Consumer complaint received 2018-09-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

Hello, I have a debt collection under my credit report reporting by XXXX XXXX ( account no. XXXX and XXXX and XXXX firm No. XXXX ). This use to be a XXXX XXXX  card. A month after I received my credit card, I lost my card or misplaced it. A charge in the amount of XXXX or more I think was done and soon after I contacted the credit card company. They took notes and stated they would contact me soon after. I never received a call. Time after time I write to XXXX XXXX as well as XXXX XXXX and they continue to report on my credit report. Currently, my credit report shows " XXXXXXXX XXXX ; Account information disputed by consumer ; and yet again Consumer disputed this information ''. It clearly communicates in my credit report that I am disputing and have been disputing this debt. I did not make the charges on my card, ever, and yet it continues to be charged. I have not received any letters from the Creditor providing my signature on documents etc of where I charged this debt. Now, the account is being collected by a law firm by the name of " XXXX XXXX XXXX '' out of XXXX, TX. I called XXXX XXXX today on XX/XX/18 to advise once again of my dispute on the account and I was told that the debt was now being collected by XXXX XXXX XXXX at XXXX. I contacted the firm and spoke with a supervisor by the name of XXXX XXXX. I address with Mrs. XXXX my issue with the debt being charged on my credit card and me not being the responsible party of this debt. I stated that for years now, I have been contacting the bank ( XXXXXXXX XXXX and XXXX XXXX ) and she mentioned that my account did NOT come over with any notes and they were collecting this debt. I stated, how can you collect on this debt, yet not have any documentation as to the times I have called. I stated, why does my credit report clearly state that " Consumer is disputing this debt '' and yet she has not documentation. I stated why are you collecting on an account that you do not have any information on. She stated that the account did not come over with this and that they would reach out to XXXX XXXX for this information. That was really upsetting knowing that they don't even have documentation on this, only terms and conditions, no signature, no original signature as I requested for the charges. I stated I did not make these charges on this account and I am not responsible for this debt. I was then told that I would have to YET AGAIN write another letter, now the firm of XXXX XXXX XXXX and let them know that I am not responsible for this debt. I stated to her that per the Fair Debt Collection Practice Act I was to be informed of my debt, along with the charges, and the disputes made. She told me that she did not have that information and I would have to write another letter. It is unfair practice that this firm is attempting to collect a debt that is not mine. I am asking that this XXXX XXXX and the firm of XXXX XXXX XXXX be reported for falsely trying to collect on a debt. The firm does not even have my documentation, notes, phone calls etc that I have made to the debt collectors. They told me to write a letter to them, they have just started working this account since XX/XX/2018. I ask that you please assist me. This firm is trying to collect on a debt they can not prove that this was my charges and further more have any documentation whatsoever as to all my calls to XXXXXXXX XXXX and XXXX XXXX.