CFPB Complaint

ENCORE CAPITAL GROUP INC. – CFPB Complaint ID 2704855

Consumer Complaint Submission

Date Received: 2017-10-17T00:00:00

Product: Credit card debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: On or about XXXX XXXX 2015, I noticed while checking a copy of my credit report, a charge for a line of credit that I did not request. The company was ” XXXX XXXX ” financed by ” XXXX XXXX XXXX XXXX ” and the amount was {$1300.00}. I immediately contacted XXXX XXXX and all three credit reporting bureaus and informed them in writing via certified mail of this error. It is important to mention that up until this time, they did not have my mailing address and therefore had not been able to contact me. I also should mention that I have never been in a ” XXXX XXXX ” store. I clearly informed them that this was a fraudulent activity or a mistake and I requested documented proof which is my right and which they are obligated to provide at my written request according to the Federal law which is governed by the ” Fair Credit Collections Act ” and the ” Fair Credit Reporting Act ” as enforced by the Federal Trade Commission. They failed to provide any documents and continued to harass me for this debt eventually selling the debt to ” XXXX XXXX XXXX ” a collections agency. Similar written requests were made with this collection agency with similar results. They have violated my rights as well by failing to show proof of the validity of this debt.
They continue to harass me for this debt and are negatively effecting my credit report and FICO score, again violating my legal rights.
It should be clear to them of the following facts that they continue to ignore. First, the name on the original XXXX XXXX charge is ” XXXX ”. My name is ” XXXX ”. Second, I reside at XXXX XXXX XXXX XXXX NOT XXXX XXXX. And lastly, they have refused to send me a document that I signed with my social security number and signature. Why? because no such document exists.

READ  BANK OF AMERICA, NATIONAL ASSOCIATION - CFPB Complaint ID 3040944

Company: ENCORE CAPITAL GROUP INC.

State/Zip: CA 917XX

Company Response to Complaint: Closed with non-monetary relief

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2704855

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