Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
My wages were garnished due to this disgrace of a debt collection company using XXXX XXXX XXXX to take me to court. They never served me and could not prove that they did on XX/XX/XXXX in court. They served some man back in XXXX of XXXX that claimed to be my roommate. I live alone, work from home, and had been home working on the day that they served whomever this man was at THE WRONG ADDRESS! I tried to settle this debt in multiple occasions after I found out about XXXX XXXX XXXX  on XX/XX/XXXX of XXXX when my HR told me these people reached out to them asking for personal information. I had no idea who they were. I called and some lady started yelling at me like a maniac because I wouldnt give her my personal information. I dont know who you are so why would I? 

I called Midland to tell them that I knew nothing about this lawsuit and had been trying to settle it since I learned about it. The law firm refused to settle because I wouldnt give them a financial statement. LEGALLY I do not have to!! Instead they tried to bully me into this by garnishing my wages. I could not afford this and had to empty my account because of these disgusting, unethical, XXXX XXXX law firm. When I reported their tactics to midland, some XXXX guy using a fake name said he would have some department call me back and they never did. I dont run from my responsibilities and the fact I tried to settle this is good faith and was met with yelling and very rude people is by far the most disgusting part about this. 

The debt was charged off while I was STUCK IN XXXX DUE TO COVID 19 AIR CLOSURES FOR ALMOST A YEAR IN XXXX. The original debtor was aware and couldnt hold onto the account and I understood. I came home and got a job in XX/XX/XXXX. I had been trying to settle with the original debtor through the credit repair company that I had hired because I wanted to get my cards back. It was not my fault the world shut down. They put me through all of this nonsense and had the audacity to tell me to not be angry. Youve embarrassed me at my job, youve harassed me, and used a con of a law firm who couldnt even serve the right address which gave me no time or room to even settle this because they filed a judgment against me based on serving a complete stranger! There are XXXX addresses where I live that are identical except separated by street, court, circle or place. We barely get our mail delivered to the right address. They served another address and then used my real address on the service. XXXX XXXX  I called today to get this removed from my credit and some other XXXX guy with a fake name told me to call back in 7-10 days so that they can verify with the law firm that the debt is paid. I want this off my credit and I hope both the law firm and Midland get hit with a class action law suit for their unethical tactics. People like me who are not running from their responsibilities do not deserve this treatment.

Company response to consumer: Closed with explanation