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Data / Consumer complaints / Encore Capital Group Inc. / Debt or credit management

Encore Capital Group Inc.: 349 CFPB complaints about debt or credit management, last 3 years

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

Encore Capital Group Inc. drew 349 consumer complaints about debt or credit management in the CFPB database in the three years to November 6, 2026, 0.7% of its 46,931 complaints in that time. The most common issue was “Confusing or missing disclosures”. The company responded on time to 100.0% of them, and 38.1% closed with monetary or other relief.

The request: Watch Encore Capital Group Inc.: each new CFPB complaint about debt or credit management 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.

  • 349Complaints, last 3 years
  • 0.7%Share of the company's complaints
  • 100.0%Responded on time
  • 38.1%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, 202614842.4%
12 months to Nov 6, 202512134.7%
12 months to Nov 6, 20248022.9%

Issues

IssueComplaintsShare
Confusing or missing disclosures9326.6%
Problem with customer service7722.1%
Unauthorized withdrawals or charges6919.8%
Didn't provide services promised4212%
Charged upfront or unexpected fees3911.2%
Confusing or misleading advertising or marketing298.3%

How the company responded

Company responseComplaintsShare
Closed with explanation20859.6%
Closed with non-monetary relief13137.5%
In progress82.3%
Closed with monetary relief20.6%

States

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

StateComplaintsShare
Texas4512.9%
California3810.9%
Florida339.5%
New York205.7%
Georgia185.2%
Illinois144%
Michigan144%
Ohio144%
Pennsylvania133.7%
Maryland113.2%
North Carolina102.9%
New Jersey102.9%
Tennessee102.9%
Virginia102.9%
South Carolina92.6%
Nevada72%
Kentucky61.7%
Missouri61.7%
New Mexico51.4%
Oklahoma51.4%
Alabama41.1%
Arkansas41.1%
Arizona41.1%
Wisconsin41.1%
Colorado30.9%

Latest 25 complaints

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

ReceivedProductIssueCompany responseSource
November 5, 2026Debt or credit managementProblem with customer serviceClosed with explanationconsumerfinance.gov
November 5, 2026Debt or credit managementProblem with customer serviceClosed with explanationconsumerfinance.gov
October 22, 2026Debt or credit managementProblem with customer serviceClosed with explanationconsumerfinance.gov
October 17, 2026Debt or credit managementConfusing or missing disclosuresClosed with explanationconsumerfinance.gov
October 15, 2026Debt or credit managementProblem with customer serviceIn progressconsumerfinance.gov
October 14, 2026Debt or credit managementConfusing or missing disclosuresClosed with explanationconsumerfinance.gov
October 12, 2026Debt or credit managementCharged upfront or unexpected feesClosed with explanationconsumerfinance.gov
October 12, 2026Debt or credit managementProblem with customer serviceIn progressconsumerfinance.gov
October 7, 2026Debt or credit managementProblem with customer serviceIn progressconsumerfinance.gov
October 6, 2026Debt or credit managementProblem with customer serviceIn progressconsumerfinance.gov
October 6, 2026Debt or credit managementCharged upfront or unexpected feesClosed with explanationconsumerfinance.gov
October 4, 2026Debt or credit managementProblem with customer serviceIn progressconsumerfinance.gov
October 3, 2026Debt or credit managementDidn't provide services promisedClosed with explanationconsumerfinance.gov
October 3, 2026Debt or credit managementConfusing or missing disclosuresClosed with non-monetary reliefconsumerfinance.gov
October 1, 2026Debt or credit managementProblem with customer serviceIn progressconsumerfinance.gov
September 30, 2026Debt or credit managementProblem with customer serviceClosed with explanationconsumerfinance.gov
September 28, 2026Debt or credit managementProblem with customer serviceIn progressconsumerfinance.gov
September 28, 2026Debt or credit managementDidn't provide services promisedClosed with explanationconsumerfinance.gov
September 27, 2026Debt or credit managementUnauthorized withdrawals or chargesClosed with explanationconsumerfinance.gov
September 16, 2026Debt or credit managementCharged upfront or unexpected feesIn progressconsumerfinance.gov
September 16, 2026Debt or credit managementDidn't provide services promisedClosed with explanationconsumerfinance.gov
September 14, 2026Debt or credit managementConfusing or missing disclosuresClosed with non-monetary reliefconsumerfinance.gov
September 11, 2026Debt or credit managementConfusing or missing disclosuresClosed with explanationconsumerfinance.gov
September 9, 2026Debt or credit managementConfusing or missing disclosuresClosed with explanationconsumerfinance.gov
September 8, 2026Debt or credit managementCharged upfront or unexpected feesClosed 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.