Review and analysis of over 332 complaints against Encore Capital Group
Encore Capital Group consumers have reported over 332 official complaints related to Taking/threatening an illegal action. Out of the 332 consumer complaints against Encore Capital Group, 23% were disputed by the consumer (i.e. the consumer was not happy with how Encore Capital Group responded to their complaint) and 100% were processed in a timely manner. 0% of consumer complaints against Encore Capital Group resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 21% resulted in non-monetary compensation.
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Encore Capital Group Debt collection taking/threatening an illegal action sued w/o proper notification of suit May 13, 2016 - Midland Funding , LLC has placed a lien on my home. I was informed of this by a mortgage lender with whom I was trying to close on a home refinance HARP loan. I was not aware there was a lien on my home. I understand that this action is illegal. Can you help me by contacting Midland Funding , LLC for me?... |
Encore Capital Group Debt collection taking/threatening an illegal action threatened arrest/jail if do not pay December 16, 2015 - Restricted # called ex-family member and provided same information. Then called me. This was in regards to my adult son, who has not lived with me for 7 years. Left a message on my phone that a case was filed against him in our local court, have an order to locate. Has been instructed to contact my sons employer. They are in the process of locating him at his work or residence right now. Once filed, he forfeits his legal rights. Call -. Case # -. I called this number and told them they were not allowed to reveal that information and were in violation of sections 804 and 805 of the Fair D... |
Encore Capital Group Debt collection taking/threatening an illegal action threatened to sue on too old debt December 16, 2015 - The issue is a - - Illinois judgment pertaining to Case Number - issued sometime in -. Plaintiff being Asset Acceptance , LLC represented by - - -. I am in the process of securing mortgage financing related to the purchase of a condominium situated in - -, California. During the course of the mortgage due diligence process, the mortgage broker informed me that the above-referenced judgment was indicated on my credit report. My research on this matter led me to the conclusion that the debt giving rise to the judgment was originally associated with a credit card ba... |
Encore Capital Group Debt collection taking/threatening an illegal action threatened to sue on too old debt November 29, 2015 - I do n't remember this credit card to be honest I receive a letter from the - saying notice of garnishment. the collection is from -/-/- it 's tooold to be - for and at the same time I got injury on the job I 'm waiting on workers Com. I do n't have any income coming in at the moment. I did n't receive any notice trying to collect before suing me. I was - before my check was being Garnish and I got lay off so I was n't able to continuing paying this in -/-/- the company was getting money from my pay check. ... |
Encore Capital Group Debt collection taking/threatening an illegal action sued w/o proper notification of suit November 20, 2015 - Had a credit card charged off -/-/2014, was sold to a collection agency for $300.00 more than I owed. Midland Financial 's local counsel attempted to contact me via phone and mail at my father 's home, an address that was never associated with the credit card and has not been used in association with my personal or financial information for over a decade. He is in the early stages of dementia, and as a result phone messages get deleted, letters get misplaced, and when the collection company filed a civil suit against me -/-/- he signed for and subsequently misplaced the summons. Disco... |
Encore Capital Group Debt collection taking/threatening an illegal action attempted to/collected exempt funds November 12, 2015 - Collection agency ( Midland Funding LLC ) garnished my wages back in 2010 collected the amount that was owed and now claims that i still owe them the same amount. They are using the law office of -, -, - - - -. They sent me a notice of motion I do not know if it is legit or fake. ... |
Encore Capital Group Debt collection taking/threatening an illegal action threatened to sue on too old debt November 5, 2015 - MIDLAND FUNDING via my account being sold to them by - - has been illegally charging me fees in excess of over $2000.00 for a computer purchased in -/-/2006. The original amount owed : $1200.00, and the amount I have paid into the debt due to their illegal practices : $2900.00. The amount they have sent to the debt collection agency-MidlandFunding $3500.00. I have included copies of the paperwork that shows the double billing - added to my account each month that I paid my bill. They added late fees every month, no matter what date I paid within the month, and added huge... |
Encore Capital Group Debt collection taking/threatening an illegal action threatened to sue on too old debt October 30, 2015 - I am writing you regarding the ADMINISTRATIVE PROCEEDING File No. -Consent order as I am a Restitution Eligible Consumer. I am asking for a full refund of $1200.00 and that all references to this account be deleted from all of my credit reports. I would be very grateful if this could be resolved. Please see that Midland Credit Management is in compliance with the order. I made payments directly to Midland Credit on a time-barred debt collection account that was too old for litigation. I received several letters that contained time-limited settlement offers that failed to disclose that t... |
Encore Capital Group Debt collection taking/threatening an illegal action sued w/o proper notification of suit October 27, 2015 - Midland Funding placed a judgement on my credit report for a credit card debt that had nothing to do with them. I owed - - and apparently they purchased the debt and proceeded to harass me. I have a medical condition with proof and I told this company about this issue. This debt is since -/-/-/-/-/- and they are still harassing me to pay way more than I owe. I never received a summons but when I checked my credit report, there is a judgment placed. I called Midland Funding and asked them about it. they stated that they did not put this on my credit. Can you contact this company... |
Encore Capital Group Debt collection taking/threatening an illegal action sued where didn't live/sign for debt October 21, 2015 - Midland claims they sent a letter of validation on - - 2013, i would like for them to send me a copy of said letter. Also i need to ask how much they purchased this said debt for from - -. ... |
Encore Capital Group Debt collection taking/threatening an illegal action seized/attempted to seize property October 15, 2015 - I was sued for a credit card debit a few months before the statue of limitations expired. I was served with papers and right before court date my husband died -. I was in shock and forgot about court until morning of court. I did not attend .Midland has now garnished - of my bank accounts. I have to respond to what is exempt .I am too poor to pay debt. My husband left us with $5.00. Im on SS. ... |
Encore Capital Group Debt collection taking/threatening an illegal action sued w/o proper notification of suit October 6, 2015 - I have been served to appear in court by Midland Funding LLC with the threat of a judgement. The account was closed in 2012. I am retired and do n't know what to do. The case is scheduled for -/-/- in District Court of Maryland. I had attempted to pay the account to - -, but was told the account was sold. Please advise. ... |
Encore Capital Group Debt collection taking/threatening an illegal action threatened to sue on too old debt October 5, 2015 - This debt collector keep calling my home phone. When my dad or my mom picking up the phone they hung up. They were bothering my parent resting. Also, they keep calling my cellphone in the morning, afternoon, and in the evening past - -. I spoke with them before on the phone, they 're aggressive and had an attitude at me. ... |
Encore Capital Group Debt collection taking/threatening an illegal action sued w/o proper notification of suit October 1, 2015 - I was never properly served for this debt, the only service I received was the fact I was sued and lost and owed the debt through judgement. Fast forward to - 2012 payroll contacted me and advised me I was being garnished. I accepted the garnishment of - % of my salary because I knew I owed the debt and wanted to make it right by allowing them to go ahead with the garnishment. The total debt was - and have been paying - per paycheck since - of 2012, which is 41 months as of today. The total I have paid as of today is - dollars or more. I can not receive a callback from Asset ... |
Encore Capital Group Debt collection taking/threatening an illegal action threatened to sue on too old debt September 30, 2015 - Have letter dated from -/-/2015 from debt that is over 10 years old and has had many CFPB complaints filed on it before, removed from credit reports several years ago, now getting threats to collect. ... |
Encore Capital Group Debt collection taking/threatening an illegal action sued w/o proper notification of suit September 30, 2015 - They just called my husband out of the blue. Saying he owed the debt collection agency -. For a supposed debt made in -, Arkansas in -/-/--/-/-. We do n't even know what it could be at all. We think they scammed us but are not sure. They told us we had to pay half or else we would have to go to court. My husband paid them -. We want our money back if it is a scam. ... |
Encore Capital Group Debt collection taking/threatening an illegal action attempted to/collected exempt funds September 29, 2015 - Company has asked me for sources of income insisting on using student loan money to pay back loans. My understanding is that student loans are under federal jurisdiction and as per stipulations regarding students loans ; Money borrowed can not be used for purposes other than education. I do not believe it is right consciously knowing that it is not allowed that the company is suggesting using these tactics nor are the personnel qualified to make suggestions of that nature. ... |
Encore Capital Group Debt collection taking/threatening an illegal action sued w/o proper notification of suit September 28, 2015 - I was sent a letter by - - - , - that stated that a lawsuit was filed against me as the defendant and Midland as the plantiff. I called Midland and they said that yes they filed a lawsuit but I never received anything in the mail or was served a summons. -, an employee at Midland, stated that it was filed but was not entered yet. I asked for the case number and she stated that it had n't gotten that far but, - - - has a case number. The case number that they said was filed was -. - at Midland stated that the case was sent to the District Court of Maryland - Cou... |
Encore Capital Group Debt collection taking/threatening an illegal action threatened to sue on too old debt September 23, 2015 - I submitted This to - - - - who then forwarded it to - - ( CFPB ) - per Our telephone conversation - I am filing this with CFPB - my entire submitted file was - pages and can submit to you as needed : Under FTC Settlement, Debt Buyer Agrees to Pay - for Alleged Consumer deception - - - - - I was recently sued by asset acceptance in regards to a credit card debt from -/-/- and the statute of limitations was well over - I feel as though this case is part of their FTC settlement for the following : The asterisks mark the what they did to me & my court case : *****misr... |
Encore Capital Group Debt collection taking/threatening an illegal action sued where didn't live/sign for debt September 19, 2015 - Midland Funding LLC has a lawsuit against me and is suing me for a delinquent credit card debt that I did not sign for. They have also been threatening me with harassing phone calls stating I 'm going to jail and have a felony, TOOK about 25 % of my wages ( - out of $1200.00 ) leaving me not enough money to pay my everyday living expenses which could cause me to lose my job. I just recently received the judgement from my job and the paperwork was sent to an invalid address where I no longer reside, so I did n't receive it or have any knowledge of it. I suffer from a - and am presently ... |
Encore Capital Group Debt collection taking/threatening an illegal action sued w/o proper notification of suit September 19, 2015 - On Wednesday, - - of 2015, I was in receipt of a Warrant In Debt '' which was serviced by a - party service provider, - This packet alleges I acquired an account from - - Bank which has been charged off due to non-payments. With review of the document ( s ), the debt has been sold a total of - times ( i.e. - ; -, - ; -, - ; Midland Funding ). Due to the recent sale, the new owner, Midland Funding placed the account / file with an attorney firm which they 've prepared the file to seek judgment against me within the state of Virginia ( Docket Number : - ; ... |
Encore Capital Group Debt collection taking/threatening an illegal action threatened to sue on too old debt September 18, 2015 - Midland Credit Management filed suit in - County, California 30 days after the 4 year statute of limitations expired on a debt. The only way I have been informed of a lawsuit was via a law firm sending a sales letter to my address. The debt was 30 days overdue ads of -/-/-, suit was filed -/-/- ... |
Encore Capital Group Debt collection taking/threatening an illegal action sued w/o proper notification of suit September 12, 2015 - I had a debt from the 1990 's ( a vehicle ) and I received notice from the treasury department that my income taxes were being intercepted for this debt by a lawyer for Asset Acceptance Corporation. I have learned that this supposively went to - district court in - MI and it is on my public record as a lien. The statute of limitations is surely expired and now I am having a hard time getting credit. I need assistance on what I should do. This same lawyer has also went after a friend of mine who owns his own company and threatened legal action against him because I briefly worked with him... |
Encore Capital Group Debt collection taking/threatening an illegal action threatened to sue on too old debt September 10, 2015 - I 've been receiving constantly calls from a Collection Company threatening me to sue me on court. Also, they have told my mother all the information about this situation. This account is more than 9 years old. ... |
Encore Capital Group Debt collection taking/threatening an illegal action threatened to sue on too old debt July 13, 2015 - Midland Credit Management contacted me about a - years old debt that was charged off my Credit History - years ago, It was affecting my Credit Bureaus for - years now this Agency sent my old debt to another new Debt Collection Agency named - - -, this last one is threatening me with another - years od bad luck.Please help me.The original collection started in - with a - - - Credit Card. ... |
Encore Capital Group Debt collection taking/threatening an illegal action sued w/o proper notification of suit July 11, 2015 - Asset acceptance llc in - Mi received a judgement against me for a debt from the - district court. I was not notified and if the debt is indeed mine it is very, very old ... at least 10 years. It 's for $18000.00 and my state tax was garnished. They must have misrepresented the debt to receive the judgement. They have a history of engaging in deceptive practices to collect time barred debt. ... |
Encore Capital Group Debt collection taking/threatening an illegal action sued where didn't live/sign for debt July 9, 2015 - I 'm attempting to apply for a job that requires a credit check. I receive information that not only am I being sued but the court date is next week - -, 2015. Apparently the lawsuit was sent to an address that I have n't lived in for years. I never received a call or an email from the company about any pending litigation. I guess if the person living at that address not found me to give the information, the court date would have came and went without me even knowing about it. ... |
Encore Capital Group Debt collection taking/threatening an illegal action attempted to/collected exempt funds July 5, 2015 - This company came after my husband many years ago about this dept. He tried to settle with the help of a lawyer. They would not settle. many years later they came after me. I had no knowledge of what had happened. My husband told me to ignore this company he was dealing with them. The next thing I know they are calling me to court, I went to the courts and explained that this was not my dept and it was my husbands, the judge allowed $300.00 a pay garnishment from my pay, $600.00 a month. I told them I have my mom living with me and kids, I would lose my car and my job without a car. I had ... |
