Encore Capital Group Complaint: Disclosure verification of debt

#1358293 4 May 2015

Debt collection Credit card

Complaint #1358293 submitted on 05/04/2015 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 4th May 2015.

Narrative (may be redacted).

I XXXX contacted XXXX by certified letter in XX/XX/XXXX requesting debt validation including : Name of the original creditor, including account number.
Original amount owed, including a complete payment history, starting with the original creditor.
Finally, Documentation that indicates that I agreed to pay someone this sum of money.
XXXX responded with a letter dated XX/XX/XXXX on company letterhead just stating that they are unable to determine the nature of my dispute and that they are closing the investigation. None of the information I requested was provided. I contacted XXXX as a final attempt by phone sometime around XXXX XXXX requesting once again for the following information to properly validate the debt : A complete payment history, starting with the original creditor.
Copy of the contract that states I promise to pay this back from the original creditor.
I was told by XXXX 's collector that I missed my validation period and they could therefore not provide me with the copy of the contract nor a complete payment history from when the account was with the original creditor. I then asked when did my validation period end. He said it ended 90 days after the account went into collections which he said was XX/XX/XXXX. I am confused by what he said. I am simply asking XXXX to provide me the information I requested to complete my validation.

Company Encore Capital Group
Complaint ID 1358293
Date Received 05/04/2015
Product Debt collection Credit card
Issue Disclosure verification of debt Not given enough info to verify debt
State/ZIP Code TX 782XX
Consumer Consent Consent provided
Company Public Response
Company Response To Customer Closed with explanation
Submitted Web 05/04/2015
Result Timely Response: Yes, Consumer Disputed: Yes
 

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