Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX [ XXXX ] ( XXXX : XXXX ) XX/XX/XXXX Via CFPB Complaint Portal and Certified Mail To : [ Midland Credit Management ] ( XXXX XXXX XXXXXXXX? XXXX ) XXXX XXXX XXXX XXXX, MI XXXX RE : Account No. XXXX MCM Account No. XXXX Original Creditor : XXXX XXXX XXXX Subject : Second Complaint Continued Collection Activity After Cease-and-Desist, Harassment, Demand for Validation, Arbitration Election, and Demand for Damages To Whom It May Concern : I am submitting this second formal complaint regarding your continued collection activity after you expressly acknowledged my cease-and-desist request. On XX/XX/XXXX, through your CFPB response, Midland Credit Management acknowledged in writing that : > Per your request, the above-referenced account has been marked Cease and Desist. > > We will no longer contact you unless required by law. Despite this acknowledgment, I later received your Pre-Legal Notification letter threatening attorney review and possible litigation while simultaneously including payment solicitation language, account balance information, and a detachable payment coupon. Your communication went beyond a simple legally required notice and appeared designed to pressure and harass me into payment after my cease-and-desist request had already been acknowledged and processed. Your actions have caused emotional distress, XXXX, embarrassment, inconvenience, and continued harassment in violation of the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to 15 U.S.C. 1692c ( c ) and related provisions governing unfair and deceptive collection practices. Additionally, your correspondence failed to provide critical information and documentation, including but not limited to : * A complete chain of title proving ownership of the alleged debt; * A signed agreement bearing my signature establishing contractual liability to Midland Credit Management ; * Any contract or assignment specifically authorizing Midland Credit Management to collect in its own name; * Documentation establishing the amount claimed is accurate; * Itemization of interest, fees, penalties, or other charges; * Proof Midland Credit Management has standing to pursue litigation; * Documentation demonstrating compliance with all applicable federal and state collection laws. Accordingly, I dispute this alleged debt in its entirety and demand strict proof of all claims. I hereby request copies of the following documents : 1. The original signed credit agreement ; 2. The complete account statements from origination to charge-off ; 3. The complete purchase and assignment agreement transferring the alleged account to Midland Credit Management ; 4. The bill of sale and all schedules identifying my alleged account ; 5. The complete payment history ; 6. Any recordings, correspondence, or communications regarding this account ; 7. Proof that Midland Credit Management possesses authority to collect and/or litigate this alleged debt in Alabama ; 8. The name and address of the original creditor at the time of charge-off ; 9. Proof of the date of default and date of charge-off ; 10. Any affidavit, litigation package, or attorney review records associated with this account. Furthermore, pursuant to the arbitration provision contained within the original creditor agreement, I elect arbitration for any and all claims or disputes relating to this alleged account. Any attempt to initiate court proceedings without honoring the arbitration provision will be documented and raised as part of my defense and any counterclaims available under federal and state law. Due to your continued collection activity after acknowledging my cease-and-desist request, I demand : * Statutory damages in the amount of {$1000.00} pursuant to the FDCPA; * Punitive damages as allowed by applicable law ; * Compensation for emotional distress and harassment; * Any additional relief available under federal and state law. Be advised that : * I do not consent to telephone communications; * I do not consent to electronic communications; * Any further communication outside that permitted by law may constitute additional violations of the FDCPA. You are hereby instructed to preserve all records, audio recordings, correspondence, account notes, metadata, and internal communications relating to this account and my prior cease-and-desist request. Please provide all requested documentation in writing only. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation