Consumer complaint received 2023-06-16 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: MD

Complaint narrative:
I was contacted about a debt from Midland Management Credit Inc. by letter in XX/XX/XXXX. I asked for validation of the debt from Midlands Head of Compliance and received nothing from Midland. On XX/XX/XXXX I received a letter from XXXX XXXX saying that Midland had sold the Debt to XXXX XXXX XXXX. In XX/XX/XXXX I learned a lawsuit was filed against me by the Agent of Midland XXXX XXXX XXXX XXXX XXXX XXXX. in The XXXX XXXX of Maryland in XXXX XXXX. I responded to the suit with an intentuion to defend as well as a counterclaim for violations of the FDCPA. The suit filed by the Agent of the Debt buyer violates a Consent Order that the debt buyer Midland Credit entered into with the CFPB in XXXX and a XXXX XXXX Midland had entered into with the State of Maryland in XXXX. Both Consent orders are also binding on the XXXX of Midland. Almost everything Midland agreed to cease and desist from doing in both Consent Orders they committed once again by filing a law suit against me. I mailed a letter to the Secretary of Enforcement of the CFPB to advise enforcement Midland was still violating the CFPB XXXX Order I emailed a copy as well and received an email advising me to file a complaint on the CFPB website. Midlands Agent used an affidavit in support of judgement in the complaint they filed against me that was signed under the penalty of perjury by a XXXX XXXX who identified herself only as a " XXXX  XXXX '' that was employed XXXX XXXX. CXXXX XXXX Upon investing I found that XXXX XXXX was a company officer of Midland Funding LLC a sister company to Midland Credit Management. Midland Funding LLC is a shell company that purchases debt and then gives it to Midland Credit Management to collect I also found out XXXX XXXX was an employee of Midland Credit Management Inc as a Legal XXXX all of which XXXX XXXX failed to disclose in the affidavit. XXXX XXXX also failed to disclose she was a stockholder that would benefit from any judgement obtained against me. Midland Credit along with their Agent have filed these very same lawsuits across the State of Maryland in various Courts obtaining hundreds and hundreds of judgements against Maryland XXXX all with false affidavits and business records they create. In the words of XXXX XXXX in her affidavit in support of judgement they buy the debts of the original creditor and without certification roll them into the records of Midland Credit Management for the purpose of altering them and giving them a control number and coordinating that control number with the XXXX XXXX XXXX they receive from the original creditor. They then print the records out and send them to XXXX of their Agents to file suit. XXXX which they agreed to cease and desist and all of which they are continuing to do. Midland Credit Management has no respect whatsoever for XXXX or XXXX laws. They pay out millions in fines and voluntarily enter into XXXX and State Consent Orders and copntinue to do exactly what they said they would cease and desist doing. I am hoping the XXXX of XXXX for the CFPB will read my letter with attached exhibits and put an end to this madness orf picking consumers pockets. I also filed a complaint with the Commissioner of Finance in Maryland advising him Midland was violating the Maryland Consent Order against them and he also has opened an investigation into the matter.

Company response to consumer: Closed with explanation