Debt FRAUD from XXXX XXXX purchased by Asset Acceptance LLC c/o Midland Credit Management , Inc. ( Judgement or Decree ) I am trying to refinance current home. Title agency pulled my social security number and said it NEEDS to be resolved in order to complete the refinance. They are Trying to collect a debt from myself that does NOT belong to me. FRAUD alert. Case # XXXX Amount of {$3200.00} They are requesting payment in full. Address is INCORRECT. Never lived at referenced address. Date of Birth INCORRECT. XXXX XXXX XXXX XXXX dated XX/XX/2019

Company Response:

State: AZ

Zip: 85234

Submitted Via: Web

Date Sent: 2021-01-27

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4095990

Date Received: 2021-01-27

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: Midland Credit Management Inc ( MCM ) XXXX I received a letter from Midland with an attempt to settle a debt in the end of XX/XX/XXXX in which I immediately sent a validation of this debt to on XX/XX/XXXX. Certified receipt of the item was XX/XX/XXXX which is attached. Clearly stated what I wanted the Collection agency to verify. There was no response so I sent another letter stating there was no response on XX/XX/XXXX and that they failed to validate within 30 days of my letter sent. Mid to late XXXX I got a letter from Midland to let them know what I am disputing which was clearly made in the 2 first letters sent and they have ignored my request. XX/XX/XXXX I have sent an estoppel for clearly ignoring my requested information which they still have not provided.

Company Response:

State: FL

Zip: 33032

Submitted Via: Web

Date Sent: 2021-01-27

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.