Consumer complaint received 2025-10-28 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: MI

Complaint narrative:
Subject : Formal Complaint Intimidating and Unprofessional Conduct by Process Server Linked to Midland Credit Management To Whom It May Concern : I am submitting this complaint regarding an individual who appeared at my residence in XXXXXXXX XXXX ( XXXX XXXX ) on Sunday, XX/XX/year>, around XXXXXXXX XXXX, claiming to have documents for me to sign. The man was wearing a blue tracksuit, refused to identify himself or provide any credentials, and exhibited aggressive and intimidating behavior. 

He pounded on my front door multiple times over the course of approximately four minutes, refusing to leave until my girlfriend answered the door. She was home alone at the time and became frightened by his conduct. The man repeatedly knocked and struck the door in an aggressive manner, ignored clear cues to leave, and continued until she reluctantly opened the door. Once she did, he refused to identify himself, made demanding and intrusive comments such as Where is he?, When will he be home?, and What kind of car does he drive?, and stated that he might come back later. 
When he returned on a later date, he once again approached my property despite clearly posted No Trespassing and Private Property signs visible from the road. I have XXXX camera video evidence of this second visit, showing the man driving a white XXXX XXXX XXXX past my posted signage and walking to my front door. 

During this encounter, I informed him that I had already been properly served at the courthouse and showed him the official court-stamped documents in my possession. Despite this, he appeared visibly upset, became argumentative, and attempted to intimidate me into signing his papers, stating that if I did not sign, he would mark me down as refusal to sign. I told him again that I had already signed for and received the documents through official channels at the courthouse. He continued insisting that I must sign his paperwork, despite my lawful receipt of service and proof in hand. 
The man claimed he had been doing this for a long time, yet he pretended not to know that a defendant can accept service directly at the courthouse. His behavior demonstrated either a complete lack of understanding of legal procedure or deliberate intimidation intended to coerce compliance. 

This incident is directly connected to a pending lawsuit filed by Midland Credit Management XXXX XXXX, represented by attorney XXXX XXXX ( XXXX XXXX  XXXX, XXXX, MI XXXX ), in the XXXX XXXX XXXX XXXX ( Case No. XXXX ). I have already been properly served and signed at the courthouse ; therefore, his repeated return visits and conduct constitute harassment, trespass, and intimidation. 

This conduct raises serious concerns about personal safety, violation of property rights, false representation of authority, and professional misconduct under both Michigan law and the Fair Debt Collection Practices Act ( FDCPA ). I request that your office record this complaint, investigate this individuals actions, and take appropriate disciplinary or enforcement action. 

My contact information : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : XXXX Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation