Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management/Midland Funding violated several of my Consumer Rights according to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and the FTC 's Fair Debt Collection Practices Act ( FDCPA ) on multiple occasions, including threatening to sue and harassing communication practices after requesting that they stop.

II. My rights as a U.S. citizen under the Fourteenth Amendment of the U.S. Constitution were repeatedly violated by Midland Credit Management/Midland Funding/MCM . The XXXX XXXX guarantees equal protection and citizens ' rights, stating that " no state shall deny to any person within its jurisdiction the equal protection of the laws. '' III. I argue that Midland Credit Management/Midland Funding/MCM obtained an unauthorized credit report on XX/XX/XXXX, prior to the final, executed, notarized bill of sale with the original creditor, XXXX XXXX XXXX, without my consent, thus violating my consumer rights, including the right to refuse, and consumer protections according to the Fair Credit Reporting Act ( FCRA ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

IV. I argue that Midland Credit Management/Midland Funding/MCM engaged in predatory and harmful intimidation practices by ( XXXX ) Threatening a lawsuit while I was attempting to resolve the issue in XX/XX/XXXX, ( XXXX ) Persistently pressuring me to make payments as a coercive tactic, despite my good-faith efforts to resolve the matter with them in XX/XX/XXXX, and ( XXXX ) Pursuing legal action against me in XX/XX/XXXX after my attempts at resolution. These actions violate the law according to Title 15 U.S. Code 1692d ( Fair Debt Collection Practices Act ), which prohibits debt collectors from engaging in harassing or abusive conduct, and Title 12 Code of Federal Regulations, Chapter X CFPB 1006.14 ( b ), which specifically forbids repeated or continuous telephone calls or conversations deemed harassing, oppressive, or abusive. 

V. I expressed to Midland Credit Management/Midland Funding/MCM Legal Department representative XXXX XXXX XXXX, on XX/XX/XXXX, my desire for Midland Credit Management/Midland Funding/MCM to discontinue contact with me for reasons including, but not limited to, phone call inconvenience. MCM continued to contact me anyway after my no-contact request. 

VI. I argue that Midland Credit Management/Midland Funding/MCM violated my no-contact requests by continuing to contact me on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to harass and pressure me for payments, thus violating Title XXXX XXXX Code XXXX, a section XXXX the Fair Debt Collection Practices Act ( FDCPA ) that prohibits debt XXXX from engaging in harassing or abusive conduct, and Title XXXX Code of Federal Regulations, Chapter X CFPB XXXX ( b ), regarding harassing, oppressive, or abusive conduct, specifically repeated or continuous telephone calls or conversations. 

XXXX. On XX/XX/XXXX, Midland Credit Management/Midland Funding/MCM contacted me XXXX this was a missed call the day after being served in person. I describe emotional suffering and anxiety symptoms, such as worry, every time I was contacted by MCM. 

XXXX. On XX/XX/XXXX, Midland Credit Management/Midland Funding/MCM contacXXXX XXXX yet again after the no-contact request. I provided a call thereafter to MCMs Legal Department to request the name of the Legal Department representative who called me minutes prior ( XXXX ), as well as to request a copy of the Purchase Agreement with the original creditor, XXXX XXXX XXXX. I spoke with MCM Legal Department representative, XXXX, who made offensive comments in the process and did not satisfy my consumer request. 

XXXX. I argue that Midland Credit Management/Midland Funding/MCM continued to contact me via written message as well on XX/XX/XXXX, violating Title 15 U.S. Code 1692d, a section of the Fair Debt Collection Practices Act ( FDCPA ) that prohibits debt collectors from engaging in harassing or abusive conduct, and Title 12 Code of Federal Regulations, Chapter X CFPB 1006.14 ( b ) regarding harassing, oppressive, or abusive conduct, specifically repeated or continuous telephone calls or telephone conversations.

X. I argue that harassing, abusive Midland Credit Management/Midland Funding/MCM contact XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX led to emotional suffering and anxiety symptoms, such as worry, every time I was contacted by MCM. 

XXXX. I argue that harassing, abusive Midland Credit Management/Midland Funding/MCM conXXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX also inconvenienced my study schedule as an active vocational student enrolled in an accelerated Business Analyst program involving four-hour daily lectures on a recurring daily basis. This is an intense program that includes weekly graded exams, simulations, class presentations, class projects, and additional graded assignments.

Company response to consumer: Closed with non-monetary relief