Consumer complaint received 2019-03-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NY)

After receiving a Pre-Legal Notification dated XX/XX/XXXX and signed by XXXX XXXX, Division Manager, I asked for proof of this debt. This was given MCM account number : XXXX. I was never given proof of this debt. At the time of contact, I was informed by the representative that I was not entitled to receive proof of this debt and that if I did not start paying on this matter, Midland Credit Management would take me to court and have my wages garnished. After being bullied, I spoke to account manager XXXX XXXX on XX/XX/XXXX who told me I could make 45 payments at {$25.00} each month. 

Since that time, I have made the following payments : XX/XX/XXXX {$25.00}, XX/XX/XXXX {$25.00}, XX/XX/XXXX {$25.00}, XX/XX/XXXX {$25.00}, XX/XX/XXXX {$25.00}, XX/XX/XXXX {$25.00}, XX/XX/XXXX {$25.00}, XX/XX/XXXX {$25.00}. 

On XX/XX/XXXX, I received a letter in the mail telling me that my I qualified for a settlement. If I could not afford to take the settlement, I would have to call customer service and set up a payment plan with a minimum payment of {$50.00}. I called and spoke to a man, I believe his name was XXXX. I explained to this representative that I have not violated my payment plan and I wanted to stay with the current plan that I was on. He informed me that was not possible, and I have violated my payment plan by not making any payment in several months. I asked to be transferred to a supervisor and he told me No. He refused to transfer me to a supervisor. I became irate and yelled at him. He told me he was going to place a cease and desist on my account. I explained that I did not want a cease and desist placed on my account. He told me he was placing it anyways and hung up on me. I called back and asked for a supervisor and was given XXXX XXXX, a supervisor. He explained a cease and desist was placed on my account. I explained what had happened. He transferred me to a woman named XXXX who reviewed my account and removed the cease and desist. I was supposed to be transferred back to XXXX XXXX. Instead I was transferred to a non-supervisor named XXXX. 



I explained to XXXX what was going on with my account and he asked me to send in check numbers. I explained to him that if Midland Credit Management was going to terminate my current payment plan that I am current on, and not work with me, then I needed a letter stating that in case this went to court. XXXX refused to talk to me anymore and told me he was placing an attorney stipulation on my account. I explained that I had no attorney and did not want any stipulations put on my account. He did so anyways. I spent approximately two hours on the phone being transferred from person to person. 



Nobody at Midland Credit Management will talk to me now because of said stipulation. I was informed that the payment I sent XX/XX/XXXX ( check number XXXX ) would not be applied to my account because of this stipulation. I am enclosing copies of all seven checks that were credited to Midland Credit Management and cleared through my financial institution. 



Since Midland Credit Management is not willing to speak to me about this account and is refusing payments on the account effective XX/XX/XXXX, I would like a letter from Midland Credit Management stating that Midland is refusing to work with me on this account and therefore cancelling the remainder of this debt.