Review and analysis of over 1,171 Other (Phone, Health Club, Etc.) complaints against Encore Capital Group
Encore Capital Group consumers have reported over 1,171 official complaints related to Other (phone, health club, etc.). Out of the 1,171 consumer complaints against Encore Capital Group, 16% were disputed by the consumer (i.e. the consumer was not happy with how Encore Capital Group responded to their complaint) and 99% were processed in a timely manner. 1% of consumer complaints against Encore Capital Group resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 38% 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 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 resulted from identity theft October 12, 2015 - On - -, 2015, I submit a Letter Of Validation to Midland Credit Management. Please 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 only have received a statement alleged, debt. ... |
Encore Capital Group Debt collection false statements or representation attempted to collect wrong amount October 9, 2015 - Collection agency reporting $2900.00 as Open Account, & under collection accts ( - ) times on credit report along with Original debtor - also reporting, $1900.00 as charge off. This is reported - on credit report. ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt was paid October 5, 2015 - Debt was paid on - -, 2014. Original was owe to - but was sold to Midland. Request deleting/removal from credit report profile from - credit bureaus. ... |
Encore Capital Group Debt collection false statements or representation attempted to collect wrong amount October 1, 2015 - Cramming charges were added to this bill. This charge does not represent actual amount owed. ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt was paid September 29, 2015 - The debt was settled and paid several years ago. I continue to be contacted by a credit collection firm, Midland Credit Management , Inc. - handled my settlement and has contacted this creditor requesting a cease of contact. I continue to receive mail pieces from this collector for a debt that has been paid several years ago. ... |
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 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 false statements or representation attempted to collect wrong amount September 23, 2015 - Asset Acceptance bought a supposed old debt of mine that is way past the 7 years from date of last activity/payment. They continue to report this debt to - that they purchased from - Bank in clear violation of the FCRA. I have disputed with - and it always comes back verified ''. When I inquire with - what method they used to verify '' they do not respond. This is another clear violation of the FCRA by -. I am ready to file litigation against Asset Acceptance and - if this account is not removed right away. I will also file complaints with the -, State Attorney General a... |
Encore Capital Group Debt collection disclosure verification of debt right to dispute notice not received September 22, 2015 - I recently received a letter from the local courthouse that I am being sued by a company I have never heard of. It states I owe money to - computers from -/-/- which I do n't own and that I was contacted in -/-/- and refused to pay. I immediately - the company and all the links state that this company, Asset Acceptance, is a fraud and to beware of giving them money. Seeing as I have never heard of them and they are now taking to court, my alerts are going up and I do not know what my next step is. I have no money and I am a single mother and now I 'm being sued for around $400... |
Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt September 19, 2015 - I contacted Midland Credit Management , Inc. by letter to request verification of debt. Midland Credit Management has reported an active collectible debt on my credit report and they have failed to produce evidence that they are legally able to collect and report an alleged debt. This debt, should it be mine, is a zombie debt over 7 years old and thus uncollectible. ... |
Encore Capital Group Debt collection communication tactics threatened to take legal action September 17, 2015 - Back in -/-/- I disputed a debt from Midland funding on the account -. Once verification was received I requested the account taken out of dispute. I have sent multiple letters and have made multiple phone calls to remove the dispute and dispute verbiage form my credit report. Each time I am assured the dispute is removed only have it placed back on my credit within two weeks. Each time I call Midland funding I am told the dispute was added due to the credit bureau. So therefore a few weeks ago I had one of the credit bureau 's call three way with me on the phone on a recorded line tha... |
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 disclosure verification of debt not given enough info to verify debt September 16, 2015 - I had an account with - many years ago. We moved to a state where - did provide service. This was over 8 years ago. - did not have coverage for this area and we asked to be released from the agreement. They did this for us with no questions asked. Then, MCM began to call/send letters demanding money for an account we had with -. I asked MCM for a detailed explanation as to what the charges are for and they provide me nothing. I just got off the phone with - today ( representatives name was - ). - tells me that she can not provide details of what those charges are as they s... |
Encore Capital Group Debt collection improper contact or sharing of info talked to a third party about my debt September 13, 2015 - Midland Funding LLC is sharing information that is inaccurate with - -, -, -, and - -. On all - agencies they are saying that a - - account was opened on -/-/-. The account was opened on -/-/- per - -. Midland Funding , LLC is trying to make it seem like its a newer account. I 'm still working with - to get to the bottom of it. I did not open an account with - until -/-/-. Midland Funding , LLC is reporting the incorrect information on my credit report, and should be removed or changed. ... |
