Date Received: 2017-05-08T00:00:00
Product: Credit card debt
Issue: Attempts to collect debt not owed
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I am a victim of identity theft. An identity thief used my personal information without my permission to keep the account open make purchases with XXXX . This debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. Please see proof that XXXX Revolving account was paid in full in XX/XX/XXXX . Th is account was paid to a XXXX balance and I have not use. Now this company call Midland Funding LLC, h ad taking action to collect payment from me i n Small Claims Count. The hav e file a case and this is not my debt. Midland Funding LLC, states that I own XXXX , XXXX and file a cas e on XX/XX/XXXX i n XXXX XXXX XXXX . The amount is for changes in XX/XX/XXXX and I have not knowledge of any of the debt.
Company: ENCORE CAPITAL GROUP INC.
State/Zip: FL 330XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2478218
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.
Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.
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.