Date Received: 2018-11-23T00:00:00.000
Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I disputed two accounts with Midland Funding, in their response to those disputes they stated that, I can not be sued for the debt because it was very old but they will continue to report to all three credit bureaus for missed payments or unpaid balance. At this time its hurting my credit report tremendously.
Company: ENCORE CAPITAL GROUP INC.
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3081072
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.