Consumer complaint received 2020-03-24
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Credit Management located at XXXX XXXX XXXX  XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX phone number is XXXX XXXX XXXX. I spoke with Midland Credit Management back in XX/XX/XXXX and advised I did not recognize this account. Provide proof so that I can try to settle the account. I advised I was unemployed and may have to file bankruptcy to reorganize my debts. But I don't recognize this bill. I would pay it if I could. 

XX/XX/XXXX, Midland Bank stated the account was included in a bankruptcy and only their bankruptcy department could handle the account. I advised them I hadn't filed a bankruptcy since XXXX. They transferred to me to their bankruptcy department. The bankruptcy department stated they couldn't help me because this account particular account wasn't included in a bankruptcy and the customer service department shouldn't have transferred me. Yet, they couldn't provide information either. This transferring back and forth went on for about 35 minutes until I asked for a supervisor. They kept transferring me and putting me on hold. I was then told I couldn't get verification regarding this account for a month, because of the Cornovirus. They were short staff. I kept insisting on speaking with a supervisor. A gentlemen name XXXX XXXX, identified himself as a supervisor. He advised me to call him back at XXXX on XXXX at XXXX XXXX XXXX x. XXXX and he would be able to provided information regarding this account on XX/XX/XXXX. 

I called back on XX/XX/XXXX @ XXXX. XXXX XXXX XXXX. a specialist for debt consumer support services. took over the call and tried to collect on a XXXX  account that was included in a XXXX chapter XXXX Bankruptcy. I advised the agent I wasn't paying on a XXXX  account that was included in a XXXX bankruptcy. I wanted to settle the account with XXXX XXXX   from XXXX that they keep calling me about. He said he didn't see an account with XXXX XXXX, just the XXXX account and he apologize for the mistake. He notices the account was included in a bankruptcy from XXXX. He transferred to back to the customer services department again. 

Midland credit has no idea what accounts they are collecting for. They have reported accounts on my credit report, that they can't even find or validate. I asked them to stop calling me, especially if you can't verify this account. I have gotten several different stories when I have called to try to pay this bill and it doesn't add up. 

XXXX XXXX identified himself as a supervisor and to call him back at XXXX XXXX XXXX x XXXX. Each time I attempt to call him back the phone number doesn't work. Each time I try to reach him, no one can connect us or knows who he is. YET HE IDENTIFIED HIMSELF AS A SUPERVISOR. 

I WOULD LIKE TO FILE A COMPLAINT AGAINST MIDLAND CREDIT MANAGEMENT. 

XXXX XXXX, account manager. stated Midland Bank can't find the sales receipt stating I own anything. He would send me the papers to dispute the account, yet they have reported it on my credit report.

Company response to consumer: Closed with explanation