Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
My complaint is against Midland Credit Management ( Midland Funding ) There address is XXXX XXXX XXXX XXXX, MI XXXX. The current amount of the debt owed is XXXX The original amount was XXXX. I paid them a total of {$400.00} in XXXX towards the debt and offered them another {$400.00} to settle the debt. 

I contacted Midland Funding on Thursday, XX/XX/XXXX to try to resolve that debt. I asked if they would take a settlement offer and I stated how much I could pay which was {$400.00}. The gentleman said no and I asked what amount would they be willing to accept. They gentleman XXXX XXXX said that no settlement would be accepted, only the full balance that was owed. He stated that I should ask a family member to assist me in paying for the debt. At that point I asked to speak to a supervisor and he said that I could not. So I kindly ended the conversation and I filed a complaint on the company website. A few days later on XX/XX/XXXX the same person XXXX XXXX called me back in an attempt to collect a debt and once again I asked if a settlement offer of {$400.00} would be accepted and he said no only the full balance. I reminded him that the last time we spoke he refused to allow me to speak to a supervisor and he tried to say that he told me they were all busy not that I could not speak to one. So asked again to speak to a supervisor. This time my call was transferred and I spoke with XXXX XXXX who identified himself as a manger and he also stated that no settlement would be accepted. I once again filed a complaint on the company website because I was upset that I had been contacted again by the same person that had previously been so rude and that I had filed a complaint against. I received another call from the same XXXX XXXX on XX/XX/XXXX in attempt to collect the debt. I asked once again if a settlement offer would be accepted and he said no. At his point he stated that there was a judgment for my wages to be garnished. After getting off the call I logged into my account. When I looked at my account online the last judgement on the account was from XX/XX/XXXX to collect the debt and interest on the account was awarded, no judgement to garnish my wages was listed. Now today XX/XX/XXXX I received another call from XXXX XXXX of Midland Funding trying to collect the debt. Again I asked if a settlement offer would be accepted and he said no and asked me why I couldn't pay the entire debt. I informed him that I offered them what I could pay towards the debt. Then he asked if I was getting an unemployment check and I stated no. Then he asked if I received a stimulus check and that I could use that. I stated to him that check was to help people to maintain their home and pay other bills to continue to live. At which point I told him the conversation was over and I hung up. 

Copy of payments made PAYMENT SUMMARY VIEW AVAILABLE PAYMENT OPTIONS DATE PAYMENT XX/XX/XXXX {$120.00} XX/XX/XXXX {$75.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$100.00}

Company response to consumer: Closed with non-monetary relief