CFPB Complaint

ENCORE CAPITAL GROUP INC. – CFPB Complaint

Consumer Complaint Submission

Date Received: 2018-12-31T00:00:00.000

Product: Credit card debt

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: Today XXXX I called XXXX XXXX XXXX XXXX XXXX to speak with them about setting up payment arrangements for a CC debt that has been turned over to their company. I advised the representative that my paycheck was already being garnished, without myself having prior knowledge that it was going to be put into place, and I was told 2 things 1 ) they do not set up payment arrangements once a garnishment has been issued 2 ) they do not send out informing someone when they do a garnishment.
Legally are they not required to inform me prior to a garnishment being issued?
She also said, it was past the statue of limitations for my state which is TN but since they were granted a judgement in XXXX in was null and void.
This is a violation of the Fair Debt Collections Act this debt is over 6 yrs old and they never filed a complaint against me or took my to court about it so they can not collect or garnish my wages. The representative did not agree with me and told me I had to contact the court house to handle it from here.
I have called this company several times since XXXX and never for a return phone call from anyone which is very unprofessional and the lady I spoke with today was very rude and had a bad attitude which I did not appreciate

Company: ENCORE CAPITAL GROUP INC.

State/Zip: TN

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3113352

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