Encore Capital Group Inc.
62.6K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
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
How Encore Capital Group Inc.'s 62.6K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary 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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Encore Capital Group Inc.
Encore Capital Group Inc.'s 62,572 logged complaints reach a nationwide footprint - 57 states have at least one filing on record. Only 32.9% of filings carry a written consumer narrative, so most of this record is coded categories rather than the verbatim complaint text. Records run from 2013 through 2026-06-26.
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..
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.
Frequently Asked Questions
How many CFPB complaints does Encore Capital Group Inc. have?
62,572, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Encore Capital Group Inc. respond to complaints on time?
100% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Encore Capital Group Inc.?
"Attempts to collect debt not owed", filed under the "Debt collection" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.