Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I found a complaint today because clearly attempting to write to you and just have a civil conversation was pointless. I dont think a human being even bothered to read my letter and if they did, I dont understand why you just sent some copy and paste it paperwork to me that is just ridiculous. Im gon na go over it one more time as clearly as I can, and if at that point you still dont understand why youre not gon na get any money. I dont know what to tell you. 

I had XXXX XXXX credit cards in my bag, including the XXXX XXXX credit card, which is what were discussing today I lost my bag left it in the cab apparently someone else found my bag along with my phone. My ID and I was my credit cards, including the XXXX XXXX credit card I reported it immediately the XXXX XXXX who is the original creditor What it happened they closed all of my other accounts except the XXXX XXXX account. They investigated all the other accounts and found them all to be fraudulent transactions and zeroed out the balance except for the new XXXX account. They will not explain to me why and now they keep saying we dont own the account theres nothing we can do but when they did on the account, they didnt follow the law and they didnt investigate the fraudulent transactions like they did on every other account that I had with them. I did not use this XXXX XXXX credit card. I had never used this XXXX XXXX credit card ever in my entire life I had it thought that I might use it because it offered a discount but never ever did and then all of a sudden theres a {$1500.00} charge the rest of the balance fees and interest and late fees that dont belong to me that should not have been added per the law Because the account shouldve been under investigation now its not my fault the XXXX XXXX didnt investigate this properly and then they turned around and sold it to you, but it was never handled properly to begin with. I dont know why in the world do you think Im gon na pay you any money? These are fraudulent transactions you ask the bank if they investigated these transactions fraudulent you give me a letter that tells me that they investigated and then well go from there, but I already know theyre not gon na be able to provide that to you because guess what they didnt investigate the transactions They didnt close the account they left it open for more people to use and because of this, Im not paying you a single penny and Im not jump through any more hoops. Ive already jumped through 1 million. Hoops for XXXX XXXX you want information go to the bank and get it from them. No ones disputing the fact that the card belong to me it did, but I didnt make the purchases unless you can come up with some proof that I did. I suggest you zero out the balance and just move on take this up with XXXX  XXXX not me. Im gon na give my approval to the CFPB so they can publish this so that everyone can see and see how you handle customer service.

Company response to consumer: Closed with non-monetary relief