ENCORE CAPITAL GROUP INC. Reviews

Anonymous

2 months agoPublic complaint

False statements or representation: Debt collection

We continue to go back and forth shout how I owe them On a debt that I never authorized for them to obtain, they have not provided me a signature stating where I authorized this from them, or from any previous companies.And now it is at a point that they're taking it that they're going to take legal action. And they are starting to text message me where I never authorize to receive text messages either.

Financial ServicesUnited States

Anonymous

2 months agoPublic complaint

ENCORE CAPITAL GROUP INC.

Attempts to collect debt not owed: Debt collection

I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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Financial ServicesUnited StatesSource: Consumer Financial Protection Bureau

Anonymous

2 months agoPublic complaint

ENCORE CAPITAL GROUP INC.

Attempts to collect debt not owed: Debt collection

I filed an identity theft report with the FTC and the identity theft commissioner and this was removed and resolved and now they have sold the debt to another company and this false claim that was opened fraudulent because my identity was stolen from has been added back to my credit report while Im in the process of buying my home.

Financial ServicesUnited StatesSource: Consumer Financial Protection Bureau

Anonymous

2 months agoPublic complaint

ENCORE CAPITAL GROUP INC.

Attempts to collect debt not owed: Debt collection

I am writing to address an account being reported on my credit report for which I requested debt validation. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requested proper verification of the alleged debt. However, I have not received sufficient documentation to confirm that this debt is mine, that the amount is accurate, or that the collector has the legal authority to collect. Despite the lack of proper validation, the account continues to be reported on my credit file, which is negatively impacting my credit. I am requesting a full investigation. Any information that can not be properly verified must be removed.

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Financial ServicesUnited StatesSource: Consumer Financial Protection Bureau

Anonymous

2 months agoPublic complaint

ENCORE CAPITAL GROUP INC.

Written notification about debt: Debt collection

I previously submitted a written request for debt validation regarding the alleged account. However, the response I received was incomplete and failed to provide the documentation necessary to substantiate the alleged debt or the collector 's legal authority to collect it. To date, I have not received sufficient documentation demonstrating the validity of the alleged debt, the ownership of the account, or the basis for the amount claimed.

Financial ServicesUnited StatesSource: Consumer Financial Protection Bureau

Anonymous

2 months agoPublic complaint

ENCORE CAPITAL GROUP INC.

Attempts to collect debt not owed: Debt collection

I am writing to formally demand that you immediately stop contacting me regarding the alleged debt you are attempting to collect. I dispute the validity of this debt, and I do not authorize any further calls, letters, emails, or other communication from your company. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to cease communication, you are legally obligated to comply. Continuing to contact me or report this alleged debt after this notice would be considered a willful violation of federal law.

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Financial ServicesUnited StatesSource: Consumer Financial Protection Bureau

Anonymous

2 months agoPublic complaint

ENCORE CAPITAL GROUP INC.

Took or threatened to take negative or legal action: Debt collection

The original debtor allegedly is for over $1000.00. They sent me a summons and I responded well within the time frame. Asking them to provide and fill out the chain of command letter. To which they never responded to me about. They also never filed anything with the courts and in my state, they have 10 days from serving me to actually file with the state I am in. They never did! They are not trying to serve me yet again because they didnt respond and let alone respond and provide me with the documents I requested. I have called the courts and asked for the case and judge information and they have nothing filed. Because midland are disgusting harassing roaches that are trying to destroy peoples lives. Midland are not the original creditors yet they harass and pressure and make threats to you and your livelyhood. They do not respond and provide documents to whom they are allegedy trying to sue and get a garnishment on. They expect people to not respond and put up a fight so they have full access to your paycheck and or bank account. They are thieves and inhumane.

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Financial ServicesUnited StatesSource: Consumer Financial Protection Bureau

ENCORE CAPITAL GROUP INC.

Reviews about ENCORE CAPITAL GROUP INC.

False statements or representation: Debt collection

Attempts to collect debt not owed: Debt collection

Attempts to collect debt not owed: Debt collection

Attempts to collect debt not owed: Debt collection

Written notification about debt: Debt collection

Attempts to collect debt not owed: Debt collection

Took or threatened to take negative or legal action: Debt collection