Consumer complaint received 2021-02-15
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This correspondence is a notice of default with an opportunity to cure before I file suit depending on your response to this complaint. I have sent you an affidavit along with an invoice for several consumer rights violations under FDCPA for a federally protected consumer. I would like to clear this matter up out if court, if we cant reach an agreement I will file suit and you will be served immediately. 

I entered a consumer credit transaction using my open ended credit plan meaning, l, the holder of my social security card, a form of a credit card pursuant to 15 USC 1602 definition where I am both the creditor and the seller allowed The creditor to extend me my own credit from my open ended credit plan. I am the originator of all consumer credit transactions better known as the original creditor. I gave my credit to creditor to extend back to me making them a creditor/debtor. I entered a consumer credit transaction. 

I NEVER gave you or any other debt collector permission to send me a bill/statement through the mails trying to coerce payment and threatening me to report to cras or any other agency if I didn't pay this alleged debt. On record These are all alleged debts that I owe and Pursuant to 18 USC 8 I know All obligations of indebtedness are the obligation of the UNITED STATES. 

Two the contractual agreement your sending my collection bills/ statements for has already been paid with my open ended credit plan all correspondence from your company is fraudulent. PURSUANT TO 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

Third, It is Fact that an affidavit is pivitol in law do to the fact nothing ( in law ) has the power to cancel out override an affidavit except another affidavit which has rebutted the first, point for point. ( Rule 902 ( 1 ) ( A ) a seal purporting to be that of the United States ; any state, district, commonwealth, territory, or insular possession of the United States ; the former Panama Canal Zone ; the Trust Territory of the Pacific Islands ; a political subdivision of any of these entities ; or a department, agency, or officer of any entity named above ) Fact, your company has no right under federal law Rule 902 ( 1 ) ( A ) to self authenticate this document. 

After defaulting on my affidavit This is your opportunity to cure our of court. You will not be able to seek legal action against me. Because no lawyer was present to witness the transaction, if you where to try to seek action the lawyer would in fact be practicing here-say because they where no physical present when the alleged transaction occurred which is illegal. 

This is for all three affidavits I sent into your company each has an invoice attached if you chose to ignore them you will me meeting me in court.

Company response to consumer: Closed with explanation