Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have been attempting to settle a debt with Midland Funding, LLC for nearly two months now. I contacted Midland Funding, LLC onXX/XX/19 in regards to my debt in attempts to settle with them, and they told me that they were no longer servicing the debt, and proceeded to direct me to a company called XXXX XXXX. I contacted XXXX XXXX on that very same day and spoke with an employee named XXXX XXXX. She proceeded to tell me that they were no longer servicing the debt, and that I would need to contact XXXX XXXX. On XX/XX/19 I contacted XXXX XXXX  and spoke to a male employee whom I did not record his name. He told me that it would take him at least a week to have an answer for me as to what was "going on" with my account. He told me to call back sometime after "a week or so" and they would have an answer for me. On XX/XX/2019 I contacted XXXX XXXXk and spoke with a female employee by the name of XXXX XXXX She proceeded to tell me that the debt was sold back to Midland Funding, LLC and that they were who I needed to speak to to resolve the debt. I called Midland Funding, LLC again on this day,XX/XX/2019 in an attempt to settle the debt. Again, I was told that I needed to call XXXX XXXX, that they were not servicing the debt any longer. They also told me I could call XXXX XXXX XXXX to see if they were in control of the debt at this point. I contacted the XXXX XXXX XXXX  customer service number that Midland Funding, LLC provided me on XX/XX/19 and was told that they were no longer handling the account and that it would have to be resolved through Midland Funding, LLC. On XX/XX/19 I attempted to call Midland Funding, LLC again, to settle the debt with them. And again, I was redirected to XXXX XXXX as I was told they were no longer servicing the debt. I contacted XXXX XXXX again onXX/XX/19 and again was told that they were no longer servicing the debt and that I would have to contact XXXX XXXX. So, I contacted XXXX XXXX again onXX/XX/2019and was told that it was settled through their company and listed as "closed" as the debt was "out of footprint" and that XXXX XXXX could not handle the debt because of the fact that I reside in Pennsylvania, a state that they don't practice in. The employee told me that the debt had "for sure" been sold back to Midland Funding, LLC and would have to be settled through Midland Funding, LLC. The amount to be settled to the best of my knowledge is now XXXX I contacted Midland Funding, LLC again on XX/XX/19, explained all of the events that had taken place on trying to pay the debt, and they were still unable to resolve the issue for me and continued again to try and redirect me to XXXX XXXX. I asked to speak to a supervisor at this point on XX/XX/19. The supervisor took my phone number and my email address and told me I would be contacted within 1 day with an answer as to why I couldn't settle this debt through Midland Funding, LLC and who I needed to contact to pay it, and I never received either. No phone call and no email. I checked my credit reporting applications, and Midland Funding, LLC is the company that continues to report negatively (derogatory) on my credit report each month. It is causing me XXXX hardship and it is holding me back in prospering in life. I am working very diligently in attempts to repair my credit health and to place it on the correct path, and this company continues to negatively report to the credit bureau's when I have tried repeatedly, on numerous occasions, to settle this debt with no success. I don't feel that they should legally have the right to continue reporting derogatory against my credit when they offer no answers as to how the account is to be settled. All I have tried to do for nearly two months is settle the debt. The company reporting negatively against me is totally unable to answer any of my questions, and will not offer any solutions about how to get this settled so that it doesn't have a negative impact on my credit score anymore as I move forward with life. I have spent hours upon hours waiting on hold through endless phone calls in attempts to contact these companies and settle my debt, only to receive no answers as to how to settle my debt. I want Midland Funding, LLC to IMMEDIATELY stop reporting derogatory on my credit report until they can actually allow me to settle the debt. This is beyond ridiculous.

Company response to consumer: Closed with non-monetary relief