Encore Capital Group Debt Collection Complaint

Encore Capital Group Debt collection department,

Credit card Taking/threatening an illegal action Threatened to sue on too old debt Kansas

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 the debt Midland Credit was collecting was too old for litigation. The letters contained statements creating a sense urgency. Some of the letters were from - - LAW FIRM and statements were made that threatened legal action.


with an attorney ; and I was not informed during the call that the Debt had not been reviewed by an attorney. I was told that if I did n't make payments Midland would move forward with the litigation process unless and that the only way to stop the lawsuit would be to pay right away. From -/-/- through -/-/-, I repeatedly disputed the validity of the account that Midland Credit was trying to collect on. I sent validation and verification dispute letters to Midland Credit and I also disputed information on my credit reports, including -, - and - and in each response Midland Credit replied that information that was accurate, complete and reliable. From -/-/- through -/-/-, I repeatedly advised Midland Credit that significant inaccuracies existed on my credit reports and the collection documents Midland Credit sent me and the phone calls I received. In each instance, Midland Credit responded to Credit reporting agencies that information reported was " verified ''. When I disputed the accuracy, Midland required me to produce a notarized affidavit swearing that the Consumer is a victim of identity theft, a police report, or a letter from the credit issuer determining that there was a fraud on the account. As soon as I disputed the validity they sent it to a law firm and I had to restart the dispute process all over again. I was also told that my disputes were untimely. From -/-/- through -/-/-, Midland Credit Management repeatedly called my cell phone. When I answered the calls and tried to communicate and resolve and dispute the alleged debt, Midland Credit told me that calls placed to my cell phone could only be prevented before - and that I should authorize Midland Credit Management to call in the future. Since -/-/- I have filed several complaints with the FTC, I have not received any responses. I am so happy that your agency stepped in and took action. Finally, and most importantly I am asking that full refund of $1200.00 be issued and that Midland Credit follow the terms of the order. Respectfully, - - ( - ) -