Encore Capital Group Debt Help

10,443

Consumer Issues

There are 10,443 issues about Encore Capital Group

99%

Acceptable Response Time

Encore Capital Group responded to 10422 consumer issues in a timely manner

1568

Issues so far in 2018

1568 issues through April 25th, 2019. There were 1508 consumer issues in 2017.

Encore Capital Group Debt collection

There are 10,443 consumer issues related to Debt collection

Last Updated: April 25th, 2019

If you are dealing with debt collection attempts from Encore Capital Group, it is helpful to research their strategies.

We have archived 10,443 consumer complaints against Encore Capital Group, as reported by the CFPB. It is important to remember that these complaints are not verified, although they provide great debt negotiation strategy insight by seeing how Encore Capital Group deals with collecting debt from other consumers.

Should you want to file a complaint or speak to a debt help counselor, we are here for you.

Attempts to collect debt not owed

4,183 Filings

  • Debt is not mine: 2,667
  • Debt was already discharged in bankruptcy: 147
  • Debt was paid: 871
  • Debt was result of identity theft: 498

Debt Verification

2,508 Filings

  • Communications failed to disclose attempt to collect a debt: 74
  • Not enough info provided to verify debt: 1,984
  • Right to dispute debt notice not received: 450

False statements or representation

870 Filings

  • Attempted to collect wrong amount: 728
  • Impersonated an attorney or official: 40
  • Impersonated attorney, law enforcement, or government official: 20
  • Indicated committed crime not paying: 24
  • Indicated shouldn't respond to lawsuit: 37
  • Indicated you were committing crime by not paying debt: 13
  • Told you not to respond to a lawsuit they filed against you: 8

Harrassing Communications

1,468 Filings

  • Called after sent written cease communications: 76
  • Called outside of 8am-9pm: 87
  • Frequent or repeated calls: 958
  • Threatened to take legal action: 172
  • Used obscene, profane, or other abusive language: 44
  • You told them to stop contacting you, but they keep trying: 131

Improper contact or info sharing

490 Filings

  • Contacted me after I asked not to: 154
  • Contacted me instead of my attorney: 13
  • Contacted my employer: 61
  • Talked to a third party about my debt: 262

Took or threatened negative or legal action

924 Filings

  • Collected or attempted to collect exempt funds: 81
  • Seized or attempted to seize my property: 69
  • Sued you in a state where you do not live or did not sign for the debt: 74
  • Sued you without properly notifying you of lawsuit: 233
  • Threatened arrest or jail if I do not pay: 49
  • Threatened or suggested your credit would be damaged: 107
  • Threatened to sue me for very old debt: 311

Encore Capital Group Debt Settlement

If you are experiencing financial hardship and are unable to make payments to Encore Capital Group, you may have the right to settle your debt for less than the full amount.

Encore Capital Group Debt Management

If you are experiencing financial hardship and burdened by fees and interest, you may qualify to enter your debt with Encore Capital Group into a debt management plan. The goal of a debt management plan, also known as credit counseling, is to repay the full amount with more beneficial terms to the consumer.

Debt collection / Credit card debt

for several months i have been trying to

for several months i have been trying to communicate with midland credit management, asking for verification and validation of an amount they say i owe of {$500.00}. not only did they fail to respond in the timeframe allowed by Fedreal Fair Credit Reporting Act. They have now sent the bill to my grandmothers house in XXXX, New York. I was born and

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Debt collection / Credit card debt

In XXXX of XXXX I pulled all 3 credit reports and

02/22/2019

In XXXX of XXXX I pulled all 3 credit reports and found Midland Funding, LLC was reporting a collection account. I disputed with all 3 credit bureaus and it came back as verified. I did not receive a dunning notice of alleged account from Midland Funding, LLC. I also was not notified within 30 days of placing negative information into my credit

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Debt collection / Payday loan debt

On XXXX XXXX2019 I received a voicemail from a

Encore Capital Group Took or threatened negative or legal action / Threatened arrest or jail if I do not pay

02/22/2019

On XXXX XXXX2019 I received a voicemail from a debt collector saying that my husband was going to have legal action pursued against him for an old debt. The caller claimed that he would be taken to court for theft of service and theft by deception. I called the number back and spoke with someone who was kind and I ended up paying them {$50.00} on

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Debt collection / Credit card debt

XXXX, XXXX XXXX. And the appointed Fiduciary XXXX

Encore Capital Group Took or threatened negative or legal action / Sued you without properly notifying you of lawsuit

02/22/2019

XXXX, XXXX XXXX. And the appointed Fiduciary XXXX XXXX XXXX, are in violation of the consent order.The appointed Fiduciary XXXX XXXX XXXX, received a NOTICE OF DISPUTE AND A NOTICE OF FIDUCIAY RESPONSIBILITY PRODUCTION OF TRUST INDENTURE on or about the XXXX day of XXXX XXXX.On or about XX/XX/2018 i received a letter from Mr. XXXX XXXX , Midland

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Debt collection / Unknown

Midland Funding put collection on my credit

02/21/2019

Midland Funding put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g

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Debt collection / Credit card debt

Both XXXX XXXX and Midland Credit Management were

Encore Capital Group Took or threatened negative or legal action / Threatened to sue me for very old debt

02/19/2019

Both XXXX XXXX and Midland Credit Management were both actively collecting on the same two duplicate accounts ( they all have different amounts owed listed ) at the same time. I have asked Midland Credit for proof of the debt/ownership and have yet to receive it, yet they still have had time to send me threatening mail and call me continuously. On

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Debt collection / Credit card debt

I XXXX XXXX have made several requests for proof

02/19/2019

I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This

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Debt collection / Credit card debt

During my process, I set up a payment with XXXX

Encore Capital Group Took or threatened negative or legal action / Threatened to sue me for very old debt

02/19/2019

During my process, I set up a payment with XXXX XXXX and the agreement was to remove it from my credit report after I pay off the debt. I paid off the debt and next thing you know I have a judgement letter in my mailbox. The judgement has been requested to remove it off my credit report since they ( XXXX ) had proof that I had paid off the debt

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Debt collection / Credit card debt

This is in regard of Complaint # XXXX. I had

02/18/2019

This is in regard of Complaint # XXXX. I had originally filed a complaint with you on XX/XX/XXXX about the practices of XXXX XXXX , XXXX. On XX/XX/XXXX they had started the garnishment of my wages, without my being informed of any such action. I went to court to ask for a Head of Household Exemption, but was denied. I also tried to express to the

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