Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
To Whom it may concern : I am filing a formal complaint against Midland Credit Management ( MCM ) for repeated and willful violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically regarding continued unauthorized and harassing telephone calls to my place of employment after I lawfully instructed the representative to cease contact. 

On XX/XX/year>, at XXXX XXXX, I received a call from a representative identifying himself as XXXX. During that call, I clearly stated I was at work, that it was not permissible to receive calls at my workplace, and that all communication must cease and be done in writing only. I specifically told the caller not to contact me by phone again, especially at work, and informed him that I was documenting the call. I also asked for the name of the company he represented, which he stated was Midland Credit Management. 

Despite this clear and direct request, I was contacted again by XXXX on XX/XX/year>, during working hours. When I reminded him that he was in violation of my request and the FDCPA, he became argumentative, denied having called the day prior, and continued the call. I again informed him that this communication was unauthorized and unlawful. 

These actions are in clear violation of 15 U.S. Code 1692c ( c ), which states : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication... the debt collector shall not communicate further with the consumer with respect to such debt.

Although written notice is the standard under 1692c ( c ), verbal communication restricting contact at a place of employment is specifically protected under 15 U.S. Code 1692c ( a ) ( 3 ), which states : A debt collector may not communicate with a consumer in connection with the collection of any debt at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

Midland Credit Management was made expressly aware that calls to my workplace were prohibited, yet deliberately ignored this instruction. This demonstrates a willful disregard for federal law, and a pattern of harassment in the collection of a debt.

I am demanding the following resolution : Immediate cessation of all telephone communications, particularly to my place of employment.

A formal written apology acknowledging the violation of FDCPA statutes.

Permanent removal of this account from all credit reporting agencies due to illegal collection activity. 

Statutory damages in the amount of {$1000.00}, as permitted under 15 U.S. Code 1692k ( a ) ( 2 ) ( A ) for individual actions related to violations of the FDCPA.

I have documented the time, date, and nature of both calls, along with the representatives name and the company he identified. If this matter is not resolved promptly, I am prepared to escalate with legal representation and pursue a private right of action in accordance with federal law.

Company response to consumer: Closed with non-monetary relief