Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland credit management continues to contact me for a debt that I am not responsible for. On XX/XX/year> XXXX XXXX  I received a call from Midland Credit Management XXXX number XXXX, about a debt that belongs to my spouse. I told the representative that this debt is for my spouse, I am not responsible for this debt, and they have the wrong number. 
Pursuant, the Fair debt collection practices act XXXX. Acquisition of location information, Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( XXXX ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; Midland Credit Management is in direct violation with the FDCPA guidelines as they have called me XXXX times since I told them they have the wrong number. Telling a debt collector once that they have the wrong number should be sufficient for them not to continue to call. This is blatant harassment and abuse from a debt collector. 
Midland Credit Management has also violated the Fair debt collection practices act by speaking with me on XX/XX/year>, and then calling me again on XX/XX/year>. That is XXXX days after communicating which violates PART 1006DEBT COLLECTION PRACTICES ( REGULATION F ) section 1006.14 Harassing, oppressive, or abusive conduct. ( a ) In general. A debt collector must not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( h ) of this section. 
( b ) Repeated or continuous telephone calls or telephone conversations ( XXXX ) In general. In connection with the collection of a debt, a debt collector must not place telephone calls or engage any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
( XXXX ) Telephone call frequencies ; presumptions of compliance and violation. 
( i ) Subject to the exclusions in paragraph ( b ) ( XXXX ) of this section, a debt collector is presumed to comply with paragraph ( b ) ( XXXX ) of this section and FDCPA section 806 ( 5 ) ( 15 U.S.C. 1692d ( 5 ) ) if the debt collector places a telephone call to a particular person in connection with the collection of a particular debt neither : ( A ) More than XXXX times within XXXX consecutive days ; nor ( B ) Within a period of XXXX consecutive days after having had a telephone conversation with the person in connection with the collection of such debt. The date of the telephone conversation is the first day of the seven-consecutive-day period. 
See dates, times, and phone numbers in which Midland Credit Management has used to harass me. 
XX/XX/year> XXXX XXXX  - Phone number XXXX XX/XX/year> XXXX XXXX  - Phone number XXXX XX/XX/year> XXXX XXXX  - Phone number XXXX XX/XX/year> XXXX XXXX  - Phone number XXXX XX/XX/year> XXXX XXXX  - Phone number XXXX XX/XX/year> XXXX XXXX  - Phone number XXXX XX/XX/year> XXXX XXXX  - Phone number XXXX XX/XX/year> XXXX XXXX - Phone number XXXX XX/XX/year> XXXX XXXX  - Phone number XXXX XX/XX/year> XXXX XXXX  - Phone number XXXX XX/XX/year> XXXX XXXX  - Phone number XXXX XX/XX/year> XXXX XXXX  Phone number XXXX XX/XX/year> XXXX XXXX  Phone number XXXX XX/XX/year> XXXX XXXX  Phone number XXXX XX/XX/year> XXXX XXXX  Phone number XXXX XX/XX/year> XXXX XXXX  Phone number XXXX XX/XX/year> XXXX XXXX  Phone number XXXX XX/XX/year> XXXX XXXX  Phone number XXXX XX/XX/year> XXXX XXXX  Phone number XXXX XX/XX/year> XXXX XXXX  Phone number XXXX XX/XX/year> XXXX Phone number XXXX

Company response to consumer: Closed with non-monetary relief