Consumer complaint received 2022-09-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NY)

I, XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX received Postal Mail around XXXX XXXX. 
I open it and realized that it was from a Debt Collector XXXX, XXXX XXXX XXXXXXXX. 
The letter was dated XXXX, XXXX XXXX, and I only received it on the weekend of XXXX, XXXX XXXX. 

I immediately call XXXX and they were closed the weekend, I reached out again on the XXXX, XXXX and XXXX of XXXX and I spoke to Account Representative XXXX XXXX. 

I communicated to her, I just received the letter and I am responding because I just came back from XXXX XXXX from XXXX XXXX my sister Funeral. 

XXXX XXXX, threatened me that I was passed 10 days to respond. Even though I explain to her that I just received the letter from the P.O and I responded immediately, And if by " Argument sake " that the P.O delivered the letter on time, I still couldn't response because I had a Life Crisis death emergency that I am dealing with. 

XXXX. XXXX insisted in a Badgering demanding stern tone of voice it was my responsibilities to keep up with the payments or change of address. 

Which I was surprise told her, that my Payments are " Automatic process through my checking Bank Account which still the same from since I signed up on XXXX to present. 

A monthly fee of {$50.00}. was taken from my checking account every month, even during the World Crisis Pandemic and my bank was still paying my automatic payments and paying my bills so my Question to XXXX was? why you took a year and 28 days to send me a letter purposely knowing that I will received the Harassing letter after the 10 days noticed so I can Purposely Default as a consumer in convicting me that I have to pay the Original balance of {$9000.00}. I only owed as the letter stated {$550.00}. of an 18 years old Debt. 

XXXX XXXX answer the question that they XXXXXXXX XXXX XXXXXXXX was at fault because of an IT Computer Glitch on their end, kept on insisted in a Harassing 's Rude, nasty tone of voice yelping at me that I owed {$9000.00}. 

After we were not going no where! I asked for the Original Creditor information which was XXXX XXXX  and Midland Funding LLC bought over the original debt. 

I went to the Court House in XXXX XXXX XXXX, the next day in XXXX to file an Order to show Cause why I couldn't answer the Debt Collector letter of XXXX because it was sent late and I had a family member my sister died emergency. 

The Clerk check the computer and asked if that was the first noticed because she didn't see any filed in the court Records and I should work it out with Midland Funding I call Midland Funding LLC 5 times to work out, negotiate to pay off the balanced of the {$550.00}. and explained why and I tried calling XXXX XXXX XXXX 3 times after which they automatically hang up the phone on me knowing. that I am calling. 

The last represented of Midland Funding informed me the reason why XXXX not returning my phone calls is that I had to removed the " Legal Stipulation '' and they will call to work something out. That was a Business Lie... 

That was a misdirected information, false statements and misrepresentation if I removed my legal " Don't Call List number '' that XXXXXXXX XXXX XXXXXXXX will work something out. 

XXXX did not work nothing out but kept harassing me on the same tune by another Accounts Representative XXXXXXXX XXXX  phone number, XXXX ext XXXX. 

That's is Misleading misinformation and Misrepresentation I call Midland Funding to explained the situation and to speak to a manager XXXX XXXX whom I told that XXXX didn't work anything out after I was Convinced by them Midland Funding that they XXXX & XXXX will do so and now Both Companies are Finger Pointing and leaving me the Consumer very confused & XXXX. 

I believe Midland Funding, by giving up my phone number legally to give XXXX XXXX XXXX XXXX XXXX for the Debt negotiation with me but which I am caught in a " Stand Still currently They refused to Uphold to the Original Negotiation for the balance of $ XXXX as per Taped conversation twice that in Admission that it was their Fault because of a their Computer IT Glitch that Stop the Automatic Payments Agreement.