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Data / Consumer complaints / Encore Capital Group Inc. / Debt collection

Encore Capital Group Inc.: 37,144 CFPB complaints about debt collection, last 3 years

Encore Capital Group Inc. drew 37,144 consumer complaints about debt collection in the CFPB database in the three years to November 6, 2026, 79.1% of its 46,931 complaints in that time. The most common issue was “Attempts to collect debt not owed”. The company responded on time to 99.9% of them, and 31.8% closed with monetary or other relief.

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.

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  • 37,144Complaints, last 3 years
  • 79.1%Share of the company's complaints
  • 99.9%Responded on time
  • 31.8%Closed with relief
  • Nov 5, 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, 202619,55852.7%
12 months to Nov 6, 202512,11132.6%
12 months to Nov 6, 20245,47514.7%

Issues

IssueComplaintsShare
Attempts to collect debt not owed15,67542.2%
Took or threatened to take negative or legal action7,49420.2%
Written notification about debt6,01816.2%
False statements or representation5,53714.9%
Communication tactics1,6084.3%
Threatened to contact someone or share information improperly4131.1%
Electronic communications3991.1%

How the company responded

Company responseComplaintsShare
Closed with explanation25,12067.6%
Closed with non-monetary relief11,79731.8%
In progress2190.6%
Closed with monetary relief80.1%

States

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

StateComplaintsShare
Texas5,29714.3%
Florida4,38211.8%
California3,5099.4%
Georgia2,7747.5%
New York2,0265.5%
Illinois1,6244.4%
Pennsylvania1,4133.8%
New Jersey1,1273%
North Carolina1,0792.9%
South Carolina1,0492.8%
Ohio1,0002.7%
Michigan9822.6%
Louisiana9312.5%
Alabama8012.2%
Arizona7952.1%
Maryland7522%
Virginia7402%
Mississippi7282%
Tennessee6121.6%
Washington5421.5%
Indiana4891.3%
Nevada4361.2%
Massachusetts4211.1%
Missouri3951.1%
Arkansas3130.8%

Latest 25 complaints

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

ReceivedProductIssueCompany responseSource
November 5, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
November 5, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 5, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 5, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 5, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 5, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 5, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 5, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 5, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 5, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 5, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
November 5, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 5, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
November 5, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 5, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 4, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
November 4, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
November 4, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
November 4, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 4, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 4, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 4, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
November 4, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 4, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 4, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.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.