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 false statements or representation attempted to collect wrong amount September 9, 2015 - Reporting to credit report balance was settled less than full balance. Sent me letter stating that $590.00 was paid and I have no further obligation for this account. Account is still open on my credit report. I paid a total $1000.00 ... |
Encore Capital Group Debt collection improper contact or sharing of info contacted me after i asked not to September 4, 2015 - - IS BILLING ME WHEN I AM - AND UNEMPLOYED. I HAD ASKED THEM TO FORGIVE THE DEBT AS THEY ARE ASKING MCM, INC. TO BILL ME. ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine September 4, 2015 - I have continously requested for debt validation and verification from this company. They have used tactics that reflect their non compliance with my request ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt resulted from identity theft July 18, 2015 - On -/-/- I decide to try - service for my iPhone so I stopped by - - store and got a pay as you go plan and prepaid it. I explained I want to try service to see if the iPhone would work. I was told I had to activate service and to get pay as you go plan, then if the phone proofed to be unlocked I could cancel and get a monthly plan. So that day after trying the phone and finding it to work on - network I cancelled the pay as you go and converted it to a monthly plan. - agent at the -, NJ store did the paper work and put the $75.00 credit from the pay as you go plan ont... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine July 16, 2015 - I do not know what this bill is and for what. ... |
Encore Capital Group Debt collection false statements or representation attempted to collect wrong amount July 9, 2015 - 1. This collector has repeatedly and falsely reported the alleged debt as new. 2. This collector has rejected my efforts to resolve the debt in accordance with the law. ( These options were not listed in the drop down menu. ) ... |
Encore Capital Group Debt collection improper contact or sharing of info contacted me instead of my attorney July 9, 2015 - File incorrect information on credit report and refused to correct it. You making monthly payments and it 's saying you not by put your balance as monthly payment. We pay every month and it 's keeping you behind and report it. Midlands credit management refuses to correct the bad report and told me they would n't change it. ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt was paid July 2, 2015 - - - 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 amounts of additional finance charges ( not all the ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine July 1, 2015 - Midland Funding is incorrectly reporting a collection account on all - of my credit reports as an Factoring account. I have never entered into any agreement with Midland Funding or any of its associates. They are updating this account monthly as past due '' so as to cause a greater negative impact to my credit score. Because of the way they are incorrectly reporting this account, it appears to any other creditors that I have recently become late on a account and or loan when, in fact, I have not been late on or missed any payments with any creditors in nearly six years. This has caused me... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine June 30, 2015 - - ( the original creditor ) sent me a letter saying this was being deleted. But Midland is still reporting it to the credit bureaus ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine June 29, 2015 - Upon viewing my credit report in - of 2015, I saw Midland Funding - - was listed on my credit report. They were collecting on a - phone bill that was not my account. I disputed the account with the Credit Reporting Agencies - CRA -. Midland Funding verified with the CRA that the account was being reported accurate and was verified to be my account. I then wrote a certified letter to Midland Funding requesting the documents used to verify, specifically any documents to prove my liability for the account as well as proof of any payments made on the account from my financial ins... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine June 28, 2015 - - / midland credit management is reporting as a collection item. I have no idea what this is for. I do not owe midland or - anything. ... |
Encore Capital Group Debt collection disclosure verification of debt not disclosed as an attempt to collect June 28, 2015 - Midland Funding has been reporting misleading, inaccurate, and fraudulent information to my credit reports. I have not received any information from this company pertaining to a debt. This company is keeping my family from obtaining a hoe by placing Dispute '' remarks on my credit profile, in which I have no open disputes with this company. I have no communication with this company and they yet report inaccurate information. ... |
Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt June 25, 2015 - I have submitted - letters demanding verification of debt and this company replies by stating they have verified the debt and are satisfied it is mine but I have not received any verification documentation as allowed by law. They continue collection efforts by continuing to report a negative account to all credit bureaus. They have deliberately ignored my validation requests and continue the collection process on an account that I do n't own. They refuse to provide me with any document containing my signature or any other information requested in my validation requests. They have added a no... |
Encore Capital Group Debt collection disclosure verification of debt right to dispute notice not received June 20, 2015 - I have sent - written request for Validation of Account, and Midland Credit Mangement has not provided me with the requested information, such as, signed contract, payment history, proof of ownership and all the requested documentation. Please see attached letters. This collection agency has placed this debt on my credit reports without validatiing the debt. ... |
