Encore Capital Group Credit Card Complaint

Encore Capital Group Credit card department,

Payoff process Nevada

This is a case of a collector refusing to accept payment from the debtor. My credit rating was destroyed because of an error committed by the merchant and now I have been given the run-around by the credit collectors which REFUSED to accept my offer of payment. Sometime in - -, Discount Tires offered a $150.00 rebate if I buy - tires and pay ( $370.00 ) thru a credit card ( - - ) which I had to then and there apply for. I filled up the forms the credit card and submitted it to - - who finalized the online application process with - -. Later I got the rebate. I was told to wait for the credit card and billing so I can pay but I NEVER RECEIVED THE CREDIT CARD or ANY BILLING and so I failed to pay. In -/-/- I was informed by our loan officer that when he checked our credit rating he discovered I had an unpaid account from a purchase with - -. On -/-/- I went to - - to inquire who connected me to -. I was informed by - of the unpaid purchase and when I told them


any effort to locate my apartment number. I asked - why they did not attempt to call me when my phone number was with Discount Tires but was told they can not call. When I said I wanted to pay, - told me they sold my account to Midland Credit on -/-/- and no longer has anything to do with it. On the same day, I called up Midland Credit ( - by - and later - from website ) to arrange payment and a call center based in - responded. I was told that I can not pay because they could not locate my account and to wait for the uploading of my account to their system which can take within 15 to 30 days. I was asked to call again -/-/-. I called -/-/- then -/-/- but was refused because my account was not yet uploaded in their system. IN THE MEANTIME, I CONTINUE TO SUFFER A DETERIORATING CREDIT RATING/HSTORY BECAUSE OF THE CONTINUING REFUSAL OF SYNCHRONY AND MIDLAND CREDIT TO ACCEPT MY PAYMENT. Finally on -/-/-, I was informed by the - call center ( WILL THIS NOT VIOLATE CONFIDENTIALITY AND CAUSE IDENTITY THEFT BECAUSE OUTSOURCED TO A 3RD PARTY LOCATED OUTSIDE THE US ) that my account has been uploaded in their system on -/-/- but that I was referred to the - branch of Midland ( - ) to process my payment. But when I called the - branch I was informed that they can not take my payment because they need to arrange my payment because I am from a different state ( which I can not understand why ) and I was asked to call back on -/-/-. I called on -/-/- but I was informed that they still need to arrange my payment and on -/-/- but nobody answered my call. On -/-/-, - - told me that my account was transferred to - - which I immediately called - - ) and was told to call again on - - because they still need to upload my account. FOR THE MEANTIME, MY CREDIT RATING /HISTORY SUFFERS BECAUSE IT WOULD APPEAR THAT DESPITE NOTICE I AM NOT DOING ANYTHING TO PASS A MISTAKE CAUSED BY THE MERCHANT. The continuing delay and refusal of -, Midland Credit and now - - is unjustified ( unlawfully charge interest and earn more? ) especially considering the offer to pay and damage caused to me, knowing fully well that in the - credit rating is very important. As mentioned, I am the one chasing the collectors who are running away seemingly afraid to accept my payment. Why? I should be issued a letter of deletion upon payment and my credit cleared with the credit bureaus.