Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am filing a complaint against your company for unfair debt collection practices & tactics. On XX/XX/XXXX, I found out that there was a freeze on my checking account in the amount of $ XXXX which put my account in negative status. I immediately called the bank for more information and I was given the name and telephone number of a XXXX XXXXXXXX. I called the number given and the automated service picked up and gave out information as well as a website- texasreceivership.org for more information. I went to the website and put in some information, then I was able to download the documents pertaining to a judgement against me dated XX/XX/XXXX in XXXX XXXXXXXX XXXX for the amount of {$7300.00}. The documents were from the receivership XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have NEVER done business with XXXX & I don't have any knowledge about the alleged debt. I was NEVER notified of this judgement nor received any documents. I am not a current resident of XXXX XXXX, and I have not been since XXXX. In XXXX of XXXX, I checked my credit reports and noticed some inaccurate information- including accounts from Midland Credit XXXX XXXX I disputed the items with all XXXX credit reporting agencies- and the accounts were removed from my credit reports. In XXXX, I received a letter from XXXX stating that they were in the process of closing the account and they have requested that the law firm handling the account dismiss all pending legal actions, release any judgement obtained and close the account. This is a violation of The Fair Debt Collections Practices Act ( FDCPA ). I NEVER received a validation notice with the name and mailing information of the debt collector ; Name of the creditor to whom the debt is owed ; the account number associated with the debt ; an itemization of the current amount of the debt that reflects interest, fees, payments and credits with dates that I may be able to recognize or verify with records ; the current amount of the debt as of when the validation notice is provided ; information about my debt collection rights including how to dispute the debt. According to the CFPB, there are certain steps debt collectors must take before they can report a debt to a credit reporting agency- which consists of speaking to me by phone or in person about the debt; mailing a letter or send electronic communication about the debt and wait for a reasonable amount of time, generally 14 days in case it is returned as undeliverable. I will be attaching a " Debt Validation '' notice along with the letter that I received from Midland Credit Management stating that the account was closed! I hereby request the freeze on my account be lifted, as well as any fee 's charged to my account because of the freeze. I will also forward a copy of the letter and this complaint to the Federal Trade Commission ( FTC ), Attorney General 's office of Texas, and the XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation