Date Received: 2018-12-23T00:00:00.000
Product: Credit card debt
Issue: Attempts to collect debt not owed
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: XXXX XXXX is reporting inaccurate information ; a derogatory account is reporting in the amount of {$1200.00}. They have failed to provide me with me with validation that this account belongs to me. I have made several requests for this information. If the information can not be validated it must be removed immediately.
Company: ENCORE CAPITAL GROUP INC.
State/Zip: NC 280XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3108183
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.
