Consumer complaint received 12/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XXXX/XXXX/16 at XXXX, a male from Midland Credit Management ( MCM ) called my job, XXXX XXXX XXXX XXXX. He asked for XXXX and was transferred to another person with the same XXXX name. He disclosed the company that he was calling from and the reason for the call without verifying my ssn or dob. When asked for a callback number, he refused and instead just kept asking what was it that had got me to this place and why was I behind. XXXX hung up on him and gave me the # XXXX from the caller id on our phones. 
On XXXX/XXXX/16 at XXXX I called XXXX, after speaking with XXXX XXXX I spoke to a male and asked for a manager who. He transferred me to XXXX who transferred me to XXXX XXXX, a manager. I advised XXXX of what had transpired with the previous call with the lack of verification and disclosure to a 3rd party. He stated that this was in the past and that we needed to move forward, refusing to address this issue in any other way throughout the call. He stated that I had a balance with XXXX of {$6700.00} and I advised him that was incorrect. He stated the last payment information and I told him again that this amount was wrong. I offered to settle the account for {$1300.00} or {$1300.00}, the amount that I knew I owed. He said that was unacceptable and the settlement offer would be {$5400.00}. I said that he balance was wrong and I was not going to pay that balance. When he said I could do payments on the balance, I told him that I was not going to make payments on a balance that was incorrect. He kept asking why I was in this position and what happened. After not getting anywhere with him for 15 minutes on a resolution, I stated that I was verbally requesting verification of debt on the account. Once I received that I would move forward and contact them and then I terminated the call. 
On XXXX/XXXX/16 at XXXX I received a call at my job from MCM XXXX after I had already verbally requested verification of the debt on XXXX/XXXX/16. It was XXXX XXXX, XXXX ext XXXX. I advised him of my prior contact with MCM and that he was in violation of CFPB and FDCPA laws because I had not received the requested documentation. I requested removal of my poe # and that I did not want anymore phone calls there and ended the call. 
On XXXX/XXXX/16 or XXXX/XXXX/16 between XXXX and XXXX a call was placed to my job asking for me from MCM, XXXX. They were advised that I was not available and the call ended. 1 hour later XXXX XXXX, XXXX ext XXXX called. He asked for a manager and spoke with XXXX XXXX, who advised him that I could not receive personal calls at work and ended the call. 
In summary, I received notification of this debt on XXXX/XXXX/16 via mail and spoke with a manager on XXXX/XXXX/16 at XXXX by the name of XXXX XXXX XXXX I then verbally requested VOD, with a breakdown of the charges. I also informed him of the disclosure to a 3rd party regarding myself in the prior call. He refused to address the issue and would only state that that was in the past and we need to move forward. 
After XXXX/XXXX/16, I should not have received any communication from MCM until verification was sent out and received. I have a total of 15 calls to my cell XXXX, after XXXX/XXXX/16, with 4 calls on XXXX/XXXX/16 and XXXX/XXXX/16 each. Further, I received XXXX calls at my job after VOD was requested. On XXXX/XXXX/16 I advised MCM not to call my job again and received 2 more calls on XXXX/XXXX/16 or XXXX/XXXX/16. 
This company has harassed me since purchasing the debt from XXXX. There was a disclosure to a 3rd party, no verification of the debt sent or received, 15 calls to my cell phone XXXX after VOD requested, with 4 calls each on XXXX/XXXX/16 and XXXX/XXXX/16. There was 3 calls to my job after VOD requested, with XXXX coming after requesting no more poe calls. They also attempted to embarrass me by speaking with management.

Company response to consumer: Closed with non-monetary relief