Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am filing a complaint regarding Midland Funding, XXXX XXXX XXXX, and their collection practices in their efforts to collect an alleged debt from over 10 years ago from me. My wife and I awoke on Sunday morning, XX/XX/XXXX, to discover that all of our funds in our joint checking and savings accounts were seized, and both accounts well into the negatives- {$1800.00}. We had no knowledge that there was any issue at all. We were scared to death wondering if we were victims of fraudulent activity, so we called XXXX XXXX XXXXXXXX to be told that there is a levy on all of my accounts. That was all they could tell us and gave a customer service number to call, but it was Sunday, so no answers till Monday, with no notice of what is happening to me and why. I work for the XXXX XXXX XXXX XXXX XXXX so I went straight to the County Clerk and Judge to find out what was going on. I am at this point notified for the first time, by the Court Clerk, on XX/XX/XXXX, that I am being sued again by Midland Funding, and they have now hired and granted receivership to XXXX XXXX XXXX to enforce. Prior to this action, I did not receive any notice that would have allowed us to respond, dispute the debt, verify the amount claimed, or protect our rights before our bank account was impacted. I work for XXXX XXXX this was filed in. Midland Funding and XXXX XXXX XXXX made no attempt to confirm correct contact information with XXXX XXXX, nor did they provide an accurate and good faith truthful testimony to the court on XX/XX/XXXX, that they had tried to contact me with no success. They simply mailed the filing to the address on file from the XXXX court proceeding. They never verified if I received any communication about new proceedings, nor did they have me served legally or by certified mail to confirm receipt. Additionally, we have identified significant discrepancies in the amounts being claimed. The documentation filed with the court reflects a balance of {$1800.00}, while the amount being held by our financial institution is substantially higher at {$3400.00}. Further, the payoff amount displayed by the collection firm 's records on their website states I owe {$2500.00}. That differs from both the court filing and the amount restrained from our accounts. These inconsistencies raise serious concerns regarding the accuracy of the debt amount being collected. I am requesting that Midland Funding provide a complete accounting of the debt, including interest, fees, court costs, and any other charges resulting in these differing balances. I am also requesting an investigation into whether proper notice was provided before collection actions were taken and whether the collection activity complies with applicable federal and state consumer protection laws. At this time, I have filed motions with the court for an emergency hearing to review these issues. I am requesting CFPB assistance in obtaining the following : 1. Verification of the debt and the amount claimed. 2. Documentation showing when and how notice was provided. 3. A complete itemization explaining the discrepancies in the balances being claimed. 4. Review of whether Midland Funding and XXXX XXXX XXXX 's collection practices complied with applicable consumer protection requirements. We respectfully request that Midland Funding and XXXX XXXX XXXX respond with complete documentation and cease any improper collection activity pending resolution of these disputes.

Company response to consumer: Closed with explanation