Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
On XX/XX/year> I filed a complaint with the CFPB explaing the Midland Credit management was pursuing an alleged debt they claimed I owed them. As stated in that complaint, I continually asked Midland Credit management for proofs and verifications via response letters sent to Midland Credit Management by registered mail. I did not recieve all of the verification I requested many times. On XX/XX/year> I recieved a notice from the courts saying I was being sued for a debt collection from Midland Credit Management. Prior to that court notice, I was never sent or served with a formal complaint by Midland Credit Management or their attorney with the XXXX XXXXXXXX XXXX XXXXXXXX. The hearing was on XX/XX/year>. On XX/XX/year> at the court hearing the Judge had myself and the attorney go into a private discussion about the alleged debt. I explained everything to the attorney that I have previously stated in this and prior complaints. The attorney from XXXXXXXX XXXX XXXXXXXX told the judge that he needed to discuss this matter with his client Midland Credit management, and another hearing date was set for XX/XX/year>. On XX/XX/year>, I recieved the court documents with a second hearing notice with the date and time. On XX/XX/year>, I received notification from the court and XXXXXXXX XXXX XXXXXXXX informing me that they had dismissed the court case without prejudice. On XX/XX/XXXX I received another debt collection notice from Midland Credit Management still trying to collect on the alleged debt that was dismissed. This is complete harassment by Midland Credit management and has to stop! Midland Credit Management is a company with very questionable business practices and ethics! They purchase bulk debt for a fraction of the original amount of debt. Midland Credit Management then tries to coerse and extort individuals to pay the total original balance. This is NOT what they actually paid. What they pay is a fraction of cost on the original balance of original debt. XXXX on the XXXX! They are desperately trying to make as much money off of people as possible with no ethics! When they buy the debt in batches/bulk there isn't the individual person 's name separated with their actual/individual amount owed balance. Its just a batch name and number with the amount Midland Credit Management paid for entire/ whole batch. The debt purchase comes in batch name/numbers. This does NOT include a person 's individual name tied to it. When speaking with the attorney from XXXX XXXX XXXX at the XXXX XXXX hearing, I requested this information again from Midland Credit Management and this is the information that I received directly them via the mail. So I have proof and receipts to back up what I am saying. This is abusive! This is harassment! This extortion! This is all very wrong and corrupt. My case has been dismissed and Midland Credit Management has no right to continue trying to collect on a dismissed court case or get any money on this dismissed debt!!!

Company response to consumer: Closed with non-monetary relief