Encore Capital Group Debt collection improper contact or sharing of info talked to a third party about my debt June 18, 2015 - I paid debt with Midland credit company in 2013 in the amount of - for a unpaid bill -. Midland Credit will not reach out to - to let them know the debt has been paid. - still have me owing a bad debt ... |
Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt June 10, 2015 - I sent certified letters to debt collector to validate these - debts. They sent letters back stating they needed more information from me, which I gave them that on the letter the account numbers which are on my credit report. I stated on my certified letter that I wanted information from the original creditor with my signature and dates of the account. They did not have any information but the name of the creditor which I already knew that, because it is on my credit report. I would like both of these debts removed from credit reports. -, - and -.This debt can not be validated. ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine June 9, 2015 - This company is reporting an account on my credit reports that they have refused to verify with me. The company is stating I owe money to - when I do n't. I sent them a validation letter in - 2015 and they responded back asking for more information to identify my account with. I provided them with my name, address, and even a copy of my credit report but informed them I would not be sending them my ssn through the mail for security reasons. They never responded. I sent them a - follow-up letter to which they still never responded. Lastly I sent them a letter demanding removal of the i... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine June 9, 2015 - I contacted Midland funding because of a debt that i saw on my credit report and they claimed that it is from - and i informed them of the fact that i have never had an account with this merchant in my life and i demanded proof of debt or for them to remove from my credit if they could not find it. i also mentioned that i was prepared to take legal action they they did not reply or fix this error and they replied saying that they needed my lawyer contact information and they will speak to them. after that i sent out another letter to them explaining that my lawyer is not the issue and that ... |
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 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 false statements or representation attempted to collect wrong amount May 28, 2015 - Midland Funding had posted a debt under a different name, I had it challenged and DELETED from all - Credit reporting agencies, now they re-filed it under - to try and get this debt again! This is illegal practice and a complete violation of my rights under the FCRA. I want these posts removed immediately. This company is on every ripoff report ruining people 's good names. ... |
Encore Capital Group Debt collection false statements or representation attempted to collect wrong amount May 28, 2015 - Midland Funding is trying to collect on a debit that had already reached the statue of limitations with - - Bank. Account was closed, marked as paid and then re-opened for around the same amount. With a new account number to continue collecting on a debit that they have almost tripled the original amount owed. It says that this is due to fall off my report as of - but what is stopping them from doing this all over again and extending it another - years? ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine May 25, 2015 - I have been a victim of Identity theft as a result several accounts were opened in my name . I have sent a letter to the collection agencies letting them know the debt is not mine but they still report me negatively to the credit bureaus and claim I did not provide sufficient information to investigate. I do not understand this I have sent them a letter letting them know I am unaware and have no knowledge of this account and it is fraud, in addition I sent the account information that is reporting on my credit report from MCM.... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt was paid May 22, 2015 - Debt was paid -/-/- but it is still showing as collection in my credit report as of -/-/-! I have complained few times at consumer finance and also called the collecion agency few times but it was never resolved. Collection agencies need to inform the credit bureau right away if the collection amount is paid off. ... |
Encore Capital Group Debt collection false statements or representation attempted to collect wrong amount May 21, 2015 - I contacted both - and Midland Funding concerning an account that is listed on my credit report by Midland Funding. - was unable to provide an explanation of the exuberant charges that Midland Funding was attempting to collect. Midland has not provided an explanation of the charges either. I have contacted them by fax, phone and mail. This account undoubtly includes cramming charges not authorized by me and that I do not owe. - 's practice of cramming is well outlined in a complaint filed by the FTC where - has agreed to reimburse negatively affected customers for these erroneous c... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine May 19, 2015 - I was contacted by Midland Funding to collect a debt from -. I began making payments and discovered that the debt was not mine. Midland was very coercive in getting me to agree to the payments and denied that the debt was not mine. When I informed them that I would had contacted the - and would be filing a report with the FTC, they contact me and told me they would put a stop on withdrawing payments for the debt and they also refunded all the prior payments. The account was on hold. ... |
