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“Midland Funding is reporting an account settled with creditor and the creditor removed from my credit report.

The following two real-world examples of complaints against Encore Capital/Midland illustrate these types of alleged violations. Examples of common complaints against Encore/Midland include trying to collect a debt not owed and improper communication tactics. What Are Common Complaints Against Encore Capital/Midland?Īs of August 2018, the Consumer Financial Protection Bureau (CFPB) has received over 10,000 complaints related to the debt collection practices of Encore Capital/Midland. If Encore Capital/Midland Credit Management has contacted you, it is important that you learn your rights and how best to protect yourself before offering any response. Encore Capital/Midland purchases packages of debt from these companies, and then tries to collect the debt from customers. Major banks, retailer businesses, and telecom companies all use Encore/Midland as a debt collector. Nonetheless, Encore Capital/Midland is not a scam and they are in fact an authorized debt collection agency. Other examples of alleged violations include attempting to collect a debt not owed, threatening to contact an employer and sharing information improperly, and improper communication tactics. Some consumer reviews have accused Encore/Midland of making false statements or representations in pursuit of debt collection. In 2013, Encore Capital Group purchased another debt buying company which was known as Asset Acceptance.Įncore Capital/Midland has received many consumer complaints claiming Fair Debt Collection Practices Act (FDCPA) violations. Additionally, they have offices in several states throughout the US, including one location in St. Though originally founded in Kansas, the collections agency is now based in San Diego, California.

Midland Credit Management (which is now a subsidiary of Encore Capital Group) was founded over sixty years ago, in 1953. The company does business in fifteen countries worldwide. Who is Encore Capital/Midland? Is This A Scam?Įncore Capital Group, Inc, also known as Midland Credit Management or Midland Funding, is the largest publicly traded debt buyer in the United States.

Midland credit management encore capital group