Review and analysis of over 1,487 complaints against Encore Capital Group
Encore Capital Group consumers have reported over 1,487 official complaints related to Debt is not mine. Out of the 1,487 consumer complaints against Encore Capital Group, 19% 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 30% resulted in non-monetary compensation.
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Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine May 17, 2016 - Midland Credit Management keeps sending me a bill, even after I requested a validation from them. They have n't validated the debt, just sent me a computer printout from their own records, not from the original creditor.... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine May 15, 2016 - After receiving letters from Midland Funding I decided to pull my credit report to realize that Midland Funding was and still is reporting inaccurate information to the credit bureaus. I 've been sending letters for the last - tears trying to resolve this issue. I 've requested any documentation that they have on these alleged accounts ( statements, checks, payments ... ) All they could do is to provide me with the information of the original creditor. I 've contacted the alleged original creditor and they are not longer reporting these accounts on my credit report after my claim. They purg... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine May 12, 2016 - Midland Funding , LLC continues to contact me either by phone or by mail regarding a - - account which was not mine. I have told them they have the wrong person and they have verified it on the phone with me via cross referencing the SS number of the account holder and my SS number. They contend they will take my information off the account each time I talk to them and then something pops up from them again every 3-4 months. I think they have people looking for something to do.... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine May 10, 2016 - Midland Funding is lowering my credit report and creating problems for me by reporting a Collection account on my credit report. This debt is NOT mine and yet they continue to ignore my requests to remove the derogatory remark. I ca n't understand how they can ruin someone 's life without providing any proof a debt is owed. If the CFPB ca n't help with situations like this I question why it even exists? The credit reporting agencies dispute procedure is useless in these situations and need to be changed.... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine December 17, 2015 - we keep getting calls from midland credit which we do not or ever had any loans with and when we answer the phone they do not respond but when we call them back they want our phone number and we told them to quit calling but they keep calling our house ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine December 13, 2015 - I did have a - account ( -? ) but when the store closed in our area -/-/-, I paid off my account and closed it. I JUST got a letter from Midland Credit Management - - - - saying that this account was " charged off as an unpaid delinquent debt on - '' but Midland wants me to pay them $370.00! I do not owe this money and asked the credit agencies - to remove this from my credit reports. ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine December 6, 2015 - THis is not mine ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine December 6, 2015 - This complaint concerns both harassment and misrepresentation. The Midland Credit Management collection agency has called me repeatedly about a debt that is not mine, although they did not identify themselves as a debt agency. Each time they called, they said that they wanted to speak with the person who the debt belongs to about a 'private business matter. ' The individual in question is an independent contractor, so it is possible that a - party would try to reach her about a legitimate business matter. However, after the first time they said that, I suspected that it was not, in fact, ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine December 4, 2015 - I was contacted by Midland Credit Management in 2014 in relation to a supposed debit owed to a Credit card issued by a - some eight to nine years ago. I do not remember ever being involved in anyway with - and asked for back up showing the debit was valid. They could not provide any proof, however when my employer received a wage garnishment, paid a similar amount to that claimed by a Bank Check. MCM have again contacted me relating that the debit is still valid and want payment of a similar amount. ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine December 3, 2015 - To Whom It May Concern, please note this is my - complaint in 2 months against Midland Credit for the same issue. My first complaint was disregarded as was my request to cease collection activities and further communications regarding debts alleged to be owed by me. Midland did not conduct an investigation of my complaint, but quickly responded and closed my complaint just to check off the box. Then to retaliate for filing a complaint in the first place, they had their law firm send me a robo-signed affidavit threatening a lawsuit on - of the - accounts they claim to be mine. They too... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine December 2, 2015 - Midland credit management is attempting to collect on a debt that is not mine. I have started receiving collection letters from them in - of this year stating they are collecting on the bad debt that they purchased from - bank for the amount of $2200.00 for account # - however, I never had a - bank credit card or any other - bank accounts ... I have contacted - bank who confirmed there was NO bad or any outstanding debt from my to them. THIS IS AN ILLEGAL COLLECTION AND MIDLAND IS NOT WILLING TO DELETE THIS FROM MY CREDIT REPORT EVEN AFTER I SERVED THEM WITH A LETTER FROM -... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine November 29, 2015 - We keep getting calls from Midland Credit ( - asking for a - -. When we tell them that no one by that name lives here and to take us off their list they hang up with no response. And then they call back later. ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine November 28, 2015 - I Discovered an account serviced by midland funding on my credit report that was not mine. in effort to remove it, i paid the attorney representing midland the funds. In addition, i 've asked midland for a full validation of the debt which they have not provided after asking several times. The funds were paid to the attorney on - - however midland is reporting as of - - the account is open with a full balance. ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine November 24, 2015 - We have received at least - calls from Midland Credit using a telephone number of - within the last month. When I answer, they do not respond. I finally got someone to respond yesterday and they claimed they were trying to collect a debt from my husband on a " - '' credit account. I told them we never had a credit account with that company and I would call the company directly. They insisted and asked me to verify my husband 's social security number. I refused, told them to remove our name from their call directory and hung up. I thought this was a scam because we have a credit monit... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine November 24, 2015 - Midland Credit Management issued me a refund check in the amount of $1000.00 on - -, 2015. This check was deposited by me on - -, 2015. However, this check was voided on - -, 2015 by Midland Credit Management because it was supposed to be issued to my father, - -, and not me because it was a refund to the individual who had paid the original amount to Midland Credit Management. I spoke with customer service on - -, 2015 and was told a refund check will be issued within four to six weeks to my father, - -, and will be mailed to his address within that time.... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine November 23, 2015 - BELOW IS THE E-CERPT FROM THE LAST CORRESPONDENCE I SENT TO MIDLAND : The last correspondence I sent your company dated - -, 2015 pertained to a demand for validation. Your company 's response dated - failed to provide me validation of the account and at the same time you have persevered with reporting the account on my credit report. Additionally, instead of a collection account with a charged-off amount, the account is being reported as an open past due account, to make it illicitly appear as an installment account in an effort to have a greater negative impact on my credit score. T... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine November 22, 2015 - I am lodging a complaint against Midland Funding LLC - -, and - as they are motioning for wage execution for a debt that I do not owe. I have explained to them that the debt was not mine, and they have not presented evidence to counter that. I have written to the court to dispute this, and they are still attempting to go forth with the motion despite my insistence on the fact that I did not make whatever purchases they are accusing me of, and are attempting to collect my wages. ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine November 19, 2015 - I 'm receiving these letters from this collection agency called Midland Credit Management Inc. and they want me to pay the amount of $2000.00 and this is absurd. I have never conducted business with this company and I am disputing this claim. I do not know how these people got my full name and my address. ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine November 18, 2015 - This debt is not mine. I sent the company a demand for validation to provide me Contractual Agreements for this account. They have not provided any validation. In turn they have continued reporting the account on my credit report thereby violating the FDCPA which is punishable by a $1000.00 fine in court. ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine November 17, 2015 - Repeated calls ( several every day ). I filed an earlier complaint but nothing was done. I have no debtsIs this complaint process of any use??????? ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine November 16, 2015 - I 'm receiving repeat hang up phone calls from Midland Credit ( - ). I do not have any collections and I 'm concerned that this is a phishing call when I called them back they wanted personal information that I would not give. Please help. ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine November 13, 2015 - I, - - am submitting another complaint as a result of this company 's non-response to my original complaint. They claimed that they were not authorized to communicate with my son who assisted me in submitting the complaint, even though I provided authorization in my original complaint and submitted the complaint directly. I have also provided another authorization via Midland 's web site per their instruction so there should be no need for another non-response. As indicated in my dispute of their non-response to my original complaint, I feel this is just another unfair collection tactic.... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine November 11, 2015 - The debt collection agency has reported to the credit bureaus that I owe money to -. I have not had a - account for over 10 years no do I owe them any money. ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine November 10, 2015 - hello I received a debt collection notice from Midland Credit Management stating I owe a debt. I do not believe I owe this debt and they can not give me any proof of this debt. I have also tried calling -, - and they all direct me back to Midland Credit Management. If I in fact have a debt I will gladly pay it but I do n't and until I have proof of this I will not pay it. ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine November 9, 2015 - This company reported to my - credit reports this account and after disputing it about a year ago, all - credit reporting agencies deleted the account. On - - 2015, the same collection company started sending me demand letters AGAiN. FYI MCM~ I have all my records and if you continue to demand payment on this account that was deleted and was not verified as mine AND/OR Re -Report any credit bureau, I will retain an attorney to Pursue them for financial compensation for the time, inconvenience, defamation and financial injury fro you ( MCM ), deliberate actions. Not to mention, fi... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine November 8, 2015 - Midland Credit is calling my unlisted land line at home several times a day. I am on the National DO NOT CALL list. Midland does not leave a message on the answering machine. A few times I picked up the phone and said nothing. After a minute or two, the call disconnects. No one from Midland ever says anything. This started around -/-/15 and continues through today ( -/-/15 ). I do not owe any money or have unpaid bills. A debt collector should not be harassing me like. ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine November 7, 2015 - I have repeatedly told this company this does not belong to me..Midland is the company and - - is the issue..I have asked for documentation where I supposedly opened this account and have received nothing. Please help. ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine November 6, 2015 - Midland Funding filed a lawsuit against me a year ago attempting to collect on a debt I do not recognize. The only evidence they have provided is a single affidavit from an employee of Midland -. I believe it to be a robo-signed affidavit. ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine November 6, 2015 - Midland Credit Management continues to harass me multiple times a day over a debt that is not mine. I have told the company multiple times this debt is not mine. Have told them another person in Missouri has my same name. Told them to take it off my credit and off of their call lost. The company in the beginning almost had me tricked into thinking this was my debt. I have verified with my files this is not my debt. Company says I need to have a police report to start the process of removing from their list. Company is a scam and trying to get money by using harassment tactics and they ca n't e... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine November 5, 2015 - Midland Funding purchased debt originally from - Bank. The account with - was orginally opened -/-/-, first reported -/-/-, at the time balance was $950.00, note the original credit limit was $950.00, and I keep getting offers from Midland to pay debt, they 're stating my current balance is $1700.00 and I have - options to pay, I did n't respond. I do not owe this debt ; I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws. I have checked with my State - and verified that the Statute of Limitation... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine November 5, 2015 - I received a letter in the ail from MCM-Midland Credit Management Inc. account ending in - to collect on an old - debt, Acct-ending in -. I called MCM and told the rep that the debt was not mine and also asked for more information about this debt. The rep told me it was from 2006 and I told him I never had a - account and also that this was an expired time barred debt. Rep told me that it is still collectible. I asked the rep what I needed to do because I never had a - account for credit and also I did n't want him or his company contacting me further due to a debt I never had. ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine November 1, 2015 - Midland Funding LLC has garnished $1000.00 from my midland bank account, and they claim that it was court ordered and i did not received any legal documents that state so. ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine October 29, 2015 - I placed a catalog order with -/-, I was asked to make an initial make required deposit and did so. However, I never received the merchandise. I have made numerous attempts to have the information removed from my reports with no success. Please see my letter to them with other supporting documentation to support my request to dispute their inaccurate and false reporting to you. Their negative information is impeding my ability to get a mortgage. In -/-/-, and -/-/- repeatedly requested tracking numbers in order to verify that I never received the merchandise they claim they sen... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine October 28, 2015 - I was issued a summons from Midland Funding LLC by -, - - - ( which lists a - - - - - - ) that also says - - - - with a " WRITTEN CREDIT CARD ''. Ending with a number of -. I do not know or have no idea who and what these people are talking about. They have listed a previous employer. Which I no longer work for. I do not have a job. This summons says I have 35 days to dispute this debt in writing. This has to be some type of scam or fraudulent means of getting money out of me by someone who is impersonating me with a WRITTEN CREDIT CARD! THI... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine October 28, 2015 - I spoke with - - regarding a debt that Midland was attempting to collect that was beyond 7 years old. He advised me the account was open in - & charged off in -. I advised him that it is now - and that under state law the debt is no longer valid. Additionally I received no notice from them regarding it and it is also not showing on my credit report. When I ask for proof of the debt he danced around the question several times attempting to talk me out of it before he finally consented. He also danced around disputing the debt. They have also not attempted to reached me at my reg... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine October 27, 2015 - . I submit a Letter Of Validation to Midland Credit Management. To provide me with the following : Agreement bearing my signature, or contract, valid copies of the debt agreement. A complete payment history on this account along with an accounting of all additional charges be assessed? Anything stating I have agreed to assume the debt. As of this date, I have n't received copy of the alleged letter verify information provided by the seller. Midland Credit need to provide all documents to myself and Bureau of Consumer Financial Protection. Midland Credit has n't response to my Letter of Validat... