Complaint #1469056 submitted on 07/15/2015 relating to Encore Capital Group. Complaint relates to Debt collection Credit card - Disclosure verification of debt Not given enough info to verify debt.
Complaint was submitted via Web and sent to the company on Monday 20th July 2015.
I wrote Midland Funding a debt validation letter on XXXX XXXX, 2015 via USPS Certified Mail with Return Receipt ( See Midland Return Receipt Attachment ). I asked Midland Funding to provide written documentation proving that the alleged debt belonged to me. ( Please see XXXX Validation Letter Attachment ).
I asked Midland Funding to provide the following : -What the money you say I owe is for-Explain and show me how you calculated what you say I owe ; -Provide me with copies of any papers that show I agreed to pay what you say I owe-Provide a verification or copy of any judgment if applicable ; - Identify the original creditor ; -Prove the Statute of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and-Provide me with your license numbers and Registered AgentI received a letter from Midland Funding on XXXX XXXX , 2015 ( the letter is dated XXXX XXXX, 2015 but it was not received until XXXX/XXXX/15 via USPS ) that simply stated that their records showed no inaccuracies ( See Midland Funding Response Attachment ). They did not provide adequate information to prove that the alleged debt belongs to me.
| Company | Encore Capital Group |
| Complaint ID | 1469056 |
| Date Received | 07/15/2015 |
| Product | Debt collection Credit card |
| Issue | Disclosure verification of debt Not given enough info to verify debt |
| State/ZIP Code | TX 768XX |
| Consumer Consent | Consent provided |
| Company Public Response | |
| Company Response To Customer | Closed with explanation |
| Submitted | Web 07/20/2015 |
| Result | Timely Response: Yes, Consumer Disputed: Yes |
Leave your comments and feedback below.