Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
CFPB COMPLAINT AGAINST MIDLAND CREDIT MANAGEMENT ( MCM ) Consumer : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Email : [ XXXX ] ( mailto : XXXX ) Account : Midland Credit Management ( MCM ) I am filing this complaint regarding Midland Credit Management 's improper communication with a third party concerning an alleged debt that belongs solely to me, XXXX XXXX XXXX. On XX/XX/XXXX, Midland Credit Management placed a telephone call to my husband, XXXX XXXX XXXX, at approximately XXXX XXXX Because he did not recognize the number, he did not answer the call. At approximately XXXX XXXX, my husband returned the call. During that conversation, the representative identified the company as Midland Credit Management ( MCM ) and specifically stated that the call concerned a debt belonging to XXXX XXXX XXXX. The representative further informed my husband that there was a cease-and-desist or communication restriction on my account and then asked whether my husband would discuss the account with them. My husband is not a co-borrower, joint account holder, guarantor, authorized user, or otherwise legally responsible for the alleged debt. The account belongs solely to me. My husband did not authorize any discussion regarding my account, refused to discuss the matter, and terminated the call. At approximately XXXXXXXX XXXX on the same day, I personally contacted Midland Credit Management. During that call, I was informed that Midland Credit Management would not discuss the account with me because of the communication restriction or cease-and-desist status on the account. I find it extremely concerning that Midland Credit Management acknowledged that a communication restriction existed on my account while simultaneously disclosing information about my account to my husband and attempting to engage him in a discussion concerning a debt that does not belong to him. This was not a request for location information. The representative specifically identified me by name, informed my husband that the call concerned a debt belonging to XXXX XXXX XXXX, disclosed the existence of a cease-and-desist restriction on my account, and attempted to discuss the account with him. This incident is particularly troubling because it follows more than a year of disputes and requests for validation regarding this alleged debt. Beginning in XXXX, I repeatedly requested validation of this account from Midland Credit Management. I sent multiple written disputes, debt validation requests, certified correspondence, and CFPB complaints. I have retained certified mail receipts and return receipts documenting my efforts to obtain proper validation and resolve this matter. Despite these efforts, Midland Credit Management has repeatedly provided substantially the same limited documentation while failing to adequately address my concerns regarding ownership, validation, and reporting of the account. The XX/XX/XXXX communication raises additional concerns regarding Midland Credit Management 's collection practices and handling of consumer communications. I request that CFPB investigate the following : 1. Why Midland Credit Management disclosed to my husband that they were calling regarding a debt belonging to XXXX XXXX XXXX. 2. Why Midland Credit Management disclosed the existence of a cease-and-desist or communication restriction on my account to a third party. 3. Why Midland Credit Management attempted to discuss my account with a person who has no legal obligation for the alleged debt. 4. Whether Midland Credit Management 's conduct violated consumer protection laws governing communications with third parties. 5. Why Midland Credit Management refused to discuss the account with me because of the restriction while simultaneously discussing the account with my husband. 6. Whether Midland Credit Management has maintained accurate records of communications and restrictions associated with my account. I specifically request that Midland Credit Management preserve and provide : All call recordings relating to the XX/XX/XXXX communications. All account notes and collection notes. All call logs. Internal communications concerning my account. Documentation of any communication restrictions or cease-and-desist instructions associated with my account. The name and employee identification number of the representative involved in the XX/XX/XXXX communication.

Company response to consumer: Closed with non-monetary relief