Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
On XXXX XXXX, XXXX, an email was sent to XXXX noting the following : Good Morning, I am in the process of filing with the court paystubs with the garnishment amount of {$2000.00} paid to date noting that the final payment will be made on XX/XX/XXXX. Also, payments have not been reported to the credit bureaus or Midland Credit Management. Can you please provide me with a street address for service? Thank you, XXXX XXXX. On XXXX XXXX, 2025, an email was received from XXXX noting the following : Hello XXXX, The process for wage garnishments in Washington are very lengthy in time to complete. This garnishment has not even been in place for 90 days as of now. There are several sets of documents that are passed between our office, the employer, and the court. The employer holds the funds until the last order to release the funds is granted by the court. Yes, funds may have been withheld from your paychecks but, there is still processing time for them to be received by our office and posted to the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. XXXX, OR XXXX Tel : XXXX Fax : XXXX Web : www.gatlawfirm.com On XXXX XXXX, 2025, an email was sent to XXXX noting the following : Good afternoon, It has been over 90 days, and I have not received anything regarding the garnishment and the removal of this debt from my credit report. Please advise when this will be resolved. Thank you, XXXX XXXX On XXXX XXXX, 2025, an email was received from XXXX noting the following : Hello XXXX, I had an agent check with the court and the judge has not signed the documents as of yet. We are paying close attention for you in order to complete the process ASAP. XXXX Case Docket Inquiry ( CDK ) XXXX XXXX-XXXX XXXX XXXX ____ Case : XXXX ___ XXXX XXXX : _ ____________ __ Name : ________________________________ XXXX : __ Name/Title : MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX Civil XXXX XXXX XXXX XXXX Balance Due XXXX XXXX XXXX for XXXX XXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND WRIT OF GARNISHMENT FILED IN THE AMOUNT OF XXXX {$2500.00} XXXX XXXX XXXX WRIT/GARN FEES Received XXXX XXXX XXXX Paid by : XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX FIRST ANSWER TO XXXX FILED IN THE AMOUNT OF $ XXXX XXXX XXXX XXXX XXXX SECOND ANSWER OF GARNISHEE FILED IN THE AMOUNT OF {$2000.00} XXXX XXXX XXXX XXXX JUDGMENT AND ORDER TO PAY FILED WITH SUPPORTING DOCUMENTS IN XXXX THE AMOUNT OF {$2000.00} XXXX XXXX XXXX DATA DIS LOC DC Received XXXX XXXX XXXX Paid by : MIDLAND CREDIT MANAGEMENT XXXX XXXX REFERRED TO JUDGE/PROTEM XXXX XXXX XX/XX/XXXX, an email was sent to XXXX noting the following : Good Morning, It has been a month since I last checked on this matter. I have not seen any movement on this and am now requesting that Midland consider this case paid in full and report such to the courts. Please provide an update on the matter. Thank you, XXXX XXXX On XXXX XXXX, 2025, an email was received from XXXX noting the following : Hello XXXX, We reached out to the court last week for an update and the clerk told us about some technical issues they are having. She assured us it was sent to the judge for review. I would suggest trying to reach out to the court yourself to potentially help get this pushed along. We are doing everything possible to get this wrapped up for you. On XXXX XXXX, 2025, an email was sent to XXXX noting the following : Good Afternoon, It has been XXXX months since I last checked on this matter. I have not seen any movement on this and am now requesting that Midland consider this case paid in full and report such to the courts. Please provide an update on the matter. Thank you, XXXX XXXX On XXXX XXXX, 2025, an email was received from XXXX noting the following : Hello XXXX, The attached document was returned in the mail when we sent it to your employer. Can you provide this document to your payroll or provide us a good contact to send it. Once your employer has this document the funds will be released to our office. On XX/XX/XXXX, an email was sent to XXXX noting the following : XX/XX/XXXX Via Certified Mail and Email Midland Credit Management , Inc . Attn : Compliance Department Re : Demand for Removal/Update of Credit Reporting Case No. XXXX Midland Credit Management XXXX Inc. XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing regarding the above-referenced matter and the associated reporting of this account to the consumer reporting agencies. The judgment balance and garnishment obligation in this matter have been satisfied in full. The total garnishment amount of {$2000.00} has been paid to date, with the final payment made on XXXX XXXX, 2025. Accordingly, any continued reporting of this account as outstanding, delinquent, in collections, or carrying a balance is inaccurate and misleading. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., furnishers of credit information are required to report accurate and complete information to consumer reporting agencies. Because this obligation has been satisfied, I demand that Midland Credit Management immediately : Update all credit reporting to reflect that the account has been paid in full and carries a XXXX balance ; and/or Request removal of the tradeline from all consumer reporting agencies, including XXXX, XXXX, and XXXX ; and Cease any further negative reporting related to this account. Please provide written confirmation that the account has been updated and/or deleted from all consumer reporting agencies within 30 days of receipt of this correspondence. If Midland Credit Management fails to correct or remove inaccurate reporting after notice of payment and satisfaction, I reserve all rights available under federal and state law, including filing disputes with the consumer reporting agencies and complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, and Washington XXXX Attorney XXXX XXXX. This letter is an attempt to resolve this matter amicably and ensure accurate reporting under applicable law. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX On XXXX XXXX, 2025, an email was received from XXXX noting the following : Hello XXXX, The firm has not received any garnishment funds as of today. The judgment is still currently open and has not be paid in full so our office can file for satisfaction. Please provide the attached document to your payroll department and have them call our office with any questions. Thank you. On XXXX XXXX, 2026, an email was sent to XXXX noting the following : Thank you for your response. I am concerned by your statement that your office has not received any garnishment funds. My understanding is that wage garnishments have been withheld from my earnings pursuant to the writ issued in this matter, and I have records reflecting those deductions. As the judgment creditor and the firm responsible for enforcing the garnishment, it is your responsibility to monitor, track, and follow up on garnishment payments. Any failure by the garnishee, payroll processor, or other intermediary to properly remit funds should be addressed by your office through appropriate follow-up and reconciliation efforts. It is unreasonable to expect me to resolve discrepancies between parties involved in the garnishment process when funds have already been withheld from my wages. Before I take any further action, I request a complete accounting of the judgment, including : The original judgment amount ; Any interest, costs, or fees added since entry of judgment ; All payments your office has received and credited to date ; The current balance allegedly remaining ; and The date your office last received funds related to this garnishment. Additionally, if your office has not received funds that have been deducted from my wages, please provide documentation of the efforts your office has undertaken to contact the garnishee, payroll department, court clerk, or any other entity responsible for transmitting those funds. I also request a copy of the payment ledger and transaction history maintained by your office for this account. I have complied with the garnishment order and have had funds withheld from my earnings. If there is a discrepancy between the amounts withheld and the amounts received by your office, that discrepancy should be investigated promptly by the parties responsible for administering the garnishment process. Upon receipt of the requested accounting and supporting documentation, I will review the information and determine whether any further action is necessary. Thank you for your prompt attention to this matter. I look forward to receiving the requested records. Attached are payroll records documenting garnishment deductions from my wages. These records establish that funds were withheld pursuant to the garnishment order and should be reconciled against your payment records. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief