Consumer complaint received 2017-05-31
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
First of all, I was never served back in  XXXX  and had no knowledge of any court proceedings or this judgement until  XXXX   XXXX  when I went to refinance my home.     Upon knowledge, I reached out to settle the debt and offered $  XXXX - an amount that the Rep said she would need to get approved. At the same time I made a comment about not being served and how it would be impossible for them to not know where I was at because I banked or had banked at  XXXX   XXXX .     When I called back to check the status of my offer I was told it was denied, but there were things going on in my account and they would not be able to take an further offers.     One week later when I called back I learned that they may not have even submitted my offer for approval, but on the same day that I made an offer ( or the day after ) they petitioned the court to garnish any account (  s  ) I had at  XXXX   XXXX  and charged my account an additional {$200.00} in fees - because I mentioned I banked at  XXXX ,. They ended up garnishing ( seizing  ) a  safety deposit box that my grandmother owns and that my name is on, in the event she were to pass.     I ended up settling the account for {$1200.00} on  XX/XX/XXXX . I received a letter date  XX/XX/XXXX  from  XXXX   XXXX , confirming payment and on  XX/XX/XXXX  a letter stating that if the anticipated payment went thru that this account would be settled.     Around  XX/XX/XXXX - I learned that  XXXX  still had my grandmothers safety deposit box at  XXXX  seized and refused her access to her property. My grandmother had to hire an attorney to figure this out. In the meantime, I contacted  XXXX   XXXX  and they said they would look into it. It is my understanding as of today, that safety deposit box was finally released abou t 2- 3 we eks ago.     I am attempting to readdress and have reapplied to refinance my home. While is was gathering paperwork to show the debt is settled, I learned that  XXXX   XXXX  still has not filed a satisfaction of judgement with the courts and today when I called,  XXXX  refused to allow me to speak with the attorney on file, stating because I am not an attorney I have no rights to speak to the attorney- even though I am represented by myself and no other attorney. She also hung up on me several times and only stated that she 's passed the issue on to another department to handle. I asked to speak to her supervisor and on both occasions hung up. I have these phone conversations recorded if needed.     In  XXXX   XXXX , I enter into the agreement to settle my account for {$1200.00} and in return was supposed to be relieved of any future obligation or reprimand from this past debt. The account was supposed to be settled at the time my payment cleared. The payment cleared my bank on  XX/XX/XXXX  and 60+ days later should be ample and sufficient time to have filed all proper paperwork. I kept my end of this agreement and paid the amount they agreed to accept, now the attorneys office needs to keep their end of the agreement and show that this debt is satisfied.     The fact that this debt is not settled is effecting my credit and my ability to improve my financial position by lowering my house payment. I would like  XXXX   XXXX  to send me a copy of the satisfaction of judgement for case number  XXXX  filed with the  XXXX   XXXX   Justice Court immediately, so I may proceed with my home refinance and so I may not incur any additional financial losse s.

Company response to consumer: Closed with explanation