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine October 26, 2015 - Please remove the following from my credit file as it does not belong to me : MIDLAND FUNDING LLC # - - - -, CA - ( - ) - for Collection : -/-/-Responsibility : Individual AccountAccount Type : Open AccountLoan Type : FACTORING COMPANY ACCOUNTBalance : $ - Updated : - Amount : $ - Creditor : - - - Due : & gt ; $1000.00 & lt ; Pay Status : & gt ; In Collection & lt ; Remarks : & gt ; PLACED FOR COLLECTION & lt ; Estimated month and year that this item will be removed : -/-/- ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine October 22, 2015 - I 've written 4 letters since - -, 2015 to Midland Credit Management to valid that I owe them. They sent me a computer generated copy someone printed out. No signature! All I 'm saying is I will pay them if they can supply proof I owe them. They ca n't, and they 've had since my first letter to them -/-/- to valid it. What they did instead was notify the - major credit bureaus to change my statues to " Disputed ''. The FDCPA clearly states that they have to stop collection activity if the consumer disputes. This alone is a violation of the law!!! I will not and can not make mysel... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine October 22, 2015 - Refused to remove inaccurate information from my credit reports. Also information is over eight years old.they also refused to provide copies of original contracts or statements to prove validity of said debt. ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine October 21, 2015 - They sent me a letter stating that beginning - -, 2015 their company will start taking $75.00 on my account. The company kept sending me letters about the debt which I do n't recognized. I did request in writing to send me the validation of debt which they failed to send. Now, this is what they want to take money from my account without any judgement or proof of debt. ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine October 15, 2015 - -/-/- I filed online dispute - about some negative accounts that are not mine. This is - of them. On - - and -/-/- I sent certified mails to Midland Credit Management to validate my debt per FDCPA 15 U.S.C -/-/-g Section 809 ( 8 ) and per FCRA Section 609 ( a ) ( 1 ) ( A ). To date, Midland has failed to comply with my requests. I am attaching all documents sent to them with copies of certified request receipts. Today - -, I have sent them another letter to provide me proof of my alleged debts. ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine October 13, 2015 - I have recieved several calls from a company named Midland Funding. They are said to represent a payday loan that was taken out in 2012 online. They provided a false email address and false home mailing address. They have said the would sue me taking legal action because they want to ensure they will get monies in return. They accused me of recieving a payday loan at about $2800.00. When asked for proof and paper work trail they immediatly hang up.Then recall again within an hour. ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine October 13, 2015 - Midland Funding LLC filed a lawsuit against me for an alleged debt they allegedly purchased from -. I had sent them a Notice of Dispute/debt Validation but they did not validate the debt. I settled with them for a nuisance value of $1000.00. However, they have issued a - for cancelled debt which is not mine. I have disputed this - with IRS and Midland, who have failed to provide proof of ownership or validation of this debt. Also, this issue arose -/-/- and Midland Funding issued the - directly to IRS with NO copy to me or my Attorney. Is this legal? this is under-handed tac... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine October 11, 2015 - I contacted Asset Acceptance and I requested that they validate the debt and I got no response. I also requested that Asset Acceptance remove this debt from my credit report and they refused. ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine October 7, 2015 - continuation to Case number : - : Asset Acceptance/Encore answer - with my dispute : Their Answer : Please note that the last payment towards the - account was on -/-/- for $94.00. AALLC 's business records indicate that the suit that was filed against you for the - account in -/-/-, within the applicable statute of limitations period. No judgment was ever obtained in this suit, and the suit was subsequently dismissed. The above-mentioned account was closed as the Statute of Limitation had expired and there is no longer a balance due and owing. My response to dispute this ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine October 6, 2015 - I have received numerous debt collection calls from Midland Credit Mgt. - - -, - -, - -, California -. Collection Agency blocks their name on caller id ( shows as private caller ). I located the business name by using on-line acct management tools provided by my the telephone company. I informed this company that the person they are asking for is unknown to me. I also informed them they are violating telephone consumer protection act by blocking caller ID. I then spoke with a supervisor and demanded they remove my phone number from their system and cease and desist call... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine October 3, 2015 - I keep getting calls from MCM ( Midland Credit Management ) and sometimes calling themselves -. I believe these are related companies. I only returned to the - in - 2015 after living - for over 20 years, and have no outstanding debt overseas ; in the -, I have - long term loan ( a car partially financed through - ) and a couple of credit cards ( all of which are known and show up on my credit reports ). I have no other debt - no mortgage since we bought our house for cash, no student loans, or any other type of loan at all. MCM refuses to give me the last for digits of the... