Consumer complaint received 2020-11-03
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hello, I have reported several times that I was a victim of identity theft my freshman year in college in XXXX the ending of my Fall and Summer semester. While on winter break from college before XXXX XXXX XXXX I received all kinds of letters about bounced checks written In Florida, Alabama and other places I had no acknowledgement of. One store in particular was XXXX XXXX XXXX XXXX of the many. I worked in high school instead of graduating a year early and saved up for college my XXXX and XXXX year. I banked with XXXX  XXXX. The account was in good standings and closed out before leaving off to college in XXXX, Florida XXXX XXXX  XXXX XXXX XXXX. XXXX, Florida didn't have a XXXX XXXXXXXX XXXX. When I returned to college after Winter break of XXXX, I did the police report. I was sent on a run around from XXXX police station on campus where I had cleaned out my on campus apartment before leaving the break of and reported among the belongings discarded were old checkbooks in an old wallet I had from high school. I had no health insurance during my freshman year, I had to use the on campus clinic free to students. I had no money or {$50.00} bill reported to the police in the wallet and I had no credit cards. Yet, when I reported the prior false garnishment of wages in XX/XX/XXXX which was sent to my job XXXX XXXX XXXX, I had to request the police report from XXXX. I was given the run around again. I was sent a police report which had inaccurate reporting which resulted in these present false garnishment of wages. Also due to the inaccurate and timely handling of my identity theft report in which I reported to all police authorities in XXXX when given the runaround back in XXXX as I attempted to handle the situation, I was told that there were warrants out for my XXXX  in later XXXX which resulted to me being falsely XXXX behind the bounce checks after I reported the issue to the police stations. I had to back then report it to my bank XXXX  XXXX and the bank did the investigation again, and cleared me. Those documents were provided to XXXX County Courts and the cases for the fraudulent checks were thrown out. Now due to a police report in which I never saw or received a copy of at the time of all this, I am being targeted and harassed within the last 2 years in my virtual workplaces with attempts to collect on credit cards I never owned. Obviously someone opened card cards in my name too with my personal information. The latest garnishment was sent today XX/XX/XXXX by mail for a XXXX credit card claiming I owed {$3000.00} from XXXX which is false. On top of an inaccurate police report which has caused more problems for me. New case of identity theft Case No # XXXX company Asset Acceptance L.L.C. sent to XXXX XXXX where I was harassed and targeted and didn't know anything about this garnishment that had been sent. Mailed out and served to me on XX/XX/XXXX and I received it by mail XX/XX/XXXX. I spoke with XXXX XXXX XXXX who opened a dispute and I was instructed to email her all information at XXXX XXXX XXXX. Phone number XXXX.

Company response to consumer: Closed with non-monetary relief