Consumer complaint received 2015-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (GA)

This terrible collection agency Midland Credit MGMT INC and XXXX have collectively scammed me out of {$200.00} dollars and put a blemish on my credit report by creating an early termination fee for a service I never received. Back in XXXX if my memory serves me correctly I had a wireless internet card through XXXX. To make a long story short, this card worked the XXXX week I had it then it stopped working, however, I had already paid the monthly fee payment of {$60.00}. In XXXX of that year I took my computer and wireless card into the XXXX store on XXXX separate occasions within the XXXX month in which had card and the associates there could never could get this problem resolved. Fast forward to the end of the month I got a XXXX bill for a clearly useless wireless service which now wanted payment for the XXXX month of the initial payment plan. I refused to pay and instructed them to cancel my service on the XXXX day of my service but I was convinced by the rep to give them XXXX more chance. I was told that if they could n't fix the wireless card, I would receive credit to my account which would cover the monthly fee of sixty dollars that I had just paid. Like an idiot I kept the service however unbeknownst to me if I had canceled that day, I would avoided having been locked into a contract which, according to the rep, had an early termination clause. As I stated earlier, the XXXX rep made promises to me that they 'd get the wireless card to work with my new laptop and if not my account would be credited ( the rep stated he would notate my account ). 
XXXX weeks later, they still could not get the card working so I canceled my service and asked them to refund me my money. The rep on the phone said he had no notes of the credit and stated that I have to pay an early termination fee, I refused and explained this ongoing saga. So, in XXXX they sold the so called debt to Midland Credit MGMT and of course they contacted me and once again I had to explain my position to them yet they refused to see my perspective and just wanted the money. I refused this unjust payment for XXXX years but I finally paid the sum of {$80.00} in XXXX because I wanted to move forward and get my credit completely clear. Since I have paid this collection, I have called Midland service still arguing the invalidity of this collection. These people have no honor or spirit of fairness in my eyes and have therefore cheated me out of a total of {$200.00} dollars and my credit remains blemished. I never told about right to dispute by Midland agency it only after XXXX when started researching consumers that I found that had right dispute within first XXXX days collection agency. But be clear everything I did receive call from that collection agency I tell that I do not owe them money given circumstances of debt after who should have pay service never received? I am again trying with XXXX credit bureaus but not holding my breathe. The too seem to support collection agencies broadly no matter circumstances of which receive collection it money making business and consumers that actually have reason to fight collections in some cases still remain voiceless.