Encore Capital Group Debt collection taking/threatening an illegal action threatened to sue on too old debt July 4, 2015 - The collection company by the name of MCM '' or Midland Credit Management , Inc. '' has been threatening to sue me for debt that is way past my states statute of limitations. I wrote them a letter to stop harassing me or I would take further action. They ignored me and sent me another letter. I am now contacting the CFPB for their assistance to help me get these leeches away from me. ... |
Encore Capital Group Debt collection taking/threatening an illegal action threatened to sue on too old debt July 2, 2015 - This collection company by the name of Asset Acceptance LLC '' has been using scare tactics '' by threatening to sue me when my debt is way past my states Statute of Limitations. I wrote them a letter stating to them that what they are doing is illegal and that I am willing to take action against them with my legal team. Instead, they sent another letter. ... |
Encore Capital Group Debt collection taking/threatening an illegal action sued w/o proper notification of suit July 1, 2015 - I received a letter at my residence in -, - via my employer ( - - ) that I would have my wages garnished for a debt. I reached out to my employer for more information however they were short with me. I made several attempts to the court however they were no help. I would have physically went to the courthouse however I live in - and the court house was in - -, -. I was never notified by the debt collector ( Asset Acceptance ) or court formally at my residence in -. To make matters worse they took me to court in a state that I do not reside. The debt was paid in full ... |
Encore Capital Group Debt collection taking/threatening an illegal action sued w/o proper notification of suit June 30, 2015 - It is a known fact that Asset Acceptance dba Midland Credit Management employees robo-signed affidavits claiming personal knowledge that consumers owed debts, despite having no such knowledge of the facts asserted. Court documents have shown Asset Acceptance dba Midland Credit Management employees signed between - and - computer-generated affidavits per day for use in debt-collection actions, without personal knowledge of the accounts, in violation of the FDCPA. To date, Asset Acceptance dba Midland Credit Management has a proven poor track record in regards to its collection tactics whi... |
Encore Capital Group Debt collection taking/threatening an illegal action sued where didn't live/sign for debt June 1, 2015 - In -/-/- I received a notice that I owed a debt on a utility bill. It was not in my name, but a botched version of my name, so I ignored it. I called the utility company and they said they had no record of it. In -/-/-, I received notice on my credit report that this same company. Assett Acceptance of Michigan filed for a wage garnishment in -/-/- and won it. They took my State income tax refund in -/-/-. Still never giving me proof of this debt or showing me an original bill. They are a scavenger debt collector. They are using variations of my name. - is my maiden name ... |
Encore Capital Group Debt collection taking/threatening an illegal action threatened to sue on too old debt June 1, 2015 - I am being sued in a local district justice court by Midland funding on credit card debt that is way past the statute of limitations to collect and they are in violation of the Fair Debt Collection Practices Act. They have already filed a lawsuit against me. There are - different credit card accounts they are suing me for. - had NO payments made on it at all since -. Therefore this debt is over - years old and is not enforceable to collect in the state of Pennsylvania. The - credit card has not been payed on since - which makes this over - years old and again in violation ... |
Encore Capital Group Debt collection taking/threatening an illegal action threatened to sue on too old debt May 29, 2015 - They called my number looking for - - I told them that this was not her number and to not call back again. They were looking for her for a 3 year old debt for -. They will take send it to collections and come after me and they will call back again. ... |
Encore Capital Group Debt collection taking/threatening an illegal action seized/attempted to seize property May 22, 2015 - The creditor, Midland Credit Management - Inc., formerly Asset Acceptance , LLC, garnished my bank account on -/-/- and took $700.00. I filed a claim for an exemption in the case under Florida law. The money that was garnished was being held by Midland Credit Management - Inc. while the claim for exemption was pending. On -/-/- at the hearing for the claim for exemption, we reached a settlement agreement that I would pay $100.00 per month. The money that was garnished was to be returned to me. The money that was garnished was never returned to me, and I was never given cred... |
