Consumer complaint received 2015-05-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have a collecton company illegally and in fraud ( Asset Acceptance LLC, XXXX XXXX XXXX XXXX XXXX XXXX for last 6 yrs ( signature debt expires in 4years in XXXX-but i had a loan from XXXX finannce for a large amount signture loan no collateral- like revolving signature loan- the loan had insurance to payoff balance owed in case I lost my job which in effect occured-they collected the insurance_I had paid {$12000.00} in insurance premiums over a two-three years that I had the loan. At the time I lost my job the balance owed and covered by insurance was about {$6200.00} which they collected the insurance after they had me fill a formal claim for thir own insurance ( XXXX itsef was the insurer ) signed and claimed local XXXX office XXXX XXXX ( office closed about 5 years ago they did not credit the account correctly because we had dispute because they required that I go personally to a local XXXX State unemployment office to have the unemployment office issue a letter-The XXXX Syate unemployment bureau had closed all offices and did not issue or have any means for people to have a letter issued tothe effect XXXX required and who alreadypocketed the insurance money and set off the balance due. i had not contracted that I had to go to a local unemploymeny office that had been closed and tryto produce any document as condition to have them apply the insurance proceeds to the balance owed of XXXX from an original loan amount of $ XXXX no contract to that effect or anyother with XXXX or XXXX-the insurance stated that if I was incapacitated or that if I lost job balencae would be paid- while the dispute was ongoing they sold the account to a third party who in turn sold it to a the above XXXX collection agency Asset Acceptnce LLC based in XXXX XXXX- who have been hounding me for last 6 years- way over the statute of limitations for The State of XXXX for signatur loans and trying to collect a debt that was paid off by insurance to XXXX_ I have sent them a few certified letters to effect thatI did not contract anything with them ( Asset Acceptance LLC and thatI had no debt with them and that they produce under UCC or contract law evidence of my debt with them in way of a contract or other negotiable instrument that I may have signed in their favor-they did not produce any documents-I gave them opportunity to come up with evidence or else underStatute of frauds they owed me the amount claimed as required by UCC or else under staute -my house has been vandalized and dociuments I may not have but I may have an old compuer fil with copy of a couple of the letters sent to them- The collection agency has continued to send a letter about XXXX every two years -which I believe is also illegal since I owe them nothing and they have accrued the balance to XXXX which I dont owe-i have sent letters to credit bureau in XXXX, experian notifying thm of this and they have etc and no reply and no resolution I need this to be resolved - i will at ths moment remind this agency that I did not take loan withtham and that I paid off the balance of XXXX from {$42000.00} to a balance of {$6200.00} and that thats small balance was paid by the " unemploymnt '' insurance XXXX finance forced me to have as a condition for the loan- I owe nothing then and owe nothing now The collection agency is Asset XXXX XXXX Michigan they dont show an address on their letterhead just a XXXX XXXX XXXX XXXX toll free [ hone number ( XXXX ) XXXX ext XXXX i never had account with this entity and they have created an accoutn infraud number XXXX I have never signed or consented tacitally or explicitly toany oral or written contract either to effect that I owe them anything thanks for Your help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation