Consumer complaint received 2021-04-23
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland Funding has a lien on my house in the State of Georgia Was filed with Attorney 's in The State of Georgia. 
Dates- XX/XX/XXXX, XX/XX/XXXX, Then after I contacted them about XX/XX/XXXX explaining I got a divorce, and the debt is in my X-husbands name, and wanted to clear it up. They re-filed early in XX/XX/XXXX. I called again about XX/XX/XXXX By then it transferred to a Company XXXX XXXX Midland Credit, Which in turn Transferred to a company in WA. State- Called XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX? XXXX. Which never notified X-husband. I had to contact them. Both companies have the same Ref # on the account. # XXXX And Apparently no legal paperwork. 
Called and did everything they wanted to be able to speak with me. Showed proof the property was in my name only ect. X-husband sent letter so I could pay the debt, negotiate, Correspond, and for them to notify me, call me.They assured me, I would get proof that the lien would be taken care of upon payment Then when ready to get a loan to pay this, he told me I could not send it Registered or Insured to a PO Box . Called and another worker said it was fine. 
# 1 What was the reason for the Release of Information to me, if I can't get any proof the lien will be satisfied upon payment, before I make the payment. See # 2 is why. 
# 2 After I sent the Cashiers check Insured I was informed they can not take the lien off the house because they are in the State of WA.and again, they will only send proof to X-husband and not me, ( who does not own the property ) and asked about satisfying the lien, the worker told me it will be sent to the state of Alaska. Apparently, they do not have copies of the court documents or records that it's in Georgia.. whatsoeverl The answer I got was X husband will be notified the debt was paid and they will notify Midland funding . Not to the point about the end result. Just script not knowing the legal background of the case. 

There is a 3 hr time difference and they call after XXXX BTW They talk in circles, And do not answer questions directly. 

# 3 Why was it transferred so many times, and how do I know these companies are actually Legit? I'm supposed to trust these people, and collecting these monies, by a judgement filed by real attorney 's XXXX XXXX  XXXX have nothing to do with the legal paperwork, their name is not on it.. Can't be.?? Was told they are not used to the legal side just debt collectors!!!! This is a legal matter Is this the reason Encore and Midland was sued in XXXX of XXXX? Just months before they started moving this. 
Was there a clerical error why it was moved from Georgia, a mistake what motives to move the account so many times? The original lawyers were XXXX XXXX  XXXX. They told me they don't have any documents including the case number Does anyone have a copy of the Court Records???? Most likely not. 
With the given facts and so many scams going on and the complaints here on this website, why in the world would I do such a thing? After the phone call telling me or not telling me about any satisfaction I cancelled the Check, until I get some kind of reassurance or at least deal with the original and real attorney 's, in the state it originated. 
This has cost me at least 2 months of stress and sleepless nights, which is not good for my health and it really is a hardship paying this in the first place will leave me {$500.00} a month to pay bills, for the next 30 months.

Company response to consumer: Closed with explanation