Consumer complaint received 2019-10-19
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Yesterday I called Midland Credit Management to talk about my accounts with them and try to find some type of resolution. I spoke with my account manager name XXXX XXXX. And I stated to him why I have not been able to pay because I have been ill for the past 4 years and diagnose with XXXX ( which I am experiencing related XXXX where I deal with XXXX XXXX and also XXXX, XXXX and other symptoms, XXXX XXXX XXXX XXXX XXXX ( which keeps me tired all the time ). I have been diagnosed with XXXX XXXX ( where I deal with severe XXXX, XXXX, XXXX, XXXX until the point I can't wear any pant unless they are elastic, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX that can last from 1 day to weeks where I am XXXX and not to mention that XXXX XXXX can lead to XXXX XXXX. I do not have a life cant exercise because of XXXX and XXXX and right now I can not work because any XXXX can trigger flare ups. I have XXXX XXXX XXXX ( Where I deal with XXXX XXXX   and XXXX XXXX XXXX XXXX, XXXX and XXXX also which is delibating. When asked him about their consumer Bills of Consumer rights on Financial hardship he first stated that he didnt know anything about it. So, I stated that it is on their website under Article 2. He then asked me if I have proof of all my illnesses and I stated yes. He then gave me a fax number, After that I asked him if I fax over my medical history and diagnoses will my information be protected because it is against the law to have my medical history just lying around. When I stated this everything went left with him because of this and then started finding ways of not helping me. So, I got upset and raised my voice and that is when he stated to me. YOU DONT SOUND SICK. I got very upset then. He is not a doctor. Tell me how do a person with all of my illnesses suppose to sound. A person with XXXX   XXXX  is not suppose to get upset because it triggers a flare up. How does a person with XXXX is suppose to sound? This is XXXX problem that keeps your XXXX   with XXXX XXXX XXXX, with XXXX. How does a person with XXXX XXXX XXXX is suppose to sound there some okay days without XXXX XXXX, XXXX, XXXX? Just because I am ill does not mean I can not get upset. He is not a doctor. Everything I stated can be proven and also just use XXXX. It states on their website Article 2 : Hardship Consumers Who Are Servicemembers, Victims of Natural Disasters, or Who Are Experiencing Medical Issues, Job Loss, or Other Hardships -We actively seek to identify active duty service members and stop collections from those servicemembers. 
-We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues. 
-We suspend collection activities when a consumer is a direct victim of a natural or other catastrophic disaster. 
-We cease collection activities when we receive documentation indicating that the consumers only source of income is from exempt sources, such as Social Security or Supplemental Security Income benefits, and that the consumer has access to no other assets. We work with and are sensitive to consumers who encounter unforeseen circumstances, such as job loss. They did not also state how long the hardships last. I just would like to know what to do about this.

Company response to consumer: Closed with explanation