Consumer complaint received 2022-08-14
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX To whom it may concern : I would like to file a complaint against Midland Credit Management. 
Due to the XXXX XXXX XXXX XXXX, and the issues that I am still experiencing, it has taken me longer to deal with this matter. 

Midland Credit Management is manufacturing verification letters after the fact. 
I did not receive any of the letters that they are claiming to have sent in XXXX, I found out about them after looking at copies of my credit reports. 
This collection agency did not verify the debts that they have placed onto my credit files, prior to placing them. 

This collection company is claiming that I owe accounts with XXXX XXXX, and XXXX XXXX XXXX XXXX has falsified account information that they have passed onto Midland Credit Management, and Midland Credit Management has ran with the fraudulent information. 

XXXX has claimed that I had an account with XXXX that I opened in XXXX, and this is not true, The original account was opened around XXXX, paid off closed, and reopened again around XXXX, paid off again, And in XXXX I had filed several complaints with XXXX XXXX, CFPB, and XXXX, because XXXX had not given me credit for several merchandise shipments that I had returned, totaling hundreds of dollars, and XXXX was of no use in helping me to resolve the matter. 

I paid off the XXXX account several times, and they kept adding fraudulent fees to the account, claiming that it had not been paid off. 

The XXXX XXXX account, I have had no dealings with them since around XXXX of XXXX, and they owed me money. 
I was owed XXXX pairs of sandals that were backordered, and out of stock, as well as a pair of XXXX XXXX XXXX that their representative had messed up on the sale item on the order, and I was over charged. 

Due to issues with the orders the supervisor that I spoke to back then, was to send these items to me free of charge. 
Check with the representatives of XXXX XXXX if possible, they should be able to look up this account, XXXX  is going to lie, as they are doing on their statements. 

Back in XXXX of XXXX there should have been a refund to the account for over {$200.00} plus dollars for a shipment of XXXX dresses that arrived to my home damaged, due to the package arriving completely wet. 
XXXX XXXX should still be able to provide you with the photos of the package that I had sent to them. 
The account should have been showing a XXXX balance. 
Any charges on the XXXX XXXX account, are fraudulent fees, and charges, that XXXX has added to the account. 
XXXX had continued to add fraudulent usury charges, and fees to these accounts, as well as others, for months after XXXX of XXXX. 
I did not charge up these fraudulent balances as they are claiming. 
If you follow true statement information, you will plainly see that I had not been charging anything. 
XXXX ran up hundreds of dollars in usury fees, and charges that I am not responsible for. 
These fraudulent balances were maliciously ran up, due to the fact that I had complained about XXXX, and XXXX XXXX, to several agencies. 
I dont owe the balances that are being reported on my credit files, neither have I had anything to do with either, XXXX Bank XXXX nor XXXX XXXX since XXXX of XXXX. 

The account information that is being added to my credit files is not true, especially the made up account lies for XXXX. 



cc : State Attorney General cc : Federal Trade Commission

Company response to consumer: Closed with explanation