Consumer complaint received 2022-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ENCORE CAPITAL GROUP INC.
State: HI

Complaint narrative:
Response to XXXX First, MCM needed more time to complete the investigation. Thats funny. Claiming res ipsa loquitur while presenting XXXX fraudulent bill and ignoring all the other facts in the case isnt an investigation. Its a giant waste of time and a joke, at best. 

Second, I have not hired an attorney yet. Ive been waiting for your response. I thought you might actually do the right thing, but its clear youd rather play games for profit at my expense than address reality. If you continue with this scam though the next step will be a call from the state attorney general. 

Third, you got the account information correct, but the charged-off amount of {$430.00} is wrong. The underlying charge is fraudulent, and all the interest incurred due to that underlying fraudulent charge is fraudulent. Ive repeatedly explained this as well. So, I dont owe MCM a anything. MCM will never see a dime from me. 

Fourth, I understand the definition of charge-off, but the underlying promissory obligation is not valid, due, or owed. Once again, Im not obligated to MCM or XXXX  because I did not promise to pay for the fraudulent charge. So, you can claim MCM has a right to repayment all they want, but it isnt true. Its a lie and a scam. 

Fifth, this entire paragraph is lie. You did not reach out to the seller. The seller connected to the original charge was put out of business due to fraud. The domain host yanked their site and published the reason as fraud. I literally submitted evidence proving this as well. Ignoring it doesnt make it go away. Whats more, XXXX claimed res ipsa loquitur  in regards to the original charge as well ; i.e., it exists, so it happened. Yet all XXXX did was verify that the seller got their money, nothing more. I submitted evidence showing XXXX didnt investigate the charge as well. So, once again, pretending it doesnt exist, doesnt make it go away. I am not responsible. XXXX  is. PERIOD!!! 

XXXX, once again, claiming res ipsa loquitur is not legitimate claim. It clearly does not apply in this case. XXXX and MCMs ignoring of the underlying facts does not make them go away either. It makes both XXXX and MCM liable for fraud. 

XXXX, what are you talking about? The damage is already done. The scam XXXX ran has already trashed my credit score. MCM needs to conduct a LEGITIMATE investigate and right the wrongs XXXX and MCM has done. So, once again, the debt is NOT VAILD! You can keep repeating the lie all you want, but it doesnt make it true. And, once again, MCM, or anyone else ; for that matter, will never see a dime of my money in regards to this scam.

Eighth, MCM will address employee conduct. Thats laughable! MCM literally hires people like whats currently employed for reason. Theyre meant to frustrate the mark, and wear them down mentally and physically over time, so the mark eventually just gives in and pays. MCM, and the entire financial industry ; for that matter, does the same thing and its on purpose. Companies, and I say companies loosely, like XXXX  and MCM are nothing more than legalized con men and extortionists. 

Ninth, no one ever said I was the victim of identity theft. If MCM actually conducted an investigation theyd know that. XXXX literally verified a fraudulent charge, ran up fraudulent interest on the that charge then fraudulently sold the account the MCM while claiming the account as a right-off on their taxes. 

Tenth, MCM considers consumer complaints a serious matter. Stop lying. If MCM considered consumer complaints to be a serious matter then MCM would actually conduct a legitimate investigation. But, they didnt, and they wont because it isnt in MCMs best interest. There is no profit in writing off mistakes. It would be counterproductive to the entire scam. 

In closing, stop the XXXX do the right thing, quash the charge, and report the mistake to the credit reporting agencies.

Company response to consumer: Closed with explanation