Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have previously filed a complaint with the CFPB against Midland Credit Management Inc on XX/XX/XXXX. Below, I will discuss the initial complaint, and then discuss the continued misconduct by Midland Credit Management Inc after the initial complaint was resolved. 

Initial Complaint : I sent out a letter to Midland Credit Management , IncXXXX, who is a debt collector, attempting to collect credit card debt for XXXX XXXX. I sent a debt validation letter on XX/XX/XXXX, via XXXX Certified Mail, requesting among other things, proof of the debt, including a copy of the original agreement or contract bearing my signature or demonstrating my liability for the debt, as well as documentation proving that Midland Credit Management , Inc is legally authorized to collect the debt, and proof of complete ownership by way of documents providing chain of title. I also requested that they provide me with a detailed breakdown of the debt including, interest and fees applied, with justification for said interest and fees. The response Midland Credit Management , Inc provided failed to provide all of the information discussed above. The response simply provided a letter from XXXX that states stating that my account number ending in XXXX has been sold to Midland Credit Management , Inc., and provided a bank account statement for the months of XXXX to XXXX of XXXX, and XXXX to XXXX of XXXX. 

Lastly, XXXX also closed my account prior to selling debt, and without notice. Forcing me to pay an unknown creditor who has applied significant amount of interest to any alleged debt, without any detailed verifications ( as discussed above ). 

I also provide a copy of ( 1 ) the debt validation letter ; ( 2 ) proof of delivery via certified mail; and ( 3 ) Midland Credit Management , Inc 's response to the debt validation letter. 

Continued Misconduct by Midland Credit Management , Inc requiring and coercing acceptance of new terms and conditions : In response to my complaint, Midland Credit Management , Inc stated the following : " MCM account # : XXXX A review of our records indicates that we received a dispute from you previously, and responded by mailing you a letter including verification information. If you would like to review additional account documentation, you may access documents by visiting our website at www.midlandcredit.com '' Based on this response the CFPB closed the complaint. 

However, Midland Credit Management XXXX XXXX 's response failed to disclose that in order to access any account information at www.midlandcredit.com requires/coerces acceptance of its Terms of Use Agreement. The Terms of Use Agreement, which I am being forced to agree to in order to access the documents Midland Credit Management XXXX XXXX claims to have made available on its website, requires me to forgo the many material rights as a condition to access the documents I am entitled to. The right 's being affected include, but are not limited to, ( XXXX ) forced Arbitration for any claim relating to any interaction with Midland Credit Management XXXX XXXX " whether through MCM website or otherwise '', ( XXXX ) an assignment provision allowing Midland Credit Management XXXX XXXX to assign any rights to payments to a third-party, ( XXXX ) allowing Midland Credit Management XXXX XXXX XXXX XXXX payment terms and conditions at their discretion, and ( XXXX ) consent to electronic communications. 

By requiring me to agree to Midland Credit Management XXXX XXXX 's Terms of Use Agreement, Midland Credit Management XXXX XXXX has made it clear that they have not provided me with the document 's requested, and have now conditioned my access through coercive pressure due to Midland Credit Management XXXX XXXX having filed collection claims against me with XXXX or more credit reporting agencies and hurting my XXXX XXXX. Meaning, Midland Credit Management has violated FDCPA by unfair and coercive tactics to seek collections by refusing to validate the debt, and conditioning access to such documents by involuntarily requiring acceptance of its Terms of Use Agreement all while simultaneously applying pressure by attacking my XXXX XXXX.

Company response to consumer: Closed with explanation