Consumer complaint received 2022-03-05
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. (OH)

My name is XXXX XXXX have been affected my covid and been going thru a legal desperation moved in with my father and have fallen behind on my credit cards. My XXXX  XXXX was bought by midland credit. I would talk to them every month and get a settlement amount from them that was just too high and would let them know each month if my situation had changed. I finally was able to get help from a very close friend of the family who agreed to help me settle cuz I had helped him in the past. I explained that to midland and said please let me know what your best and final offer is and send me something in writing so then I can ssend to him and see if he could do. 
I spoke to a very nice person XXXX and she got my settlement amount down to XXXX told me that I would get an email confirming this and so that I can give to my friend to see if this was something he could do. I got the email and sent to him- he said he could do it. I tried to accept on line and had technical diff. Was told to call back and ask to speak with someone in the us and then ask for XXXX. In the meantime we lost our dad who was XXXX XXXX XXXX XXXX XXXX. Its been a very hard time for me. 
I did call back when I couldnt log in on XXXX of XXXX and asked to speak with manager XXXX I instead got to speak with a guy. XXXX expalied that I spoke with the manager XXXX and that we had a settlement for XXXX he said he saw that and would send me another letter and he said as long as I paid whats due in full by the XXXX of XXXX I would be okay ( all good ) I thought I gave him a routing and checking account number but, they said they didnt have it but, I did write it down in my notes I gave it anyways being that I was going through a lot it could have been an unintentional misunderstanding but, I was told as long as it was paid by XXXX XXXX Im all good. 
In the meantime please he friend that was supposed to help me informed me his dad passed and that he can do XXXX now but to see if he could get an extension for the {$390.00} So on the XXXX I called in and all the sudden was told that as of a couple days ago I was transferred to a diff Dept pre legal with midland- I explained what happened and they said now Im in a new Dept and they cant and wont honor that deal they first offered me a higher amount and then said they could offer me XXXX appx. I talked to XXXX and XXXX and they were nice but both couldnt honor the deal- I would have not know. I was in prelegal cuz I thought today they are taking the XXXX since its the XXXX and I only had called to see if I can get a small extention of the XXXX to find out that apparently my offer expired on the XXXX and what that guy had said is not going to be honored. I was super upset. XXXX told me they will upload the new offer good though the end of XXXX in the portal for me to take a look at and I had till the end of the month. I asked what do I need to do since this seems all to familiar just like what happ last time. She said Its good thru the end of XXXX. I tried to log in no offer was there and when I called back I could not get through for hours and then when they did transfer me to the us it disconnected. I really feel this has been unfair and I have been I. Contact and trying and I intensded to honor the first offer as I promiser but they would not take it and in turn sent me to lmtheir internal legal Dept threatening to send to local attorneys if I didnt take their XXXX offer this really isnt right. I feel that this should have been honored the XXXX of XXXX and even now the new offer is not even in the portal so this has been hopeless and Im really trying