Encore Capital Group Debt collection taking/threatening an illegal action threatened to sue on too old debt May 20, 2015 - First of all, Asset Acceptance , LLC is trying to make me pay an account that I do n't remember. Their collector told me this debt started in -/-/- with another company. This date makes the debt beyond Florida statute and the seven-year credit history. The collector also said her company had this account since -/-/-. From -/-/--/-/-, no one has shown me the contract but this company had time to call my family asking about me after I mail a letter asking them not to call. They also refuse to show me the contract. The collector wants to tell me what on the contract in her wo... |
Encore Capital Group Debt collection taking/threatening an illegal action threatened to sue on too old debt May 18, 2015 - Midland is trying to collect on a debt that has passed the statue of limitations. The - bill they are trying to collect is over 7-8 years ago. Statue of limitations on reporting has exceeded and they continue to roll the account to continue reporting and subsequently damaging my credit. ... |
Encore Capital Group Debt collection taking/threatening an illegal action attempted to/collected exempt funds May 11, 2015 - There is a previous complaint about this company from me. I am writing because my parent 's savings account was levied by - - -. The bank got their notice on - -, mine was n't mailed until - -. I received the paperwork on - -, and the money was already removed before I had the chance to file an exemption. I also filed an exemption with this company on - -, 2015. The savings account that was levied only has my name on it in case something should happen to my parents. We are clearing that end up at the bank, but the fact remains that I was NOT allowed proper time... |
Encore Capital Group Debt collection taking/threatening an illegal action sued w/o proper notification of suit May 2, 2015 - I have disputed this bogus account with the credit agencies in -/-/-. At that time Midland confirmed the amounts were correct. In -/-/-, I received a letter from attorney - - that apparently was retained by Midland, demanding payment for this bogus debt. I replied to this notice requesting further clarification. - - replied indicated that he filed a lawsuit against me - apparently because I asked for further clarification. State of Hawaii - court records indicate that Midland filed suit number - on -/-/-. As well, Midland has made NO ATTEMPT to serve me with wi... |
Encore Capital Group Debt collection taking/threatening an illegal action threatened to sue on too old debt April 29, 2015 - According to my credit report, there is a collection item showing that does n't make any sense. Not only does it have my - delinquency in - but it also has my account being opened in -. On top of that, the last time I was delinquent on any account was in -. The name of the company showing the collection is Asset Acceptance Corporation. I have requested them to validate the debt to no avail. I am sure they purchased and ancient collection item and put it on my credit report as if it were still within the -. As I have stated, I have not been delinquent on any account since - an... |
Encore Capital Group Debt collection taking/threatening an illegal action threatened to sue on too old debt April 20, 2015 - I am recieving threatening documents from midland funding to garnish my pay checks for a debt that is over 10 years old. ... |
Encore Capital Group Debt collection taking/threatening an illegal action threatened to sue on too old debt April 19, 2015 - calling my husband harassing him telling him they will sue for money not owed to them, consistently pursuing my husband to give them information about anothers information he does not have. ... |
Encore Capital Group Debt collection taking/threatening an illegal action threatened arrest/jail if do not pay April 16, 2015 - This - i receieved - phone calls from seperate numbers [ ( - ) -, ( - ) - ) ] and seperate people claiming to represent a company called Legal Recovery Solutions. They had previously called my mother and sister before getting in contact with meThey opened the conversaation by asking me to confirm my identity and went as far as telling me the last - didgts on my SSN #. ( which they also provided to my family in a voicemail when they previously called ) they then starting talking about a debt i owe from years ago to - - ' - '', which is a legitimate debt. At this p... |
Encore Capital Group Debt collection taking/threatening an illegal action sued w/o proper notification of suit April 11, 2015 - I worked out a payment arrangement with -, - - -, -. They debit my account monthly in order to settle this debt for a credit card that I owe. They are taking me to court to garnish my wages even though they are still debating my account montly with a recent transaction happen on -/-/-. I looked back through my bank statement to make sure the drafts were coming out. THEY did n't draft it out in -/-/- however they did -, - and -. In fact my drafts begin in -/-/-. I have paid them payments totaling around $1800.00. I do n't feel that missing - payment t... |
Encore Capital Group Debt collection taking/threatening an illegal action seized/attempted to seize property April 8, 2015 - On -/-/-/2015 MCM willfully withdrew $100.00 dollars from my husband 's joint account, when I had called two days prior and told them I had no income, I was - and had lost my job, the rep assured me that they were not going to take any money, and they did. This account receives direct deposit from social security retirement, this is all the money we had to survive on for a whole month. My husband does not owe MCM any monies, nor did he incurred this debt, I did, when we were divorced. I had given them permission to withdraw money while I was working, because they threatened to su... |