ENCORE CAPITAL GROUP INC.


If you believe a complaint deserves more attention hit the up arrow, or hit the down arrow if you find it less important.
"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

Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.
Complaint ID: 7354516

Date Received: 2023-08-04

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: Midland Credit Management is attempting to collect a debt from me. The debt is not mine. Per a previous debt claim from MCM, I was told by an MCM supervisor, on XX/XX/23, that I would not be contacted again by MCM. On XX/XX/23, I recieved more debt claims from MCM. MCM has already established that the debt does not belong to me, my address, or my phone number. However, they continue to make claims.

Company Response:

State: NC

Zip: 27513

Submitted Via: Web

Date Sent: 2023-08-04

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7354445

Date Received: 2023-08-04

Issue: False statements or representation

Subissue: Attempted to collect wrong amount

Consumer Complaint: Amount owed is false amount and Midland Credit Management has no copy of original contract or witness to me signing such. My information was obtained without my consent and is in violation of my privacy according to 15 USC 1681 Section 602, 15 UUSC 1681 Section 604 A Section 2, also 15 USC 1666B.

Company Response:

State: FL

Zip: 32725

Submitted Via: Web

Date Sent: 2023-08-04

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7353659

Date Received: 2023-08-04

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: I will not provide my full social in regards to my consumer rights You have violated the right fair credit act section 15 U.S.C. 1681e ] as well as 606 section ( b ) & ( c ) ( d ) 1 I ask that you remove This account under the guidelines of metro 2 format compliance this account is inaccurate under fair Credit section 623 ( 1A ) ( B ) ( i ) ( ii ) 3 as well as 609 ( A ) 1 Sec 611-2A1 ( 2B There is full credit report that supports my statement of this illegal matter on page 20 thats clearly has this account listed under my social

Company Response:

State: IL

Zip: 60620

Submitted Via: Web

Date Sent: 2023-08-04

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7353398

Date Received: 2023-08-04

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: I keep getting these updates from collection agencies that I do not owe at all this is under the law 15 usc 1681 XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$920.00} XXXX XXXX XXXX {$860.00} XX/XX/XXXX XXXX XXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX All these are reporting opened accounts but they are closed and its tarnishing my character and Im trying to purchase a home and cant do so because they are reporting false information about me

Company Response:

State: MD

Zip: 21225

Submitted Via: Web

Date Sent: 2023-08-04

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7352151

Date Received: 2023-08-04

Issue: Incorrect information on your report

Subissue: Personal information incorrect

Consumer Complaint: XXXX XXXX XXXX HARD INQUIRIES MY CORRECT ADDRESS IS XXXX XXXX XXXX XXXX XXXX VA XXXX ALL OTHER ADDRESSES SHOULD BE DELETED

Company Response:

State: VA

Zip: 23452

Submitted Via: Web

Date Sent: 2023-08-04

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7349076

Date Received: 2023-08-03

Issue: Written notification about debt

Subissue: Didn't receive notice of right to dispute

Consumer Complaint: XX/XX/2023 at XXXXXXXX XXXX Central time. Called me at work, continued to aggressively harras me after I requested a call back at a later time to verify debt. Refused to give an amount allegedly owed. Threatened to have my pay garnished.

Company Response:

State: AL

Zip: 36575

Submitted Via: Web

Date Sent: 2023-08-17

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7348774

Date Received: 2023-08-03

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: I havent provided evidence in accordance with the doctrine, so you XXXX assume, under the doctrine of estoppel by silence, that there is no proof of the purported debt and, as a result, no such liability, if the debt collector has not provided the requested proof of the alleged debt within 30 days. In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

Company Response:

State: FL

Zip: 32311

Submitted Via: Web

Date Sent: 2023-08-03

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7348599

Date Received: 2023-08-03

Issue: Attempts to collect debt not owed

Subissue: Debt was paid

Consumer Complaint: Compliant XXXX was submitted on XXXX XXXX and a prepaid credit card debt that they " alleged '' is owed. XXXX XXXX XXXX, as well as XXXX XXXX, are both reporting this " alleged '' debt on all XXXX credit bureau profiles. XXXX is indicating that I owe them {$740.00} and XXXX XXXX is reporting {$610.00} in interest and fees for a prepaid credit card that my security deposit was never received back at the time of requesting account closure. XXXX continues to send mail correspondences and contact me several times a day for this debt despite me informing them the debt isn't actual and requesting documentation from them.

Company Response:

State: TX

Zip: XXXXX

Submitted Via: Web

Date Sent: 2023-08-03

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7348117

Date Received: 2023-08-03

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: I have two accounts being collected by Midland Credit Management for XXXX XXXX accounts that were not my accounts prior to being sold to Midland. I notified XXXX XXXX of this prior to the debt being charged off and they confirmed the debt was written off as identity theft, NOT as a balance owed under my name. I have spoken to countless individuals at Midland, XXXX XXXX, and disputed via my credit bureaus in an attempt to get this information corrected, but more than two years later, the accounts still show on my credit report under the collections section. I'm first referred to XXXX XXXX to have the balance corrected, yet XXXX XXXX then refers me back to Midland since the debt is no longer theirs. Yet no one can seem to point me properly to the right place to get this corrected. I would like to say that everyone at Midland has been pleasant, unlike other debt collection companies I've dealt with ( so thank you for hiring professional people ). Unfortunately, they do not seem to be able to help me resolve the issue at hand.

Company Response:

State: FL

Zip: 33880

Submitted Via: Web

Date Sent: 2023-08-03

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7345967

Date Received: 2023-08-04

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: Subject : Pre-Arbitration Settlement Offer - Collection Account ( Account Number : XXXX ) and Obligation to Honor Arbitration Agreement To Whom It May Concern, I am writing to address the ongoing issue concerning the collection account associated with XXXX XXXX XXXX account number XXXX, which has significantly impacted my credit report. Despite prior attempts to resolve this matter, the situation remains unresolved, causing substantial financial hardship and distress. I have denial letters to prove the financial pain and stress this fraudulent account has put me through. I want to emphasize that with the acquisition of this collection account, Midland Credit Management has assumed all rights and obligations, including those stipulated in the original contract, such as the arbitration agreement. This agreement is legally binding and requires that disputes be settled through arbitration rather than traditional litigation. Given this obligation, I propose a one-time settlement offer to expedite a resolution and avoid further legal complexities and expenses. Midland Credit Management has the opportunity to settle this matter by agreeing to the following terms : Payment of {$5000.00} in full settlement of the collection account. Deletion of the account and all associated information from my credit report. By upholding the arbitration agreement, Midland Credit Management demonstrates its commitment to equitable resolution practices. Please give due consideration to this settlement offer and respond promptly. Accepting this proposal not only upholds your contractual responsibilities but also leads to a more advantageous outcome for both parties involved. I request written confirmation of your acceptance of this settlement offer and the subsequent actions taken to fulfill the terms outlined above. Thank you for your attention to this matter, and I look forward to your timely response. Sincerely, XXXX XXXX

Company Response:

State: VA

Zip: 23236

Submitted Via: Web

Date Sent: 2023-08-04

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.