Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am submitting this complaint against Midland Credit Management , Inc. ( MCM ) and its parent company, Encore Capital Group , Inc., regarding deceptive and abusive conduct connected to ongoing collection activity and pending litigation involving disputed alleged accounts ( MCM Account Number : XXXX & MCM Account Number : XXXX ) On XX/XX/year>, I contacted MCM at ( XXXX ) XXXX using the telephone number listed on MCMs court filing. My purpose for calling was not to discuss the alleged debt, but solely to provide logistical instructions to facilitate lawful service of process at my residence. I reside in a gated community with a virtual guard/call-box system. During the recorded call, I explained to MCMs representative that any process server attempting service should either search my name within the gate directory or call my phone number to obtain an access code if they were unable to locate my entry. I made a proactive, good-faith effort to prevent unnecessary delays or inaccurate claims that I was avoiding service. Instead of documenting or relaying the access instructions, MCMs representative stated, Sir, well do whats required by law. Thats what well do, while directing me to coordinate with the court regarding service. MCM later admitted this XX/XX/year>, call occurred in its response to CFPB Complaint No. XXXX dated XX/XX/year>. Despite my proactive effort to facilitate access, a VERIFIED RETURN OF NON-SERVICE was later filed on XX/XX/year>, by Special Process Server XXXX XXXX. The comments contained within that filing alleging attempted contact through my communitys virtual guard system are materially false. After reviewing my virtual guard application logs, mobile phone records, and related system history, there are XXXX documented missed calls, visitor attempts, or virtual guard entries corresponding to the alleged attempts referenced in the filing. I have instructed both my cell phone provider and my HOA/community management to preserve all incoming call logs, access records, and related system data for the relevant dates. This conduct is particularly concerning because MCM was already aware of the proper access procedure directly from me during the XX/XX/year>, recorded call. The subsequent filing of inaccurate non-service claims creates the appearance that MCM and/or its agents XXXX be attempting to manufacture failed service attempts in order to : Inflate collection-related litigation costs ; Create a false record implying evasion of service ; Pressure or harass a consumer through procedural abuse ; and/or Circumvent proper legal service procedures. Additionally, these actions are occurring in connection with disputed alleged accounts for which I have previously requested accurate validation and documentation. While I understand that MCM XXXX lawfully pursue service of process through the courts, I am concerned that inaccurate or misleading representations regarding alleged service attempts are being used in connection with ongoing collection litigation activity.

Company response to consumer: Closed with explanation