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Data / Consumer complaints / Encore Capital Group Inc. / Credit card

Encore Capital Group Inc.: 614 CFPB complaints about credit card, last 3 years

Updated November 7, 2026. Source: CFPB Consumer Complaint Database.

Encore Capital Group Inc. drew 614 consumer complaints about credit card in the CFPB database in the three years to November 6, 2026, 1.3% of its 46,931 complaints in that time. The most common issue was “Getting a credit card”. The company responded on time to 100.0% of them, and 36.0% closed with monetary or other relief.

The request: Watch Encore Capital Group Inc.: each new CFPB complaint about credit card by issue, with the date and the company response. $10 of work on sign-up, no card.

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SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

  • 614Complaints, last 3 years
  • 1.3%Share of the company's complaints
  • 100.0%Responded on time
  • 36.0%Closed with relief
  • Oct 31, 2026Latest received

By period

The three years are cut into 12 month periods ending on the date of the latest data.

PeriodComplaintsShare
12 months to Nov 6, 202623638.4%
12 months to Nov 6, 202521034.2%
12 months to Nov 6, 202416827.4%

Issues

IssueComplaintsShare
Getting a credit card17628.7%
Incorrect information on your report11618.9%
Problem with a purchase shown on your statement6811.1%
Other features, terms, or problems619.9%
Fees or interest426.8%
Closing your account365.9%
Struggling to pay your bill345.5%
Improper use of your report294.7%
Problem with a company's investigation into an existing problem213.4%
Problem when making payments152.4%
Advertising and marketing, including promotional offers71.1%
Credit monitoring or identity theft protection services61%
Problem with fraud alerts or security freezes20.3%
Trouble using your card10.2%

How the company responded

Company responseComplaintsShare
Closed with explanation38963.4%
Closed with non-monetary relief22136%
In progress40.7%

States

Where the consumers who complained live, as they gave it to the CFPB.

StateComplaintsShare
Florida7812.7%
California599.6%
Texas538.6%
Georgia498%
New York447.2%
Illinois274.4%
New Jersey223.6%
Ohio223.6%
Michigan213.4%
Virginia203.3%
Maryland182.9%
Pennsylvania162.6%
Alabama142.3%
North Carolina142.3%
Massachusetts132.1%
South Carolina132.1%
Kentucky111.8%
Tennessee111.8%
Indiana101.6%
Arkansas91.5%
Nevada91.5%
Louisiana81.3%
Arizona71.1%
Connecticut71.1%
Oklahoma71.1%

Latest 25 complaints

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

ReceivedProductIssueCompany responseSource
October 31, 2026Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
October 24, 2026Credit cardCredit monitoring or identity theft protection servicesIn progressconsumerfinance.gov
October 21, 2026Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
October 20, 2026Credit cardProblem when making paymentsClosed with explanationconsumerfinance.gov
October 19, 2026Credit cardFees or interestClosed with explanationconsumerfinance.gov
October 18, 2026Credit cardProblem with a purchase shown on your statementClosed with explanationconsumerfinance.gov
October 14, 2026Credit cardFees or interestClosed with explanationconsumerfinance.gov
October 11, 2026Credit cardProblem with a purchase shown on your statementClosed with explanationconsumerfinance.gov
October 10, 2026Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
October 9, 2026Credit cardIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 9, 2026Credit cardOther features, terms, or problemsClosed with explanationconsumerfinance.gov
October 8, 2026Credit cardGetting a credit cardIn progressconsumerfinance.gov
October 8, 2026Credit cardFees or interestIn progressconsumerfinance.gov
October 7, 2026Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
October 4, 2026Credit cardStruggling to pay your billClosed with explanationconsumerfinance.gov
September 29, 2026Credit cardStruggling to pay your billIn progressconsumerfinance.gov
September 28, 2026Credit cardOther features, terms, or problemsClosed with explanationconsumerfinance.gov
September 26, 2026Credit cardOther features, terms, or problemsClosed with explanationconsumerfinance.gov
September 26, 2026Credit cardFees or interestClosed with explanationconsumerfinance.gov
September 24, 2026Credit cardClosing your accountClosed with explanationconsumerfinance.gov
September 24, 2026Credit cardProblem with a purchase shown on your statementClosed with explanationconsumerfinance.gov
September 23, 2026Credit cardOther features, terms, or problemsClosed with non-monetary reliefconsumerfinance.gov
September 21, 2026Credit cardIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 17, 2026Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
September 16, 2026Credit cardIncorrect information on your reportClosed with explanationconsumerfinance.gov

Also on SpecStream

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.