CFPB Complaint

ENCORE CAPITAL GROUP INC. – CFPB Complaint ID 2477225

Consumer Complaint Submission

Date Received: 2017-05-05T00:00:00

Product: Credit card debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I called midland funding after seeing this on my credit report.I did n’t remember opening an account with them, I called, they said the account was opened XX/XX/XXXX , and it was sold to them, they purchased it XX/XX/XXXX she said .I asked if she will repeat what you just said, her reply was do you want to pay the whole amount today? This means the loan was paid off and sold to them.This is the dispute, it was discharged, they wrote it off and was paid in full.I still get offers for new credit card thru XXXX XXXX .I should n’t still be responsible.

Company: ENCORE CAPITAL GROUP INC.

State/Zip: MN 551XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2477225

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

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In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.

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