Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Credit took me to court for an old credit card balance. The account was a XXXX credit card which the account is over XXXX yrs.old. I guess I was sent some papers to show up to court back in 2012 but was no longer at that address went the paper work got mailed to me. Moving forward I got a court letter in the mail to show up for court over the balance that I owed. In 2018 I went to court and the XXXX rules in Midland Credit 's favor for me to pay them a total of XXXX. I made a payment arrangement of {$50.00} a month. 
i was Making my payments faithfully up until XX/XX/XXXX this was the last time I would be able to make a payment because I could no longer access my account online. My balance was left at XXXX I have proof of my printed out receipt. When I tried to access my account it would say account not found and the balance showed was a XXXX balance which I also printed out on XX/XX/XXXX. 
I later received a letter from Midland Credit on XX/XX/XXXX stating I owed a balance of {$990.00}. I right away called a spoke with someone about my account and how I couldn't access it and was forced to stop paying on my account which had I been able to keep paying on my account that my account would have been paid off. I asked them why wait so long to contact me with a balance and their response was they were waiting for me to get a job so they can garnish my wages. I guess they waited XXXX years to decide to come after me again. I said okay and asked to get back on a payment plan of {$50.00} dollars a month so on XX/XX/XXXX I made my first payment of {$30.00} and after that it would be {$50.00} on the first of every month. Again I was making my payments faithfully and than I started to notice my balance was always changing to a hire amount and I had to constantly call them to dispute what they would say I owed. At XXXX point I was on my table top looking at the balance owed stating {$1100.00} on XX/XX/XXXX. I ask them why they keep changing my balance amount and they argued they could not do that. So I open up my account on my laptop at the same time and my balanced was change back to what I owed. I also notice they tried to charge a credit card that I had used to make a previous payment with. On XX/XX/XXXX it said payment declined and I did not make my payment for that month yet because I was arguing the amount balance being hire than I owed. 
So I am able to make my payment up until XX/XX/XXXX my last balance would be {$760.00}. XXXX I could no longer access my account to make any payments. When I called them I was told that I could make an over the phone payment but could not promise me a receipt. I did not trust that so I did not make my payment for XXXX  months. I ended up filing a motion to dismiss this order with the courts because of how unprofessional they have been since I been dealing with them. When I try to get some answers on why I can't access my account again they are rude and disrespectful and nothing gets resolved. I ended up back in court with Midland Credit cause I filed for the dismissal on XX/XX/XXXX and we had a hearing on XXXX XXXX. The court order Midland credit to provide me with a ledger explaining the interest and the amounts that I have paid. I did receive a ledger from Midland Credit but the numbers were all over the place. I was getting charged interest fees on a daily sometimes XXXX times a day and than interest fees would be removed it just didn't make sense. My last concern with their ledger was a court cost on XX/XX/XXXX in the amount of {$95.00}. I was so puzzled I reach out to the Better Business Bureau for some advice before our upcoming court date. I got some help with a printed up ledger for what my XXXX account should look like from the help from the BBB. On XXXX XXXX we ended up back in court and I pleaded with the judge to dismiss my case due to the amount they said I owed and how they were charging interest fees and than removing interest feed. The judge however said we had to come to an agreement so I showed the judge the ledger from the BBB and he showed it to Midland credits lawyer and she did not approve of what they came up. My last balance from Midland Credit was on XX/XX/XXXX in the amount of {$760.00}. Midland Credit said I had a balance of XXXX in just XXXX months I went from owing to {$1100.00}. I told the judge I would agree to pay what the BBB had typed up which was {$440.00} would be my current balance to owe. Midland Credit was okay with it their lawyer was not happy however she tried to get me to agree to paying off the {$440.00} in XXXX days. I told her I could not afford that can we to {$50.00} a month in the amount for {$440.00} until balance is paid off and she agreed and I have my court papers to prove it. on XXXX XXXX I make my over the phone {$50.00} payment and I ask them for a receipt through my email they said I will get XXXX for sure through the mail. I got a statement from them saying payment due date is XX/XX/XXXX full amount balance is {$440.00} with a payment due of {$50.00}. After I make my payment I receive another statement from them stating I have paid {$1200.00} and my balance now is XXXX top of that I also get a letter dated on the envelope for XX/XX/XXXX but when I open it up it is a State Of Michigan Garnishment Disclosure in the amount of {$830.00} and the letter is dated for XXXX XXXX. I don't have a clue what this for. The people who run Midland Credit are crooks and something needs to be done. They are scammers doing everything that they can to milk you for every dollar they can.

Company response to consumer: Closed with explanation