Consumer complaint received 2015-09-17
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
Midland Funding LLC took out a garnishment against me XX/XX/XXXX. I was not served the XXXX in XXXX until XXXX/XXXX/XXXX for a court date that was scheduled for XXXX/XXXX/XXXX. When I called Midland Funding LLC, I was told by XXXX, that I did not need to show up for the court date that they would non-suit the case and send me repayment options. I never received any communications from Midland Funding LLC regarding the repayment. On XXXX/XXXX/XXXX, I called and spoke to a few representitives at Midland Funding, only to be told that they had non-suited the garnishment order and that they had mailed me the repayment options. Nothing was recieved. I called again on XXXX/XXXX/XXXX, and was told the same thing. Once again, nothing received. On XXXX/XXXX/XXXX, I received a alert via a credit monitoring service that a judgement was issued. I contacted Midland Funding yet again. Spoke with XXXX, whom proceeded to tell me that " we would n't have have non-suited your judgement '' along with " stop being a XXXX deadbeat and pay your debts and this would n't happen ''. 

I then contacted the CFPB regarding this matter back on XXXX/XXXX/XXXX. Midland Funding removed the Judgement from one credit bureau ( not all of them as per they stated they did in the resolution ). I never recieved any communications from Midland Funding regarding the repayment yet again. Nor did I recieve any communications regarding the repayment from XXXX XXXX XXXX ( whom Midland Funding claims was processing the judgement ). When I attempted to contact XXXX XXXX on XXXX/XXXX/XXXX, I was placed on hold for XXXX minutes then hung up on. I called back seven times to the same result. On XXXX/XXXX/XXXX, after daily calling, I was finally able to get someone who stated that " You have two options, you pay us the entire amount or you will be sued ''. On XXXX/XXXX/XXXX, I managed to contact yet again. I explained to XXXX ( who I was told was handling my case ), that I did not receive any repayment information and that I was stated by Midland Credit that they were non-suiting the case. I got laughed at, then told " Oh well, that 's your fault ''. 

After filing my XXXX complaint here, I had the judgement removed from what I thought was all three bureaus, but instead was just XXXX ( both XXXX and XXXX still show the judgement ). Nothing was sent to me from Midland Funding LLC or XXXX XXXX XXXX. I had not heard anything from Midland Funding LLC or XXXX XXXX XXXX regarding the matter after the last follow up on XXXX/XXXX/XXXX from the CFPB. 

Now on XXXX/XXXX/XXXX, I received notification from my employer that I had a wage garnishment issued by Midland Funding on XXXX/XXXX/XXXX. I was never given any paperwork regarding the garnishment order other than a electronic copy of the garnishment issuance from my employer ( XXXX 's XXXX XXXX ). The garnishment was placed in effect on XXXX/XXXX/XXXX for the judgement issued back on XXXX/XXXX/XXXX. Almost two years after the initial ruling, and with XXXX contact from either Midland Funding LLC or XXXX XXXX XXXX in regards to the matter.

Company response to consumer: Closed with non-monetary relief