Consumer complaint received 2023-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX XXXX the name of this creditor company. I have a whole folder from XXXX XXXX  for the last couple of years where it shows proof of being off and on my reports. I have two documents showing and these are the original ones from XXXX XXXX  saying that the two accounts it's that close and the balance at XXXX. XXXX XXXX and XXXX XXXX. I talked to her attorney and he stated to me that as long as I have any document proof in the fact that they was paid off to XXXX from the companies and saying that it was closed which I told them at that time after they were both reserved. And for the past almost 5 years I think they've been out to get me and mess up and destroy my credit score this credit company. They have given my information out so I've been getting all these hard a hit on my credit. I've sent them out all the information on both of them I faxed out one piece and then I also maul out the other. Now they're trying to sue me. And I can't even contact these people at all they either scream at me they're rude and unprofessional. keep me on hold and hang up. Recorded the last conversation I had with them I just got to find it I have a couple recordings of their conversations who I talking. I'm saying is according to the attorney that they are closed and the amount o is XXXX. Which I do I can show you guys I can show anybody these two I have them but I also have a whole folder of other evidence. I have one where XXXX XXXX  attacked both of the credit bureaus an XXXX they wiped my whole entire accounts. I don't know some shady there I actually had two accounts reopened back up because I contacted at least one which is time and they don't ask for any type of payments as long as cash goes into their card they can collect it the data. And I have all this. They threatened to sue me. I'm saying this now XXXX XXXX and you guys at XXXX or going to get attacked by this incident cuz you guys are reporting false information and hey I'm trying to make this right. I'm trying to finally be free off of this torture to where this stops messing up everything for me with this credit stuff this. Like I remember 4 years I couldn't even do nothing. And this is after I paid for it they negatory marked me twice for these. Like I said they are false they are illegal and if you guys don't investigate trust me I'm looking out for you just like how I said for XXXX XXXX. Because honestly they're all look at you guys as hey you guys are putting on the report. So I'm letting you guys now about this immediately. I am a father and I'm also a husband I'm working man. This right here has been five to six years of mentally abuse and not allowing me to do nothing. If you look onto my report you'll see that I actually had nine accounts open so there was XXXX made and give them to me. But because of them I have never even had a chance to take out a loan or reach over like XXXX or XXXX. Like you guys are marking late stuff when they're not even opening anymore they are closed I repeat they're close and paid off. Investigate This please because. Tomorrow I am going to be on the phone with my attorney and we'll get to the bottom of this fair and square. I'm telling you I've already got told by four of them that this is a solid case. So please open your eyes and look at this before this creditor embarrasses you and XXXX XXXX. Thank you for having me out investigate this and there should be no way. They should be only two accounts right now one is XXXX XXXX. And XXXX XXXX are the only companies that should be on there at this point all the rest should be closed. And my credit score should be way over XXXX by now. But hey just send you a message relying it over passing too because this point it makes you guys look like you guys will part of this and that you didnt really look into it and it shows that you are signing with this party by letting it happen. Because I sent so many disputes I've actually sent many different types of things to show this and I'm just letting you guys know politely and respectfully to really look into this because I'm already doing my research yeah we've been for the last couple of months. So trust me I'm bringing the receipts so this is me lastly just letting you guys know respectful.

Company response to consumer: Closed with non-monetary relief