Consumer complaint received 2025-06-14 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: NJ

Complaint narrative:
Recently, I received an email from a past creditor, XXXX XXXX XXXX XXXX XXXX XXXX This card was closed over a year ago with at the time, has a balance of about {$350.00}. I closed this account after being criticality injured in the line of duty, as a federal law enforcement official, This affected me and my family not only emotionally but economically. I closed this card due directly to unable to continue normal monthly payments, while awaiting XXXXXXXX XXXX XXXX and Social Security pension ( XXXX related to work injury ). After speaking with XXXX XXXX  on a phone call about this account, I was placed in a customer assistance program, paying $ XXXX  monthly for 6 months. At the completion of such, if I was still unable to resume normal payments, just call and another assistant program would be considered. In XX/XX/XXXX, completing this 1st assistance program and still not able to resume normal payments, I was placed on another assistance program, buy continuing and resuming $ XXXX monthly payments till paying back a certain amount, I believe was {$190.00}. Any balance after, which was about {$150.00} or so would be forgiven in the issue of a 1099c form by XXXX XXXX  XX/XX/XXXX I believe was last payment of {$10.00} I never received that 1099c form but instead, began receiving email and letter to missing payments to this account. I called XXXX bank and explained the situation and they informed me they would look into this. Over the next several months, XXXX XXXX continued to assess late fees and charges to a balance of {$150.00} or so to a balloon amount of {$500.00}. I received an email as to this account was sold to a debit collection company, Midland Credit Management Inc. I did call XXXX XXXX  again after receiving this and was told that they no longer have the account and can not access the account any longer. I filed a CFPB complaint against both XXXX XXXX  and Midland Credit Management Inc on XX/XX/XXXX. In that complaint, I fully explained the above situation and also informed Midland Credit Management Inc to also consider this my official demand of cease and desist in contacting me. On XX/XX/XXXX I received a collection letter from Midland Credit Management Inc, against my official request and demand to not contact me and to cease and desist further communication. This recent collection letter I received is in direct violation of my consumer protection rights under the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ). Im filling this complaint directly in regards of this collection company, Midland Credit Management Inc ignoring my legal request and demand to cease and desist further communication with me which evidence is on this government website prior complaint sent to Midland Credit Management but has chosen to ignore my demand and violate my consumer rights which are protected under Federal and state law. Im sending a written letter of demand of cease and desist to Midland Credit Management along with additional documents by certified mail on XX/XX/XXXX. 
Any further attempts to communicate with me as to this alleged debt, fraudulent claims of such as of this complaint filing date will result in a formal complaint to the FTC and a civil small claims complaint filed against Midland Credit Management Inc for violating my consumer protection rights under the Federal Fair Debt Collection Act. Any potential negative comments or collection notices placed on any of my three credit reporting agencies, XXXX XXXX XXXX  XXXX will result in a civil action against your company for fraudulent reporting and defamation of character. This is now the ( 2 ) second complaint filed against a company, Midland Credit Management Inc for attempting to collect on an alleged debt thats not owed, has been closed and completed a customer assistance which this account was considered closed, payed as agreed in settlement. Such notes to such are legally listed and noted on the credit reports.

Company response to consumer: Closed with non-monetary relief