Consumer complaint received 2021-06-29
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I requested my recent credit reports from all 3 agencies ( XXXX, XXXX ) and I have a few accounts that I wanted to take care of. I contacted each one of the collection agencies listed on my credit reports ; Midland Funding, XXXX XXXX, XXXX. I made three payments to Midland Funding on XX/XX/XXXX, on a visa card ending in XXXX directly on their website after them refusing to work with me on payments or offering a payment plan that I could afford or remain committed to. I also informed them that some of the information was incorrect, dates, balances, and the fact the account was listed multiple times on my credit report with all three major credit bureaus. I moved onto the next collection agency XXXX XXXX-made a payment to them on a different card ending in XXXX, a Mastercard ; in no way are the cards connected in any way, two different banks, and two entirely different accounts, I have screenshots of the entire process, that shows the card last four numbers XXXX, the amount of the payment, the date, and a confirmation number for the card ending in XXXX. I have proof ( a screenshot ). I checked both payments online in my accounts and the payment made on the account ending in XXXX never reflected a payment being made to XXXX XXXX ever ; I called the bank and they stated there was never a pending charge on the card for any amount from the merchant XXXX XXXX at any time. I have all of the screenshots to show the card number used, the amount, and the website name as well. XXXX XXXX lied to me about the card information they were using, gave me false information online and on the phone ; they used the account information I gave to Midland Funding LLC ; Midland Funding shared my bank card information with XXXX XXXX without my permission and lied about it. Both companies denied it and called me a liar ; that what I was stating was not true and was false. I sent account statements, screenshots of payments, and the card numbers as well as the bank statement that showed a pending charge from XXXX XXXX  on an account that I did not give them permission to nor did I provided the card information to. XXXX XXXX is denying that they did this when they have been sent the information that shows a pending charge. Midalnd Funding LLC gave my bank card information to XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX stated to me over the phone after several hours and several phone calls that if there is a pending charge on a card that I did not give them information on nor did I give my permission for ; its not their fault that Midland Funding LLC shared my bank information with them without my permission. These two companies have lied to me and represented themselves dishineslty, They have both given me false information, been dishonest with me in their dealings, straight up lied to me about their actions. How am I supposed to trust these companies and pay my accounts off? 
XXXX XXXX  tried to manipulate me into taking financial accountability for an account that was XXXX for the company XXXX XXXX? First of all, it's well over 7 years and it's not mine. They refused to give me an account number nor was it ever listed on any of the credit reports I have received. 

I also know that Midland Funding LLC which is not the only name this company is under with the XXXX  or on this website ; this company has gone through several court proceedings and is currently paying fines as of XXXX. 
It does not appear as though the company has learned any lessons from its dishonest business practices as of XX/XX/XXXX. 

Thank you XXXX XXXX These are the two companies I am dealing with and have issues : MIDLAND FUNDING LLC ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation