Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Refer to CFPB Case Number : XXXX, On XX/XX/XXXX, I wrote letters to Midland Credit Manangement , LLC spoke with XXXX XXXX , in the Concern dept @ XXXX asking for an update on my Identity theft account # XXXX. Midland Credit XXXX had an attorney office XXXX XXXX @ XXXX, filed for wage Garnishments without my knowledge. I was notified through my Employer back in XX/XX/XXXX. I immediately went to work on XX/XX/XXXX with all three Credit Bureaus disputing each account. Midland Credit Manangement had three accounts under my name however only two of these fraud accounts were closed. The third account XXXX, that went to XXXX XXXX a Identity Fraud packet was not applied & caused the Garnishments. After several attempts contacting Midland Credit Manangement, LLC XXXX XXXX, told me back on XX/XX/XXXX, that they needed to recall the account from the law firm. Ive now received a paid in full letter from the law firm & now awaiting a refund since XXXX XXXX confirmed receiving my fraud packet on XX/XX/XXXX, for the third time. XXXX, XXXX, XXXX XXXX XXXX, sent Midland Credit Manangement a fraud packet in XX/XX/XXXX, and To the XXXX XXXX back in XX/XX/XXXX, while in the middle of my paychecks being Garnished. 
Midland Credit Manangement had time to processed MCM # XXXX & MCM # XXXX as fraud accounts on XX/XX/XXXX, but failed to processed MCM # XXXX. XXXX XXXX, in Consumer Support dept advised me on XX/XX/XXXX, while being Garnished that she would recall my account from XXXX XXXX to review my account. XXXX XXXX confirmed on XX/XX/XXXX receiving my Fraud Packet, that fax to her number XXXX. 
I continue calling Midland Credit Manangement & XXXX XXXX XXXX  making sure the Garnishments stopped. Afterwards I contacted XX/XX/XXXX, XXXX XXXX ( XXXX, ph : XXXX, with XXXX employed by Midland Credit Manangement explaining the Garnishment issue to her. I emailed XXXX XXXX showing that Midland Credit Manangement had already processed the fraud packets for two MCM # XXXX & XXXX accounts listed above, the third account MCM # XXXX not yet processed. XXXX received those letters I emailed that Midland Credit Closed both accounts. XXXX contacted Midland Credit Manangement and the Garnishment stopped immediately. 
Midland Credit Manangement stated that I paid the account # XXXX, in full although XXXX XXXX said, a balance of $ XXXX dollars was accruing interest daily. This is Unacceptable. Midland Credit Manangement refused to refund my Garnished wages knowingly that the fraud packet was received while the Garnishments was active. 
I've requested a refund of {$2700.00} however Midland Credit Manangement, claimed they received the fraud packet after the Account was placed with the Lawfirm. Under the FCRA law, you are not allowed to keep my wages if you processed the fraud packet for two accounts listed above, then refused to issue a refund, in your recent response to complaint number XXXX. I will attach documentation for supporting my claim.

Company response to consumer: Closed with explanation