fbpx

ENCORE CAPITAL GROUP INC. – CFPB Complaint ID 3113352

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

Do You Have a Question You'd Like Help With? Contact Debt Coach Damon Day. Click here to reach Damon.

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3113352

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.

See also  CONTRACT CALLERS INC - CFPB Complaint 2018-11-04

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.

Here is where you will find important stories located from around the web which can impact you and your financial life.