Consumer complaint received 2015-12-03
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
To Whom It May Concern, please note this is my XXXX complaint in 2 months against Midland Credit for the same issue. My first complaint was disregarded as was my request to cease collection activities and further communications regarding debts alleged to be owed by me. Midland did not conduct an investigation of my complaint, but quickly responded and closed my complaint just to check off the box. Then to retaliate for filing a complaint in the first place, they had their law firm send me a robo-signed affidavit threatening a lawsuit on XXXX of the XXXX accounts they claim to be mine. They took some extra time to respond to my XXXX complaint, and acknowledged me and closed XXXX of the XXXX accounts ( the one that they had threatened suit after the first complaint ). Clearly, they recognized the wrongdoing of their actions. They also " recalled '' from their law firms, the other XXXX accounts that they claim are judgments against me and refused to close them. They claimed it was " out of their control '' and a " matter of public record '' and that they ( Midland ) would now collect on those accounts directly. I would like it known that I was never served with legal papers or given the chance to defend my position in court by Midland or Asset Acceptance. These are junk default judgments that Asset/Midland used to illegally confuse, intimidate and coheres me into paying. This seems to be standard operating procedure for this company. They even went as far as to suggest I call the police to report fraud, however I do not trust this debt collector and I refuse to subject myself to further mental anguish at their dirty hand. They took my meager homestead tax refund this year and as a result I was unable to pay my property taxes, which puts me at risk of losing my home and independence. My son and I have done our research on this company and see many lawsuits and sanctions against Midland for this type of unconscionable debt collection practices. I am confident that this is not out of their control, and demand that they close and vacate the XXXX judgments alleged to be against me, and cease all further collection attempts against me. I will continue to file complaints and dispute Midlands responses until all debts alleged against me are closed and removed/deleted/vacated from any association with my name/ss #. I pray that this gets resolved immediately, however if this continues to go unresolved, I ( with my son 's help ), intend to initiate a lawsuit against Midland, and take any other actions necessary to resolve this, including involving the XXXX Federal Trade Commission and the news media. Again, I am XXXX years old and in poor health with no income beyond my small monthly social security check. I have no recollection of these debts and do not have any money to pay them. I 'm a frail old woman and no match for this conglomerate. I would like very much like to put an end to this once and for all and pray that Midland does the right thing so I do n't have to burden my family to assist with legal expenses for a lawyer. Thank you again for your time.

Company response to consumer: Closed with explanation