Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland Funding LLC took on the debt I owed to XXXX XXXX XXXX  in XXXX. At that time I had enrolled in a debt relief program with XXXX XXXX XXXX and this debt was one of the accounts managed by XXXX XXXX XXXX. In XX/XX/XXXX a Warrant In Debt was filed against me by Midland Funding LLC. I was represented by XXXX XXXX XXXX and a settlement agreement was negotiated and agreed to. 

The Stipulation of Settlement stated the Defendant will pay Plaintiff a total of {$110000.00} in satisfaction of the debt owed with an initial payment of {$95.00} by XX/XX/XXXX and 10 monthly payments beginning on XX/XX/XXXX with a final payment of {$95.00} on XX/XX/XXXX. It states that upon payment of the Settlement Amount, Defendant will be considered released from all causes of action and claims we have in connection with the account referenced in the agreement. It also states that once the signed stipulation is returned to the Plaintiff and the first payment as agreed upon is received by Plaintiff, Plaintiff will dismiss the case without prejudice. 

This debt was paid in full in XX/XX/XXXX. The final payment was mailed XX/XX/XXXX by XXXX XXXX XXXX and Midland Funding LLC showed it processed XX/XX/XXXX. As of XX/XX/XXXX this debt is still being reported as an open account and that {$540.00} is the remaining balance on the account. Also, the case was never dismissed per the terms of the stipulation agreement when the first payment was made in XX/XX/XXXX. 

I have tried to contact Midland Funding LLC regarding this issue. At one point I was told an amount of {$150.00} was owed on the account. I informed them that the account was paid in full and the amount that was being reported on my credit report was {$540.00}. I was then told to contact a different department to resolve the issue, which I did. After speaking with several people in that department, I'm told they can not speak to me due to a " do not contact '' order on the account placed by XXXX XXXX XXXX. I've tried to explain that the account is paid in full and they need to clear the matter up on their end, but they are unwilling to help me. I have sent them an XXXX revoke letter from XXXX XXXX XXXX and I'm hoping that will help, but I feel I shouldn't have to go through any more steps or processes with them since they have all the documentation regarding the stipulation agreement and the account was paid in full in XX/XX/XXXX. As of this writing, they have not met their side of the agreement in any form, beginning with dismissing the case once they received the first payment as outlined in the stipulation agreement. 

With this complaint, I am attaching a copy of the stipulation agreement I received from XXXX XXXX XXXX, a copy of the payments made by XXXX XXXX XXXX to Midland Funding LLC as provided from the account ledger, a copy of the account information from the Midland Funding website showing where the payments were posted to the account, and a copy of the XXXX Revoke letter from XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief