Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
- On XX/XX/year>, I reached out to XXXX XXXX to discuss settling an old debt for an amount I had available that day, they refused and said that the original creditor said they will not settle for less than the full amount, and can choose to file a small claims suit again if we do not pay the full amount. 
- On XX/XX/year>, I reached out again to pay more than the original amount I offered, and again the agent said that this could go back to suit if we do not pay the full amount. 
- On XX/XX/year>, I reached out and made for {$1300.00} and that I would call back within a few days to pay the remaining balance. Payment was cleared from our account on XX/XX/XXXX- On XX/XX/XXXX, I called several times between XXXX and emailed the agent to get the remaining balance and documentation to then pay off the balance, and received no calls or emails back. 
- After calling several times a day and multiple days, I finally connected with the agent at XXXX XXXX at XXXX on XX/XX/XXXX - there will certainly be a recorded call at this time with our conversation, which he said that between the time they took a payment and today, the original credit company has since " closed '' the account and that he needed to find out from the XXXX  department what we can do next. 
-Receving no call back on XX/XX/XXXX, after calling XXXX and emailing, I am now desperately trying to get my call answered to have this resolved and ultimately removed from the small claims court, with no luck, now submitting this to hopefully have this debt law firm be held accountable for their errors and avoidance. 
- We need the account either 'satisfied " our what ever the correct terminoloy may be in order for the court to then update the case status. 
- We call during their normal business hours each day, which is listed as XXXX and will either be passed around and put on hold or sent right to voice mail, so this is not a matter of user error, this law firm is clearly ignoring calls and emails from us. Unsure why. 


-For context, this debt was originally with Midland Credit XXXX and Midland Credit placed the debt with XXXX XXXX XXXX I waited on Friday XX/XX/XXXX for over an hour to confirm with Midland Credit that they in fact did close the account. The agent there said she was able to see the account was closed as of XX/XX/year>, and that this should reflect on credit by the next reporting period, and on the Midland account sometime within the next few weeks. 
-Also, for some reason in the first few conversations with XXXX XXXX they said that they see our file was requested for validity or something? And we never requested that, and on Thursday XX/XX/XXXX also received a full packet in the mail from XXXX that included a paper trail of all of the court docs/original charge off. We never asked for this, we have only been trying to move this along to a resolved status as quickly as possibly because it is holding up our home loan. 
- Additionally, if Midland  needs to provide some sort of paper trail or documentation to XXXX XXXX, then we would like to request they do so, if that is what is holding XXXX up. However, it seems to us, XXXX is trying to push off replying to us until they can fix what they have made an error with ... which is taking a payment for a debt that was no longer being pursued. Keep the {$1300.00} if that means we can get our release/letter of satisfaction today.

Company response to consumer: Closed with non-monetary relief