Consumer complaint received 2016-02-28
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
In XXXX I lost my job because of an injury At my job I was paying a XXXX insurance ( XXXX insurance ) company XXXX that I was working if lost my job by any motive of illness or injury XXXX insurance will sent to me a check 66 % on my weekly paycheck. I send to them copy from XXXX form my doctor fill it up but the Insurance deny my claim even I although qualified with Doctor XXXX form did n't qualify my injury but if while working they collected money from the premium there if you qualify they like to receive but do not comply with the benefits. They began the credit cards called me and threatening me to get the payments or could n't send the payments because hardship time since that date they have harassed with threats to remove me from my house to put me on jail. I have fallen in a great XXXX since I lost my job and my husband has been sick most the time XXXX and admitted to the hospital XXXX many times. XXXX sent my debit to Midland Funding LLC and XXXX XXXX and XXXX and XXXX XXXX. law firm also works with this collection agency Midland Funding LLC also XXXX remove me from my house to put me on jail. I have fallen in a great XXXX since I lost my job and my husband has been sick most the time if I was not going to seek what was I own to them credit cards XXXX and XXXX .they were told me that if I had family here NJ or another State that request for money or also to a neighbor i need to asked for money to resolve the debts if not they could prosecute me and sue me, they told I need to do anything to get money and pay the debits to do anything to pay the debts and charges that they added to solve the issue of debt. In XXXX so I follow without work because my injury was serious my husband was still sick and to pay debts always received calls threatening me on my cellphone already XXXX that had no landline home phone ... Continued threatening me telling me that I had to do anything to pay the debt. Sent me with demands court papers so I answer but as I have been sick I have not been able to answer almost every day. My husband receives Social Security XXXX have saved money for their medications every month in XXXX XXXX Bank In here he receive his benefits payments. But XXXX with their sleight levy against my join account with my husband. My husband and I have accounts together where the he received benefits they took {$980.00} and the bank fee without return {$120.00} and they were at the XXXX XXXX XXXX took {$18.00} more {$81.00} with XXXX XXXX XXXX XXXX XXXX I called him several times that day knowledge He extract extracted from join account the money because no They did not report anything about it for nothing not received no notification only when already executed it ... I realized when check the account of my husband and on XXXX on the same day I was call Paralegal XXXX XXXX informed me a little information about it so I got XXXX XXXX XXXX than He works XXXX in XXXX XXXX information. But if I live in XXXX XXXX ... Why as an XXXX from XXXX XXXX did it I do not understand. I Call him the same day 3 times ... He call me back XXXX XXXX XXXX call me XXXX he explains me that I had which go to the Court to see if go to court to fill a form as soon as possible to recover the money. Since they are Social Security benefits. They left us with nothing in the Bank ... That money also was saving funeral. XXXX and XXXX ... engaged Midland Funding LLC and they have lawyers XXXX Address XXXX XXXX XXXX XXXX NJ XXXX phone XXXX They still are threatening me I 'm attach some documents. Also they 're damaging my credit bureaus reports in all XXXX agencies.

Company response to consumer: Closed with explanation