Encore Capital Group Inc. Consumer Complaints
Encore Capital Group Inc. has received 60,305 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.
Data last updated: Jun 1, 2026Key Takeaways
- 60,305 total complaints on file with the CFPB.
- Most complaints are about Debt collection (48,271).
- Timely response rate: 99.9%.
- Consumer disputed rate: 18.2% of resolved complaints.
Complaints by Product
The following table shows how complaints against Encore Capital Group Inc. break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Debt collection | 48,271 | 80.0% |
| Credit reporting or other personal consumer reports | 7,524 | 12.5% |
| Credit reporting, credit repair services, or other personal consumer reports | 2,922 | 4.8% |
| Credit card | 705 | 1.2% |
| Credit card or prepaid card | 291 | 0.5% |
| Debt or credit management | 276 | 0.5% |
| Credit reporting | 107 | 0.2% |
| Consumer Loan | 80 | 0.1% |
| Mortgage | 28 | 0.0% |
| Checking or savings account | 19 | 0.0% |
| Bank account or service | 18 | 0.0% |
| Payday loan, title loan, personal loan, or advance loan | 18 | 0.0% |
| Vehicle loan or lease | 16 | 0.0% |
| Payday loan, title loan, or personal loan | 9 | 0.0% |
| Money transfer, virtual currency, or money service | 8 | 0.0% |
| Payday loan | 5 | 0.0% |
| Other financial service | 3 | 0.0% |
| Student loan | 3 | 0.0% |
| Prepaid card | 2 | 0.0% |
Most Common Issues
These are the specific issues consumers most frequently report about Encore Capital Group Inc..
Company Response Breakdown
When consumers file complaints, Encore Capital Group Inc. responds in one of several ways. The breakdown below shows how Encore Capital Group Inc. has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 37,582 | 62.3% |
| Closed with non-monetary relief | 22,185 | 36.8% |
| In progress | 440 | 0.7% |
| Closed with monetary relief | 97 | 0.2% |
| Closed | 1 | 0% |
Complaints by State
Top states where consumers have filed complaints against Encore Capital Group Inc..
| State | Complaints |
|---|---|
| Texas | 7,401 |
| Florida | 7,364 |
| California | 6,274 |
| Georgia | 4,273 |
| New York | 3,387 |
| Illinois | 2,623 |
| Pennsylvania | 2,572 |
| New Jersey | 1,907 |
| Michigan | 1,754 |
| Ohio | 1,725 |
| South Carolina | 1,473 |
| North Carolina | 1,469 |
| Virginia | 1,379 |
| Maryland | 1,362 |
| Louisiana | 1,241 |
| Arizona | 1,206 |
| Alabama | 1,163 |
| Tennessee | 1,048 |
| Massachusetts | 879 |
| Indiana | 773 |
Your Rights
What to do if you have a complaint against Encore Capital Group Inc.
- Contact Encore Capital Group Inc. directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
- File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
- File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
- Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.
Frequently Asked Questions
-
How many complaints does Encore Capital Group Inc. have?
Encore Capital Group Inc. has 60,305 consumer complaints on file with the CFPB as of our last data refresh.
-
What is the most common complaint about Encore Capital Group Inc.?
The most common issue reported is Attempts to collect debt not owed with 16,791 complaints.
-
How do I file a complaint against Encore Capital Group Inc.?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.
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Does Encore Capital Group Inc. respond to complaints on time?
Encore Capital Group Inc. has a 99.9% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.
Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed June 2026.