February 2020 Complaints Against Encore Capital Group

Compiled from Public Data by FairShake

If you have an issue with Encore Capital Group, you’re not alone.

The US government’s Consumer Financial Protection Bureau (CFPB) collects complaints against financial companies.

In 2020, the CFPB received 1950 complaints against Encore Capital Group. Encore Capital Group ranked Number 20 among all financial companies for the most complaints.


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Complaint Details:

Date of Complaint: February 14, 2020

Company Official Name: ENCORE CAPITAL GROUP INC.

State: NY

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting

Issue: Credit monitoring or identity theft protection services
Sub-Issue: Problem with product or service terms changing

Full Complaint:
Midland Credit Management Inc. Reported an incorrect OUSTANDING debt to My Consumer reporting Agencies, Years ago I purchased a secured credit card from, XXXX XXXX XXXX , by depositing an amount iqual to what I wanted my credit be evaluated for, secure deposit for credit, to establish revolving credit records, Years later I ask the bank to close the account, thinking they will balance the credit card debt, and reimburse what was left, instead the reported or sold the credit to collection agency, reported me to the consumer reporting agencies.

Complaint Tags: Older American, Servicemember

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: February 13, 2020

Company Official Name: ENCORE CAPITAL GROUP INC.

State: PA

Product: Debt collection
Sub-Product: I do not know

Issue: Communication tactics
Sub-Issue: You told them to stop contacting you, but they keep trying

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: February 13, 2020

Company Official Name: ENCORE CAPITAL GROUP INC.

State: WY

Product: Debt collection
Sub-Product: I do not know

Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours

Full Complaint:
After receiving and reviewing the results of a recent disputes sent to you, I am now requesting the method you used to verify certain item. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later than 15 days after receiving this request. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: February 14, 2020

Company Official Name: ENCORE CAPITAL GROUP INC.

State: FL

Product: Debt collection
Sub-Product: Credit card debt

Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours

Full Complaint:
I have debt of {0.00} in collections from a company called Midland Funding LLC. I’ve tried talking to multiple companies for years and explaining that I do not recognize this debt and that it has been a case of identity theft for about 7 years now ( XX/XX/2013 ), but is still affecting my credit history.

I was already promised that it was going to be removed by a different credit company that was holding the account.

Now I see that this account has been taken over by a different company.

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: February 14, 2020

Company Official Name: ENCORE CAPITAL GROUP INC.

State: OK

Product: Debt collection
Sub-Product: Credit card debt

Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: February 13, 2020

Company Official Name: ENCORE CAPITAL GROUP INC.

State: NJ

Product: Debt collection
Sub-Product: Credit card debt

Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened to arrest you or take you to jail if you do not pay

Full Complaint:
In XX/XX/XXXX I was notified from Superior Court of New Jersey Law Division XXXX New Jersey for a credit card balance Docket XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was in collection agency Midland Funding L. L. C. with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX File XXXX it is XXXX XXXX XXXX ( now XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) file. I went to Superior Court in New Jersey, XXXX County to answered that lawsuit. Therefore, few years ago I called Dell to set-up the account and pay monthly lower payments. But, XXXX XXXX XXXX told that did not had this account, because they sold to XXXX XXXX XXXX for {0.00}. Also, XXXX XXXX XXXX harassments a customer from credit cards made business with bad manners to get wealth. XXXX XXXX XXXX harassments me with calls and used the law for that propose. They hurt me in many manners, since they harassment me still doing. Yesterday XX/XX/XXXX, at XXXX a Sheriff from XXXX City knocked my door in my house. The Sheriff come to my home because XXXX XXXX XXXX Now XXXX XXXX XXXX XXXX XXXX XXXX pay them a fee uses the Law their way for harassments made me with frighten me. The Sheriff told me, he is doing his job but for {00.00} Docket # XXXX XXXX. It is not right to came somebody home a made inventory about what I have in my home and take away someone needs. I believe that XXXX XXXX XXXX ( Now XXXX XXXX XXXX XXXX XXXX ) This account is from XX/XX/XXXX, Has A statute of limitations is the limited period of time creditors or debt collectors have to file a lawsuit to recover a debt. It falls in the three to six years range, although in they need to show me that own that amount. and this is too old. So, I am not own nothing, Status of Limitation had already passed.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: February 13, 2020

Company Official Name: ENCORE CAPITAL GROUP INC.

State: FL

Product: Debt collection
Sub-Product: Credit card debt

Issue: Communication tactics
Sub-Issue: Frequent or repeated calls

Full Complaint:
This company is calling over 8 times a day from different phone numbers. Ive asked them to stop. Theyve called me after XXXX as well. This is harassment at this point.

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: February 14, 2020

Company Official Name: ENCORE CAPITAL GROUP INC.

State: None

Product: Debt collection
Sub-Product: Credit card debt

Issue: Written notification about debt
Sub-Issue: Didn’t receive notice of right to dispute

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: February 14, 2020

Company Official Name: ENCORE CAPITAL GROUP INC.

State: CA

Product: Debt collection
Sub-Product: Credit card debt

Issue: Communication tactics
Sub-Issue: Frequent or repeated calls

Full Complaint:
I sent Midland Credit management a letter for request of Validation the week of XXXX/XXXX/219, after they called me. I never received a response, and sense then i have received numerous calls a day, and they keep using different number. I have over 20 phone number they have used to contact me now blocked on my phone.

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: February 13, 2020

Company Official Name: ENCORE CAPITAL GROUP INC.

State: CA

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting

Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else

Full Complaint:
On XX/XX/2020 I pulled my report at XXXX XXXX to qualify for a new mortgage, upon review it was shown that multiple accounts on my report were not mine. These accounts are the result of identity theft and fraud that was done in my name.

These accounts listed on this federal affidavit are fraud, are the result of fraud and have no merit in my name.

This includes ; XXXX XXXX XXXX {0.00}, XXXX XXXX {00.00}, XXXX XXXX – XXXX XXXX {0.00}, Midland Credit Management- XXXX XXXX {00.00}.

Company response:

Response Type: Closed with non-monetary relief


FairShake accessed this complaint from the public archives of the Consumer Financial Protection Bureau (CFPB). You can file your own complaint with the CFPB here.

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