Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I am writing to file a formal complaint against Midland Credit Management regarding their debt collection practices, which violates the Fair Debt Collection Practices Act ( FDCPA ). It has come to my attention that Midland Credit Management has engaged in illegal and harassing practices in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g.. On XX/XX/year> ( attached ) I received an email from Midland Credit Management , alleging that I owed a balance of {$740.00} and {$1500.00} totaling {$2300.00}. I immediately contacted them to dispute the debt and requested validation of the alleged debt. Subsequently, on XX/XX/year>, I sent a certified letter ( copy attached ) to their address at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX, requesting validation of the debt in accordance with the FDCPA. The certified letter was delivered on XX/XX/year>, as confirmed by the tracking information provided by the postal service. However, I did not receive validation from Midland Credit Management. Despite this, on XXXX I received a phone call from Midland Credit Management, continuing their efforts to collect the alleged debt without providing the requested validation ; on that day I informed them to cease communication until request is honored, or I'll charge {$100.00} per violation. Since XX/XX/year> Midland Credit Management have called 4 ( four ) times ignoring my request owing me {$400.00} as of today ( XX/XX/year> ) I believe that Midland Credit Management has violated the FDCPA by, but not limited to, : XXXX. Failing to provide validation of the debt within the required timeframe. XXXX. Continuing to attempt debt collection activities without providing validation of the debt. XXXX. Ignoring my cease and desist request, which prohibits further communication until validation is provided. I have attached copies of the initial email from Midland Credit Management, the certified letter sent for debt validation, and proof of certified mail receipt. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Midland Credit Management for their violations of the FDCPA. I have previously requested a debt validation letter, which Midland Credit Management have failed to provide. I have now been sent notices of possible attorney review and pre- legal notification without Midland providing full and specific validation!. As such, I am reiterating my request and demanding the following information :1.Name and Address of Collector ( assignee ), 2.Name and Address of Debtor, 3.Account Number ( s ), 4.What are the terms of assignment for this account? ( You may attach a facsimile of any records relating to such terms ), 5. Have any insurance claims been made by any creditor or assignee regarding this account? Yes/ No, 6. Has the purported balance of this account been used in any tax deduction claim? Yes/ No, 7. Please list the particular products or services sold by the collector to the debtor and the dollar amount of each ( You may attach additional pages if necessary ). This is a Request for Validation made pursuant to the Fair Debt Collection Practices Act 15 U.S.C. 1692-1692p, and 12 C.F.R. Part 1006 Regulation F Subpart B, with particular attention to 1006.34. Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs involved in this collection action. Please provide all information and attach all assignments or other transfer agreements that would establish your right to collect this debt. Your claim can not be considered if any portion of this requested information is not completed and returned with the required documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. If you do not respond as required by this law, your claim will not be considered and you may be liable for damages for continued collection efforts. Please allow thirty days for processing after receipt of your request. Additionally, I request relief in the form of penalties and restitution for the harm caused by their unlawful debt collection practices. Thank you for your attention to this matter. I look forward to your prompt response and resolution of this complaint.

Company response to consumer: Closed with explanation