Consumer complaint received 2019-08-01
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On Friday XX/XX/2019 I submitted a complaint about the collection agency known as Midland Funding a.k.a Midland Credit Management a.k.a MCM. I poured my heart into my writing. Trying to give every minute detail to ensure my case could be resolved satisfactorily once and for all. I attached 3 pictures that I felt helped prove my case and all I have tried to do in my own limited power as an American consumer to resolve this. I even proofread it. But thanks to the sometimes savior spellcheck, AFTER I submitted my complaint I caught a few typos! And I thought it best to explain one of my digital uploads. Plus 3 days later I went to my mailbox and found YET ANOTHER LETTER FROM MCM, CLAIMING I STILL OWE {$2800.00}. 

In the same batch of mail, I have an updated credit report from XXXX XXXX listing the incorrect info was REMOVED from their report. But over at XXXX MCM is still reporting this account is OPEN and that NO PAYMENT has been made. Im still getting all kinds of mysterious calls. From area codes all over the U.S. Just like before when MCM would harass me, virtually NONSTOP. 

The picture I uploaded in my previous dispute with MCM of a fax transmission page, was just me supplying more proof. At one point the debt collectors @ MCM asked if I could prove I had enough money in my account or that my ACH payment to them had actually cleared my bank. Because they supposedly had no record of the payment on their end. And had no idea where my money went?!?! So I sent our agreements, plus a copy of my bank statement with the balance showing I had enough money on the day in question. Plus I circled and highlighted the payment that came out. 

Even after all I have done to right this wrong, MCM STILL wont give me any peace. First they bullied and harassed me. Called me incessantly. Flooded my mailbox with junk mail. Then they pretended to care and acted like they wanted to help me. Get a fair deal. So I trusted them. Paid them. We should be done with this fiasco! But they never honored their end of the deal. They tried reverting back to the orig amount. Claiming because I disputed the inaccurate facts they continued to report that our settlement arrangement was somehow voided?! Now they are STILL sending me collection notices ... more than 3 months AFTER I SETTLED MY DEBT WITH THEM. And tonight just as I was scanning their latest garbage letter, I just noticed at the bottom of the note this exact line : DUE TO THE AGE OF THIS DEBT, WE WILL NOT REPORT PAYMENT OR NON PAYMENT OF IT TO A CREDIT BUREAU?!?! Is that even legal?! I sincerely hope not. MCM is a terribly mismanaged and corrupt collection agency. They attack people like vultures. Once they have their nasty claws in you, they chew you right down to your marrow! There is no honesty, compassion, or truth that MCM wont distort to make a few bucks. Please dont let them get away with these ridiculously dishonest business practices. Maybe my 2 cases dont mean much in the bigger scheme of things. But just remember I am one person that MCM tried to completely derail. So how many other people are out their hurting. Trying to get by, pay bills ... but are getting absolutely bombarded by MCM. I truly feel like they just wing it. Regardless of what the law states. They have to be stopped.

Company response to consumer: Closed with explanation