CFPB Consumer Complaint Profile
Encircle Collections, Inc.
Consumers have filed 10 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 10
- Total complaints
- Below average
- 0
- Last 12 months
- 80%
- Timely response
- Bottom decile
- 7
- States affected
The verdict
Encircle Collections, Inc. ranks #3715 of 3,843 financial companies by CFPB complaint volume, with 10 complaints on record. On-time replies land at 80%, the 9th percentile for the 100+ complaint peer group.
- #3715
- of 3,843 companies by volume
- 80%
- on time (9th pctile)
- Debt collection
- most-complained product
- 7
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Encircle Collections, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
80% Among the lowest higher than 9% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2015 | 3 |
| 2016 | 1 |
| 2017 | 4 |
| 2018 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Encircle Collections, Inc.
10 complaints against Encircle Collections, Inc. appear in the CFPB record, including 0 from the trailing year. The 7 states and territories represented put this footprint in geographically concentrated territory. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Cont'd attempts collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Encircle Collections, Inc.'s timely response rate stands at 80%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. Resolved cases drew a formal consumer-dispute rate of 42.9% - a rough measure of how often the first resolution missed the mark. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 10% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Encircle Collections, Inc. have?
The CFPB has logged 10 complaints against Encircle Collections, Inc. to date, of which 0 came in over the last 12 months.
Does Encircle Collections, Inc. respond to complaints on time?
CFPB complaints against Encircle Collections, Inc. draw a 80% timely-response rate inside the expected window.
What product generates the most complaints for Encircle Collections, Inc.?
"Debt collection" draws more CFPB complaints against Encircle Collections, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Encircle Collections, Inc.?
Consumers most often cite "Cont'd attempts collect debt not owed" when complaining about Encircle Collections, Inc.; the full issue list with counts is above.
How do I file a complaint against Encircle Collections, Inc.?
You can file a complaint against Encircle Collections, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Encircle Collections, Inc.?
Encircle Collections, Inc. has drawn CFPB complaints from 7 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Encircle Collections, Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (42.9% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.