Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Your collection agency may be on the hook for thousands of dollars because you violated debt collection laws by not sending me a notice / dunning letter within the proper time frame. Hence, I didnt get the chance to dispute the account. Worse, your actions cost me a new car because my old car broke down, and when I applied for a loan to get a new car, I was denied. Now, XXXX will cost me on average {$310.00} per week to get to work. On top of that, Im going to have to pay extra money to have my child picked up from XXXX. I thought it was something I did, but when the denial letter came from the bank, it mentioned a collection account and Midland Credit is the cause of my stressful situation. Under 15 US 1692g, youre required to notify me within five days of the initial communication of the alleged debt, with initial communication being indirect via adding the account to my credit report in this case. I didnt get a notice! As I said, I wouldve disputed the account from the start. BUT, if you claim I got a notice, you should be able to prove it, whether certified mail receipt, internal mailing tracking or certificate of mailing. And since I didnt receive the dunning letter, I didnt have the chance to request verification. Therefore, Im requesting debt verification as I can under 15 USC 1692g ( 4 ), and the verification I am asking for is a sworn declaration, signed in front of a notary and notarized, by a person who has firsthand knowledge that the alleged debt is real and is owed by me. In other words, the person was present for the transaction, or they have direct access to the original creditors profit/loss statements. And since it appears youre a debt buyer, let me clarify what else I request : bill of sale with this specific account, account-level schedule, assignment & assumption agreement , purchase & sale agreement, complete chain, & transaction ledger. If you fail to provide me with proof of delivery of the dunning letter & verification documents I requested within 30 days, I expect you to delete this account from my credit reports and cease collection. So its clear on what documents Im NOT requesting or accepting, please dont send contracts, a transaction history printout, or billing statements because those are not sworn, they arent stamped by a notary, and no one witnesses anything firsthand with those items. I refuse to pay the alleged debt until real verification is provided as requested. I want you to know that I know the difference in case you try sending me contracts or statements to serve as verification. Note, the violations of the FDCPA can come with some hefty penalties, including up to {$1000.00} just for breaking the law, attorney fees if I were to win in court, as well as actual damages I incurred from not being able to get a car and the suffering that comes along with it. Combined, you could be looking at over $ XXXX. Im already dealing with enough, so Im willing to look past this if you just remove the account from my reports and cease collection efforts so we can go our separate ways and act like it never happened. But if you choose to continue reporting this account and try to collect, then I will start speaking with an attorney about the next steps.

Company response to consumer: Closed with explanation