Consumer complaint received 2020-07-12
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Last XX/XX/XXXX was the last time that I told with Midland Credit, so the same day we have to do a complaint with the CFPB for one the account that we have with them ( complaint ID # XXXX ), and CFPB resent it to them, the same day on XX/XX/XXXX. Also, on XX/XX/XXXX they put in my credit report again that I owed {$23.00} to them, even they knowing that my wife told them the same day and XX/XX/XXXX that the check was for more amount that the payoff, that they also have to pay us the different, but they still don't want to find the copy of the check and see the account of the Bank to see that she was right, too difficult for them. Today, Sunday XX/XX/XXXX, seems that in an act of revenge, and very strange that they did it on a Sunday, this company, now with the name of Midland Funding, and with all the bad intention, and any excuse, wrote in my credit report " A Mayor Derogatory Status ''. This usually means that no payments have been made to a past-due account for 120 days or longer. In the last complaint that I mentioned, we added all the documents that we prove that we paid off XXXX XXXX, we asked for the money that they owed to us for the different of the check that we paid for more, and the letter of pay off. The other account that they have in my credit report we pay off in XX/XX/2020, with the same Company, and is for XXXX XXXX for {$340.00}. In fact, we received a check for them with a date of XX/XX/2020, as a different that we paid more again. 
In another hand, in my credit report they have these two accounts with a schedule in where you can see all the payments history reported for them. In summary, we pay off both accounts, they still keep them in my credit report, they don't send the letters of pay off, they didn't send me the different amount in my favor for my first complaint, and now as a damage badly my credit with a really bad intention they put in my credit record this serious mayor derogatory. It is illegal and unfair, just because I did my complaint, which is my right and true the last week, and they received it already. They do not want to correct all these disasters, just want to still do things wrong. Further, I am disappointing and worry about how this Company is doing all this, because affect me and the payments of the Original Creditors : XXXX and XXXX XXXX. We did in XXXX a loan to clean all our credits, and this Company just think in damage forever our credit, and no fix the big problems and economic disorders that they have in their accounts, and paid the original creditors on time, they are with the Mayor Disorganization Status in their financial NO me. If they put on XX/XX/XXXX that the account of XXXX was not paid, why today they put this " a mayor derogatory status '? if BOTH accounts are payoff? Is clear. revenge and but intentions. 
As well, seems to me, that this company has a serious economic problems, is not honest or something is going on in their departments, so I want to solution my credit reports and accounts to this problem and NO true statement in my credit report will be investigated. I would like to know if it is revenge for the company, the employees or both? The only what I know is that all this situation that we have not paid if FALSE, VERY WORRY and UNPROFESSIONAL. 
I added all the information that I see today in my credit report, support documents, as the check that we received of Midland Credit on XX/XX/2020 for the different that we paid off for more that the total amount that we owed, for XXXX XXXX for {$15.00}. Finally, I want an investigation of my two accounts, and clean immediately all in my credit report.

Company response to consumer: Closed with monetary relief