Encore Capital Group Inc.
Open-data reference.
Debt Collector, CFPB Complaint Profile Specializes in: Credit card debt
CFPB collection forwarding receipt
Forwarded record DC-ENCORE-CAPITAL-GRO Encore Capital Group Inc.
44,397 DC complaints · rank #1/656 · 99.9% timely
- DC 44,397
- RANK #1/656
- TIMELY 99.9%
- RELIEF 38.9%
- DISPUTE 18.2%
- STATES 56
- ISSUE Attempts to collect debt no…
- RESP Closed with explanation
- PHOTO Resurgent Capital Services…
Volume peers
Photo peer: Resurgent Capital Services L.P. (43,703)
Encore Capital Group Inc.'s 44,397 debt-collection complaints sit next to Resurgent Capital Services L.P. (43,703) on the volume neighbourhood; peer NAMES stay, and the receipt VALUES are this collector's. Full complaint profile for Encore Capital Group Inc. →
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 984 |
| 2014 | 2,596 |
| 2015 | 2,173 |
| 2016 | 1,559 |
| 2017 | 1,705 |
| 2018 | 1,851 |
| 2019 | 1,676 |
| 2020 | 1,950 |
| 2021 | 3,079 |
| 2022 | 2,732 |
| 2023 | 3,739 |
| 2024 | 8,806 |
| 2025 | 17,401 |
| 2026 | 5,300 |
Complaints by State (Top 15)
What the CFPB Record Shows for Encore Capital Group Inc.
Encore Capital Group Inc. sits at #1 of 656 debt collectors in this extract by debt-collection complaint volume (100th percentile), the same ordering shown on /collectors. 44,397 debt-collection complaints against Encore Capital Group Inc. appear in the CFPB record - 79.9% of the 55,551 complaints filed about this entity. The 56 states and territories represented make this a nationwide operation by complaint volume. Consumers most frequently describe "Credit card debt" as the debt type behind their complaint about this collector. The single most-cited specific issue is "Attempts to collect debt not owed" - a useful starting point for understanding where the friction between this collector and consumers most frequently occurs.
The company's timely response rate is 99.9%, meaning that share of CFPB-forwarded complaints received a reply within the 15-day window the Bureau expects. That is at or above benchmark levels, pointing to an intake process working as intended. 38.9% of resolved cases against this company closed with some form of consumer relief, a relatively high ratio for the debt-collection segment. In 18.2% of resolved cases, the consumer formally disputed the response - a rough measure of how often the first resolution missed the mark.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Full complaint profile for Encore Capital Group Inc. → · All debt collectors →
Nationwide collectors with similar complaint volume or dispute rates
Two CFPB peer sets for Encore Capital Group Inc.: nearest debt collectors by debt-collection complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the volume strip on the forwarding receipt above.
Similar complaint volume
Nearest collectors by debt-collection complaint count (44,397 here).
Similar dispute rates
Nearest collectors by share of complaints marked disputed (18.2% here).
Frequently asked questions
How many CFPB debt-collection complaints does Encore Capital Group Inc. have?
The CFPB extract lists 44,397 debt-collection complaints against Encore Capital Group Inc. (#1 of 656 collectors by volume).
Does Encore Capital Group Inc. respond to CFPB complaints on time?
CFPB complaints against Encore Capital Group Inc. show a 99.9% timely-response rate.
What issue do consumers cite most about Encore Capital Group Inc.?
Consumers most often name "Attempts to collect debt not owed" when complaining about Encore Capital Group Inc..
How should I read Encore Capital Group Inc.'s CFPB complaint record?
Encore Capital Group Inc.'s profile is a CFPB data extract for research. For rights and filing mechanics, use the debt-collection rights and how-to-file-CFPB-complaint guides on this site.
Related guides: Debt collection rights · How to file a CFPB complaint · Reading CFPB complaint data
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.