Consumer complaint received 2022-02-14
Company: ENCORE CAPITAL GROUP INC.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
RE : CFPB XXXX, XXXX, XXXX, XXXX, XXXX, & XXXX First, update your records to reflect that I have not retained council yet. I will retain an attorney when deemed necessary. I am stacking evidence at this point, and both XXXX and MCM have provided a lot XXXX 

Second, evidence supporting the fact that XXXXXXXX XXXX  did not investigate the above referenced account can be found in Consumer Financial Protection Bureau ( CFPB ) complaint ID XXXX. The attached document is titled XXXX - XXXX XXXX XXXX. In it, XXXX claims res ipsa loquitur by stating, we are unable to resolve the charge ( s ) in dispute from XXXX XXXX because you provided your information to the merchant. Affirming the seller was paid is by no means an investigation. In fact, it is gross negligence that oversimplifies and ignores the fact that the seller lied about their location and that the mask sold is not N95 compliant as advertised. The mask came from XXXX XXXX, and its vented, so I cant even be worn on an airplane ; never mind, being N95 compliant. Pictures of the mask can be seen in CFPB complaint ID XXXX. The images are titled XXXX XXXX & XXXX XXXX. 

Evidence showing the sellers website was taken down for fraud was presented in CFPB in complaint ID XXXX. The attached document is titled XXXX XXXX search results XXXX XXXX  Whats more, complaints reflecting my own in regards to XXXX were presented in CFPB complaint ID XXXX as well. The sites presented were as follows : 1. XXXX XXXX XXXX 2. XXXX XXXX /XXXX 3. XXXX XXXX XXXX Third, define seller. Because the seller Im referring to is the scam artist responsible for the underlying charge, addicttee.com, not the scam artists at XXXXXXXX XXXX XXXX XXXX is the group of scam artists that sold MCM this fraudulent account after running up all the fraudulent interest on the underlying fraudulent charge from XXXX. And, once again, just to be clear, there were no findings. Claiming res ipsa loquitur while only confirming information supporting your bias is by no means an investigation. Its, at best, willful ignorance, and in the real world we call it fraud. So, if MCM purchased this fraudulent account from the seller, XXXX, with all its rights, it logically follows that MCM purchased this fraudulent account with all its liabilities as well. So, all the fraudulent interest accrued on this fraudulent account by the intermediate scam artists at XXXX is thereby unlawful as well. 

Whats more, I contacted XXXX via both email and telephone prior to filing the claim with XXXX XXXX, but the sellers email was shutdown when the website was shutdown, and I was only able to speak to the XXXX staff once via the telephone number provided. They told me to return the mask to XXXX, so I told them to provide a call tag. But they refused and hung-up, and I havent been able to reach them since. This was all presented in CFPB complaint ID XXXX as well via an attachment titled XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I submitted hardcopies of my email correspondence with XXXX to XXXX as well prior to XXXX opening the XXXX XXXX XXXX portal. You should have received the hardcopies with my file when you bought this junk account from XXXX. But, let me guess, they were conveniently never sent. Imagine that. 

Forth, stop sidestepping the issue. There is no police report. The seller is in XXXX. The only logical recourse was, one, to request a refund from the XXXX. Or, two, have XXXX withhold funds until a call tag was provided. But XXXX refused to withhold the funds, so they could charge interest on the fraudulent charge ; in an effort to, generate a profit before writing the account off on their taxes as a loss. They then sold the account to MCM for even more than what the original underlying charge is. 

So, once again, just to be clear, addicttee.com was taken down for multiple reported cases of fraud, including, my own. XXXX committed multiple acts of fraud by ignoring all the evidence and reinstating the fraudulent charge from XXXX so XXXX could fraudulently charge interest on this account before fraudulently writing it off on their taxes then fraudulently selling it to MCM at a profit. And, MCM is committing fraud by ignoring all the evidence presented while furthering the scam for the same reason, fraud for profit at my expense.

Fifth, the account still reads as being Charged Off with the fraudulent amount of {$430.00}. Ive attached copies of my and XXXX, XXXX, and XXXX reports to prove this. These reports need to be remedied immediately because they do not reflect reality and it is negatively affecting my credit. Whats more, the account was reported as being 30, 90, etc. days late as well, and my credit score has not recovered since those fraudulent reports, despite it being the only ding on my credit since then. This needs to be remedied immediately as well. 

In closing, quash this fraudulent account, make the required amendments to credit reporting agencies, and report XXXX  to the FTC for their fraudulent behavior. Ive had enough.

Company response to consumer: Closed with explanation