Consumer complaint received 2019-10-01
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX, I was sued in a civil case by XXXX XXXX XXXX XXXX on behalf of Midland Funding LLC in the State of XXXX where I resided in the amount of {$2200.00}. In XXXX of XXXX, Both XXXX XXXX XXXX XXXX and I came to an agreement of me paying {$75.00} a month. In XXXX of XXXX, XXXX from XXXX XXXX XXXX sent a Quartely Ledger which shows my payments from XX/XX/XXXX to XX/XX/XXXX. Which I paid each month on time. In XXXX of XXXX I moved to the State of XXXX, In XXXX of XXXX after making a payment and discuss negotiation pay-off {$1400.00} with Representative XXXX of XXXX XXXX XXXX at this point informed me that they would have to close the case since I no longer reside in XXXX which means my case would return back to original creditor Midland Funding LLC. 

In early XX/XX/XXXX I made a phone call to determine account balance and negotiation of payoff. I was informed by a male Rep, that they just received my information and for me to call back in a week or so. A week later around XX/XX/XXXX I called and asked about my account again. I was informed by a male rep, they are still working on my file and have not got payments or account setup yet and will be working on it. I would receive a letter with all information from Midland Funding regarding my account. I also verified my mailing address which the male rep stated they had on file. I informed them I needed to speak with a rep to make payments and negotiate a payoff. I was told not to worry and wait until I get a letter in the mail. As they can't take payment since I have no account setup. 

On XX/XX/XXXX I mailed a certified letter regarding closed account from XXXX XXXX XXXX XXXX XXXX XXXX I also enclosed a payment of {$20.00} which I insisted of a payment plan since I have not received a letter from Midland Funding, XXXX on my account being returned to them, new account number, or blance. 

As of today XX/XX/XXXX, I called at XXXX to speak with them regarding my account once again. I male Rep, ( I did not get his name ), asked me for the account number which I gave him and informed him the account was closed from a previous agency XXXX XXXX XXXX, XXXX. They male Rep asked for my Full SSN, which I told him I did not want to provide. He then asked for my phone number which I provided and asked for my full name which was given. He then states, if he could not determine who I was he could not tell me about the account. Then he goes into his spill of this call is to collect a debt. I informed the rep, well you have my phone number and name and if you dont have an account setup can I provide you with my address? He breathe heavy in the phone and said, can you give me the last four of your SSN. I told him, I would rather not and did he locate me by my phone number. He then said, the was going to put me on hold. 

He never came back on the line and the call went to an option to leave a message. 
I called back at XXXX I got the regular options, then the phone went silence and then it went back to the option to leave the voicemail. 

XX/XX/XXXX '' At XXXX I made a call to XXXX with XXXX XXXX XXXX XXXX request a ledger with all payments made by me and document of closure notice. Midland Funding, LLC has not worked in good faith to provide me a letter with new account information, balance or statement of account being returned to them, and the process I need to take to make payments. 

XX/XX/XXXX : At XXXX XXXX from XXXX XXXX XXXX called me and stated, '' I can't provided you any records of your payments becuase the file is close and has been sent back to Midland Funding , LLC. There is nothing I can do on my end about your rest because they are not in XXXX ''.

Company response to consumer: Closed with explanation