Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXXXX/XX/XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XX/XX/XXXXACCOUNT Balance {$1100.00} Date Updated XX/XX/XXXX High Balance {$1300.00} Original Creditor XX/XX/XXXX Past Due {$1100.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTIONXXXX XXXX XXXX XXXXXX/XX/XXXXAccount Information Address XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XX/XX/XXXXACCOUNT Balance {$600.00} Date Updated XX/XX/XXXX High Balance {$600.00} Original Creditor XXXX CREDIT CARD Past Due {$600.00} Pay Status >Collection< Estimated month and year this item will be removed XXXX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION< XXXX XXXX XXXXXX/XX/XXXXAccount Information Address XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XX/XX/XXXX ACCOUNT Balance {$600.00} Date Updated XX/XX/XXXX High Balance {$600.00} Original Creditor XXXX CREDIT CARD Past Due {$600.00} Pay Status >Collection< Estimated month and year this item will be removed XXXX/XXXX Remarks >PLACED FOR COLLECTIONXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Information Address C/O XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan TypeXX/XX/XXXX ACCOUNT Balance {$870.00} Date Updated XX/XX/XXXX High Balance {$870.00} Original CreditorXX/XX/XXXX BANKXX/XX/XXXX Past Due {$870.00} Pay Status >Collection< Estimated month and year this item will be removed XXXX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTIONXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Information Address C/O XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan TypeXX/XX/XXXX ACCOUNT Balance {$620.00} Date Updated XX/XX/XXXX High Balance {$620.00} Original Creditor XX/XX/XXXX XX/XX/XXXXPast Due {$620.00} Pay Status >Collection< Estimated month and year this item will be removed XXXX/XXXX Remarks >PLACED FOR COLLECTION< MIDLAND CREDIT MANAGEMENT XXXXXX/XX/XXXX Account Information Address XXXXXX/XX/XXXXXXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XX/XX/XXXX ACCOUNT Balance {$720.00} Date Updated XX/XX/XXXX High Balance {$720.00} Original Creditor THE BANK OF XX/XX/XXXX Past Due {$720.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION< MIDLAND CREDIT XXXX XXXXXX/XX/XXXXAccount Information Address XXXXXX/XX/XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XX/XX/XXXXACCOUNT Balance {$750.00} Date Updated XX/XX/XXXX High Balance {$750.00} Original Creditor XX/XX/XXXX BANK Past Due {$750.00} Pay Status >Collection< Estimated month and year this item will be removed XXXX/XXXX Remarks >PLACED FOR COLLECTION< THE XXXXXX/XX/XXXX Account Information Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Balance {$470.00} Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX High Balance {$470.00} Original Creditor XX/XX/XXXXXXXX XXXX Past Due {$470.00} Pay Status >Collection< Estimated month and year this item will be removed XXXX/XXXX Remarks >PLACED FOR COLLECTION

Company response to consumer: Closed with non-monetary relief