Encore Capital Group Debt Collection Complaint

Encore Capital Group Debt collection department,

Credit card Disclosure verification of debt Right to dispute notice not received Ohio

I never received notification from Midland Funding llc that my savings account was going to be garnished. I was notified by my credit union with a copy of the affidavit by mail. I received the information from my credit union 2 days after $450.00 was taken from my account. Upon calling Midland Funding I learned that they did n't even have my correct address. I was told they are a debt collector collecting a past debt for a - Bank credit card I supposedly had between - - -. They gave me no additional information and told me to contact their law firm -, - - -. I spoke with a representative at the law firm on -/-/- and got very little information. I asked for proof to verify that I actually had a credit card with - Bank but was told they were unable to provide the original credit card agreement. I asked for proof that I indeed own this debt and was told they can only mail me their court filing regarding this matter. I also have to question why I am being attacked '' for something that supposedly happened over 6 years ago. From what I understand the statute of limitation in the state of Ohio is 6 years. Midland Funding garnished my savings for a matter they claim took place between - to -. I also find it curious that my savings account shows - transactions by Midland Funding on -/-/- finally resulting in half of my joint savings account being depleted. I do not understand how $570.00 was initially taken then $570.00 was deposited back followed by $560.00 taken out and $560.00 redeposited. The final transaction was $450.00 taken from the account by Midland Funding. All - transactions took place on the same day. Why? Is this an attempt to make my account look like it had automatic deposit/wages added which would make garnishing look more legit?