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 cont'd attempts collect debt not owed debt is not mine May 15, 2015 - I have been receiving these types of letters since last of -/-/-. I have spoken to a - of representatives on your end in regards to this. The - of times that I have called all representatives were unable to provide detail information as to why there is a charge-off balance '' from -? I am and have been a current provider with - and can not be provided with an explanation as to why? I do not want this inaccurate information to be effecting my credit for something that is not irrelevant and or current when - is my provider and have never had a problem with my bill and it bei... |
Encore Capital Group Debt collection disclosure verification of debt right to dispute notice not received May 13, 2015 - there was a debt that originated in -/-/--/-/- for a cell phone with -. -/-/- the debt was voluntarily discharged. that was the last time I heard from this company. I have n't received any mail or phone calls in regard to this debt from this company. but -/-/15 they were able to garnish my acct for all my money. left me without a dime to feed my kids. I have - kids from ages -/-/- today is -/-/- and I still have n't received anything from this company. but they sent notification to my credit union on -/-/15 .... why have n't I received anything? ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt was paid May 13, 2015 - I called after seeing this on my report. I spoke to someone and they could n't find any information in their system and seemed irritated that I was trying to figure out what the debt was. I asked them to remove this reporting from my report or provide all the documentation to me showing that what the debt is for and that it is mine and was never paid. They never sent anything but still continue to report it messing up my credit costing me lots of money because this debt was from -/-/- and they are reporting a - day late as of -/-/- which from my research on the internet is complet... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt was paid May 7, 2015 - I have a collecton company illegally and in fraud ( Asset Acceptance LLC, - - - - - - for last 6 yrs ( signature debt expires in 4years in --but i had a loan from - finannce for a large amount signture loan no collateral- like revolving signature loan- the loan had insurance to payoff balance owed in case I lost my job which in effect occured-they collected the insurance_I had paid $12000.00 in insurance premiums over a two-three years that I had the loan. At the time I lost my job the balance owed and covered by insurance was about $6200.00 which they collected the... |
Encore Capital Group Debt collection false statements or representation attempted to collect wrong amount May 6, 2015 - Midland Funding is attempting to collect a debt that originated from - who verified that I was part of the FCC settlement that - agreed to settle allegations of billing customers - of dollars in unauthorized --party subscriptions and premium text message services. ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt is not mine May 5, 2015 - i never did business with this company, i was a victim of identy theft. ... |
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 cont'd attempts collect debt not owed debt resulted from identity theft April 27, 2015 - This account donot belong to me at all and i would this removed off my credit ... |
Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt April 24, 2015 - They continuously called me and asked for my information. I would deny, they called my wife and she said yes she was my wife. she was then told why i hadnt paid a debt to - over 6 years ago. ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt was paid April 22, 2015 - about 7 years ago i started a cellular service with - the plan i choose was a - minutes for - phones with an automatic cut off when the minutes run out. the store did not give me the plan requested and i end up paying - overtime the - month and when i call customer service they told me that i where going to correct the mistake and change the plan, but that never happened and again the the following month i got another bill for - for overtime, so i pay only the regular plan and cancel the service, then they send me a bill for - early cancellation plus the overtime. # 1 the ... |
Encore Capital Group Debt collection false statements or representation attempted to collect wrong amount April 21, 2015 - I was a customer of - and I think I was a victim of - cramming charges. It was verified and validated through their website. This account is currently with Midland Credit and I believe the debt is inaccurate due to cramming charges. ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt was paid April 21, 2015 - I paid this collection with Midland Funding in -/-/- and it 's still showing a STATUS as OPEN, in collection and 90 days past due as -/-/- on my - and - credit reports. I have made numerous phone calls and disputed this info to the company at least - or - times since I paid the collection in -/-/-. All I have asked the company to do is update the collection iwith the correct info and show that is a paid collection. No such luck as of yet. Every time I dispute this collection it shows up with a new collection reporting date as if the collection is new. Please help!! ... |
Encore Capital Group Debt collection cont'd attempts collect debt not owed debt resulted from identity theft April 19, 2015 - I have contacted Midland Funding regarding a fraudulent account reporting on my credit report that does n't belong to me. I have yet to hear back from them regarding this matter. ... |
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 false statements or representation attempted to collect wrong amount April 19, 2015 - This debt is originally for a - bill. It appears that in 2014 the was a lawsuit filed against - for cramming '' charges. This is where customers were charged for premium services without their knowledge. I was also a victim of this and this has also been validated ( see attached documents ). I have also requested my refund for this services as I did not authorize them. The amount of debt that I reportedly owe to Midland/- has been rendered invalid due to this FTC lawsuit against - and the fact that I was a victim of these extra charges. ... |