Data / Consumer complaints / Encore Capital Group Inc.

Encore Capital Group Inc.: 46,931 CFPB consumer complaints in the last 3 years

Name: CFPB consumer complaints against Encore Capital Group Inc.
Creator: SpecStream
License: https://creativecommons.org/licenses/by/4.0/

Encore Capital Group Inc. drew 46,931 consumer complaints in the CFPB database in the three years to November 6, 2026, and 70,366 since 2013. The largest group, 37,144, was about debt collection, and the most common issue was “Attempts to collect debt not owed” with 15,675. The company responded on time to 99.9% of the complaints, and 32.2% closed with monetary or other relief. The CFPB records the company as ENCORE CAPITAL GROUP INC..

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46,931Complaints, last 3 years
70,366Complaints, all years
99.9%Responded on time
32.2%Closed with relief
10Products
Nov 5, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

Year	Complaints
2026, to Nov 6	20,116
2025	17,404
2024	8,805
2023	3,739
2022	2,732
2021	3,079
2020	1,950
2019	1,676
2018	1,851
2017	1,705
2016	1,558
2015	2,172
2014	2,595
2013	984

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

Product	Complaints	Share
Debt collection	37,144	79.1%
Credit reporting or other personal consumer reports	8,773	18.7%
Credit card	614	1.3%
Debt or credit management	349	0.7%
Payday loan, title loan, personal loan, or advance loan	21	0.1%
Vehicle loan or lease	11	0.1%
Checking or savings account	9	0.1%
Money transfer, virtual currency, or money service	5	0.1%
Mortgage	4	0.1%
Student loan	1	0.1%

Issues

Issue	Complaints	Share
Attempts to collect debt not owed	15,675	33.4%
Took or threatened to take negative or legal action	7,494	16%
Written notification about debt	6,018	12.8%
False statements or representation	5,537	11.8%
Incorrect information on your report	4,561	9.7%
Improper use of your report	2,400	5.1%
Problem with a company's investigation into an existing problem	1,893	4%
Communication tactics	1,608	3.4%
Threatened to contact someone or share information improperly	413	0.9%
Electronic communications	399	0.9%
Getting a credit card	176	0.4%
Confusing or missing disclosures	93	0.2%
Problem with customer service	77	0.2%
Unauthorized withdrawals or charges	69	0.1%
Problem with a purchase shown on your statement	68	0.1%
Other features, terms, or problems	61	0.1%
Credit monitoring or identity theft protection services	56	0.1%
Didn't provide services promised	42	0.1%
Fees or interest	42	0.1%
Charged upfront or unexpected fees	39	0.1%
Closing your account	36	0.1%
Struggling to pay your bill	34	0.1%
Confusing or misleading advertising or marketing	29	0.1%
Problem with fraud alerts or security freezes	18	0.1%
Problem with a company's investigation into an existing issue	16	0.1%

How the company responded

Company response	Complaints	Share
Closed with explanation	31,579	67.3%
Closed with non-monetary relief	15,078	32.1%
In progress	263	0.6%
Closed with monetary relief	11	0.1%

States

State	Complaints	Share
Texas	6,663	14.2%
Florida	5,645	12%
California	4,485	9.6%
Georgia	3,542	7.5%
New York	2,596	5.5%
Illinois	2,119	4.5%
Pennsylvania	1,836	3.9%
New Jersey	1,433	3.1%
North Carolina	1,307	2.8%
Ohio	1,294	2.8%
South Carolina	1,272	2.7%
Michigan	1,224	2.6%
Louisiana	1,136	2.4%
Alabama	1,046	2.2%
Maryland	978	2.1%
Arizona	940	2%
Virginia	914	1.9%
Mississippi	845	1.8%
Tennessee	772	1.6%
Indiana	610	1.3%
Washington	602	1.3%
Nevada	559	1.2%
Missouri	521	1.1%
Massachusetts	514	1.1%
Arkansas	396	0.8%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

Received	Product	Issue	Company response	Source
November 5, 2026	Debt collection	Written notification about debt	Closed with explanation	consumerfinance.gov
November 5, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
November 5, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
November 5, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
November 5, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
November 5, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
November 5, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
November 5, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
November 5, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
November 5, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
November 5, 2026	Debt collection	False statements or representation	Closed with explanation	consumerfinance.gov
November 5, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
November 5, 2026	Debt collection	Took or threatened to take negative or legal action	Closed with explanation	consumerfinance.gov
November 5, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
November 5, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
November 5, 2026	Debt or credit management	Problem with customer service	Closed with explanation	consumerfinance.gov
November 5, 2026	Debt or credit management	Problem with customer service	Closed with explanation	consumerfinance.gov
November 4, 2026	Debt collection	Took or threatened to take negative or legal action	Closed with explanation	consumerfinance.gov
November 4, 2026	Debt collection	Took or threatened to take negative or legal action	Closed with explanation	consumerfinance.gov
November 4, 2026	Debt collection	Took or threatened to take negative or legal action	Closed with explanation	consumerfinance.gov
November 4, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
November 4, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
November 4, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
November 4, 2026	Debt collection	Written notification about debt	Closed with explanation	consumerfinance.gov
November 4, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
November 4, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
November 4, 2026	Debt collection	Written notification about debt	Closed with explanation	consumerfinance.gov
November 4, 2026	Debt collection	Written notification about debt	Closed with explanation	consumerfinance.gov
November 4, 2026	Debt collection	Written notification about debt	Closed with explanation	consumerfinance.gov
November 4, 2026	Debt collection	False statements or representation	Closed with explanation	consumerfinance.gov
November 4, 2026	Debt collection	False statements or representation	Closed with explanation	consumerfinance.gov
November 4, 2026	Credit reporting or other personal consumer reports	Problem with a company's investigation into an existing problem	Closed with explanation	consumerfinance.gov
November 4, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
November 4, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
November 4, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
November 4, 2026	Debt collection	False statements or representation	Closed with explanation	consumerfinance.gov
November 4, 2026	Debt collection	Took or threatened to take negative or legal action	Closed with explanation	consumerfinance.gov
November 4, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
November 4, 2026	Debt collection	Took or threatened to take negative or legal action	Closed with explanation	consumerfinance.gov
November 4, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
November 4, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
November 4, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
November 4, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
November 4, 2026	Debt collection	Written notification about debt	Closed with explanation	consumerfinance.gov
November 4, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
November 4, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
November 4, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
November 4, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
November 4, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
November 4, 2026	Debt collection	False statements or representation	Closed with explanation	consumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.