Date Received: 2018-10-25T00:00:00.000
Product: Credit card debt
Issue: Attempts to collect debt not owed
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I have contact this company as well as the bureau to properly validate this debt. They have yet to do so. I wrote a letteXX/XX/2018, XX/XX/2018 and they sent a letter stating it is my debt without proper validation or letter or contract bearing my signature. This debt or account was otherwise opened without my consent and needs to be removed. I do not owe this company. They also repeatedly call my phone.
Company: ENCORE CAPITAL GROUP INC.
State/Zip: IL 604XX
Company Response to Complaint: Closed with non-monetary relief
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3056001
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.