Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I had a call with MCM ( Midland Credit Management ) this year. They had been persist with calls and letters for an XXXX  XXXX  ( MCM account XXXX  XXXX ) with estimate owed of {$2800.00}. They were threatening legal action. Demanding at least XXXX XXXX {$100.00} payments or they would sue. The debt was valid and on my record, I wanted to take care of it. During these calls, they included that I owed another debt from XXXX XXXX XXXX  ( MCM Account XXXX XXXX ) of around $ XXXX {$350.00}. I assumed this was accurate and fair as I had another XXXX XXXX XXXX  claim on my record and the amount were about the same. I called back in XXXX to take care of the payments and never during this time nor the prior did they share the XXXX XXXX was past the statute of limitations in the state of Texas and from XXXX. I caught it when the other XXXX XXXX never went off my record and called back for verification of what I paid. The first call, they agreed to mail me the validation letter which is you see on the documents of my XXXX XXXX address, they have my current address but I was not mailed the verification letter. They told me if they did wrongly charge me that they would give me my money back and had me set on hold for a manger who never came. The other XXXX calls were again asking for the verification letter and the XXXX call, again address confirmed and set on hold for XXXX who never came nor did I receive the letter. The XXXX  call, they said they dont have my address yet they found the XXXX address on the call and again XXXX waiting for the XXXX who never came. Online the only documents I have access to for this XXXX XXXX are the payment plan doc and payoff letter which Ive included but no documents from the original creditor. MCM said they sent the verification letter in XXXX, thats way too long again past status of limitations for me to apply to XXXX when the amount was paid. 

They have violated ; FDCPA 809 Failure to Provide Proper Validation of Debt I requested validation multiple times. They did not provide it.Legally they must, in writing, provide : original creditor name itemized amount proof they have the right to collect documentation that you actually owe it. If they can not provide validation : They can not legally collect, report, or demand payment. 

FDCPA 809 ( b ) Collection Must Stop Until Validation Is Provided. They continued calling, pressured payment, and combined another debt without validation. This is a major violation.

FDCPA 807 False or Misleading Representations. They implied the second XXXX XXXX debt was verified because the first one was. They also : pressured urgent action ( pay XXXX XXXX {$100.00} or we push this forward ), failed to disclose it was time-barred ( past statute of limitations ). That is considered deceptive and misleading. 

FDCPA 807 ( 2 ) ( A ) Misrepresenting the Character or Legal Status of the Debt. Trying to collect a time-barred debt without telling me its time-barred is deceptive. Even worse : If the debt is from XXXX, Texas statute of limitations for debt collection ( contract debt ) is XXXX  years. That means : They can not sue. They can not threaten legal action. They can not imply legal consequences. They must disclose that the debt is time-barred if they seek payment. They did NOT disclose that.

Clear violation. FDCPA 808 Unfair or Unconscionable Means, Pressuring threats like : we will take legal action pay this small amount now so we dont escalate emotional pressure are considered unfair and abusive practices. FDCPA 806 Harassme
nt or Abuse I described : emotionally intense, pressuring calls threats of legal action repeated calls This falls under harassment standards.

TEXAS STATE LAW ( Texas Debt Collection Act ) Texas Finance Code 392.202. I have the right to request written verification of a debt.

Texas Finance Code 392.301 ( a ) ( 8 ) Threats of Illegal Action. Threatening legal action on a debt that is : time-barred, or not validated is ILLEGAL in Texas.

They pressured me with legal threats violation.

Texas Finance Code 392.304 Fraudulent, Misleading, or Deceptive Practices Including : misrepresenting the amount or status of a debt misrepresenting that a debt is collectible when its time-barred failing to disclose that a debt is beyond statute of limitations using confusing or deceptive statements They did all of the above. 

They collected payment on a debt they did NOT validate. Illegal under FDCPA and Texas law. 

They failed to send validation after multiple requests. Mandatory by federal law. 

They collected payment on a time-barred debt without disclosing it. Illegal and deceptive. 

They used pressure, threats, and coercion. 
Harassment, unfair practices. They obstructed my ability to get documentation. 

Long holds. XXXX not responding. No communication. Unfair collection practices. 

I paid money under false pretenses. I am are entitled to request a refund because the payment was made : without validation under deceptive information on a time-barred debt

Company response to consumer: Closed with non-monetary relief