CFPB · Heavy filing volume
Encore Capital Group Inc.
62.6K CFPB complaints (heavy-volume third) · 57 states · top issue Attempts to collect debt not owed.
Encore Capital Group Inc. is in the heavy-volume third with 62.6K CFPB complaints (ranks #12 of 342). Timely 100% · relief 36% · top product Debt collection. Allegations, not findings.
- Volume rank #12 of 342
- Heavy filing volume
- +1152.1% filings 2013 to 2026
CFPB relief outcome brief
CCDB company encore-capital-group-inc
36% relief · 100% timely · 62.6K filings · Debt collection
Same-product relief peers
Nearest relief peer: Andrews & Cox, P.C. (36% relief)
Encore Capital Group Inc. closes 36% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 62.6K complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Encore Capital Group Inc. complaint mix by product
- Debt collection 50K 80.4% – 37% relief
- Credit reporting 8K 12.6% – 36% relief
- Credit reporting, 3K 4.7% – 29% relief
- Credit card 727 1.2% – 36% relief
- Credit card 291 0.5% – 28% relief
- Debt or 289 0.5% – 41% relief
- Credit reporting 107 0.2% – 22% relief
Heavy-volume mix: how Encore Capital Group Inc.'s 62.6K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 50.1K |
| Credit reporting or other personal consumer reports | 7.9K |
| Credit reporting, credit repair services, or other personal consumer reports | 2.9K |
| Credit card | 727 |
| Credit card or prepaid card | 291 |
| Debt or credit management | 289 |
| Credit reporting | 107 |
| Consumer Loan | 80 |
| Mortgage | 28 |
| Payday loan, title loan, personal loan, or advance loan | 19 |
| Checking or savings account | 19 |
| Bank account or service | 18 |
| Vehicle loan or lease | 16 |
| Payday loan, title loan, or personal loan | 9 |
| Money transfer, virtual currency, or money service | 8 |
| Payday loan | 5 |
| Student loan | 3 |
| Other financial service | 3 |
| Prepaid card | 2 |
Nationwide filing states for Encore Capital Group Inc.
Top states by attributed volume, heavy-filing company
- Leading state
- TX
- 12.4% of this company's filings
Encore Capital Group Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 12.3K
- +1152.1% vs 2013
Top States
| State | Complaints |
|---|---|
| TX | 7.7K |
| FL | 7.7K |
| CA | 6.5K |
| GA | 4.4K |
| NY | 3.5K |
| IL | 2.7K |
| PA | 2.6K |
| NJ | 2.0K |
| MI | 1.8K |
| OH | 1.8K |
| NC | 1.5K |
| SC | 1.5K |
| MD | 1.4K |
| VA | 1.4K |
| LA | 1.3K |
| AZ | 1.3K |
| AL | 1.2K |
| TN | 1.1K |
| MA | 913 |
| WA | 795 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 17.7K |
| Took or threatened to take negative or legal action | 8.1K |
| Written notification about debt | 7.7K |
| False statements or representation | 6.3K |
| Incorrect information on your report | 5.6K |
| Communication tactics | 3.7K |
| Cont'd attempts collect debt not owed | 3.0K |
| Improper use of your report | 2.7K |
| Disclosure verification of debt | 1.7K |
| Problem with a company's investigation into an existing problem | 1.7K |
| Problem with a credit reporting company's investigation into an existing problem | 831 |
| Threatened to contact someone or share information improperly | 644 |
| Taking/threatening an illegal action | 524 |
| Improper contact or sharing of info | 396 |
| Electronic communications | 338 |
| Getting a credit card | 272 |
| Problem with a purchase shown on your statement | 101 |
| Incorrect information on credit report | 96 |
| Confusing or missing disclosures | 77 |
| Other features, terms, or problems | 77 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 984 | 99% |
| 2014 | 2.6K | 99.7% |
| 2015 | 2.2K | 100% |
| 2016 | 1.6K | 100% |
| 2017 | 1.7K | 99.8% |
| 2018 | 1.9K | 100% |
| 2019 | 1.7K | 99.8% |
| 2020 | 1.9K | 99.9% |
| 2021 | 3.1K | 100% |
| 2022 | 2.7K | 100% |
| 2023 | 3.7K | 100% |
| 2024 | 8.8K | 100% |
| 2025 | 17.4K | 100% |
| 2026 | 12.3K | 100% |
Source: CFPB Consumer Complaint Database
Encore Capital Group Inc. in the heavy-volume third
Encore Capital Group Inc.'s 62,572 logged complaints reach a nationwide footprint - 57 states have at least one filing. Only 32.9% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2013 through 2026-06-26. Volume lands in the heaviest third of the indexed company corpus (#12 of 342).
Encore Capital Group Inc. answers 100% of complaints inside the CFPB's tracked window and closes 63.1% with a written explanation. 36% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Attempts to collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Encore Capital Group Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Encore Capital Group Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 62.6K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Encore Capital Group Inc. (#12 of 342; 100% timely; 36% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Heavy filing volume