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine October 2, 2015 - Midland Credit Management , Inc. contacted me about a debt I do not owe. I never had any business with -, which they claim is the original creditor. I sent them a cease and desist letter via certified mail on - -, 2015 demanding that they have no further contact with me. However, on - -, 2015 they sent me a letter stating that I indicated I was being represented by an attorney. I never indicated that I had legal representation ; I only copied a friend of mine who is an attorney for her own interest. There is no attorney/client relationship between us. ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine October 2, 2015 - I just had a credit report done and find that - - is on my credit report I never apply for credit with them. Their reporting that I apply on the report in 2011 I was under - year old at that time. Also on my credit report they reported my name spelled different and different social security number and date of birth with also different residential address. They also was report all this different phone numbers .I filed a dispute with the credit bureau and this time and put a fraud alert on my records. I also have not receive a letter from in the mail for this credit card. On my credit r... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine October 1, 2015 - On -/-/2015, this company received my request for validation for a frivolous debt they had reported on my credit report. The company failed to provide me with any former validation, at the same time they persevered with reporting the account on my credit report ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine September 24, 2015 - my husband it was cosign of credit card and they be on to him they took money from our account and that money was belong to my rent they do n't care the also been aggressive and unprofessional harassment me call me a job also call my house at - and Sunday early morning ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine September 24, 2015 - Midland Financial shows on my credit report that I owe - $1300.00 as of -/-/12. Per the Federal Trade Commission Fair Debt Collection Practices Act Section 809 Validation of Debts that the Consumer should be notified within 30 days of any debt. I am unaware of this debt. ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine September 24, 2015 - The judgement on my report from Midland Funding LLC is not mine. This debt is my son 's. He has n't lived in my house since - 1992. I 've never had this debt nor have never co-signed for or authorized this debt. I was never properly served. A young man rang our doorbell and when my wife opened the door, he threw the notice at her and ran to his car all the while she was telling him that he had the wrong person. He sped away screeching his tires. - and - removed the account after performing their investigations. Please help. Thank you ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine September 24, 2015 - My daughter got this account in my name and i only found out about it this year after being denied for senior housing that it went to collections in 2007. I disputed it with experian after viewing my credit report and they closed the case and it stated it would be removed in -. My daughter called and told them it was hers and they refuse to remove it and it has been over 7 years. I am - years old and do not feel i should be held accountable for this debt and i was told it should have been removed after 7 years. I am currently disputed it with - after being denied again for housing and... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine September 23, 2015 - I have continuously requested for debt validation and verification from this company. They have used tactics that reflect their noncompliance with my request ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine September 16, 2015 - This company keeps calling here all day and leaves no message the calls are getting out of hand. I have no idea why they are calling. ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine September 16, 2015 - I checked my credit report and it shows there is midland credit management reporting to for a tmobile account. This account is shown to have been opened around the - cramming sue which makes the amount not certain and needs to be immediately deleted from all credit bureaus. ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine September 14, 2015 - Midland Credit Management , Inc., calls me every day to attempt to collect a debt that they have failed to provide written validation of, in violation of the Fair Debt Collection Practices Act. They are unable to provide written validation because I do not have any accounts in delinquent or collections status - I do n't know what debt they are trying to collect but it is not mine. They call at least once per day, sometimes more, but when I answer the calls there is no one there and the call disconnects - this constitutes harassment. They also call at the same time every day ( between - and ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine September 13, 2015 - Midland Funding is violating multiple sections of the FDCPA by falsely communicating information about - alleged, unvalidated debts to consumer reporting agencies. Additionally, the debts they are alleging to be mine are beyond the statute of limitations for legal action in the State of New Hampshire so I believe their erroneous reporting is an intentional tactic used to frustrate my attempts at obtaining credit in an effort to get me to simply pay their terms to clear up '' my reports. To wit : Midland Funding is reporting an account with a balance of $1900.00 on an alleged original amo... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine September 11, 2015 - On receiving a request to substantiate charges and liability related to an account this institution had reported to my credit report, the company in a bewildering response ( see attached response ), refused to provide the requisite documents to stay in compliance with the FDCPA and stated they would continue to report the account on my credit report in violation of my legal rights. ... |