ENCORE CAPITAL GROUP INC. – CFPB Complaint ID 2571021

Date Received: 2017-07-11T00:00:00

Product: Credit card debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: On several occasions I have written to get Midland Funding to prove the validity of their alleged debt showing up on my credit report. I am including original letters dated XX/XX/XXXX and XX/XX/XXXX I have many more letters which I could produce. I have also written to the credit bureaus asking for their help. To date, no one has responded. Unless someone can produce documentation showing that the information being reported is 100 % accurate and 100 % verifiable, it must be removed.

Company: ENCORE CAPITAL GROUP INC.

State/Zip: IL 600XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2571021

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.