CFPB Consumer Complaint Profile
Encore Capital Group Inc.
What 55,551 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-05-15
- 55,551
- Total complaints
- 19,059
- Last 12 months
- 99.9%
- Timely response
- 56
- States affected
The verdict
Out of 3,848 financial companies in the CFPB database, Encore Capital Group Inc. has accumulated 55,551 complaints, placing it #12 by volume. It answers 99.9% of complaints on time - above the 93% median for companies with 100+ complaints.
- #12
- of 3,848 companies by volume
- 99.9%
- answered on time
- Debt collection
- most-complained product
- 56
- states with complaints
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 |
|---|---|
| 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)
Company Responses
What the CFPB Complaint Record Shows for Encore Capital Group Inc.
55,551 complaints against Encore Capital Group Inc. appear in the CFPB record, including 19,059 from the trailing year. The 56 states and territories represented put this footprint in nationwide territory. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Encore Capital Group Inc.'s timely response rate stands at 99.9%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is at or above benchmark levels, a sign the company handles intake and escalation well. In 18.2% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. 38.9% of resolved complaints ended with some monetary or non-monetary relief for the consumer.
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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
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 Encore Capital Group Inc. have?
The CFPB has logged 55,551 complaints against Encore Capital Group Inc. to date, of which 19,059 came in over the last 12 months.
Does Encore Capital Group Inc. respond to complaints on time?
99.9% of the CFPB complaints against Encore Capital Group Inc. get a response within the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for Encore Capital Group Inc.?
Among all products tied to Encore Capital Group Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Encore Capital Group Inc.?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Encore Capital Group Inc. - see all issues and counts above.
How do I file a complaint against Encore Capital Group Inc.?
You can file a complaint against Encore Capital Group 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 Encore Capital Group Inc.?
Encore Capital Group Inc. has drawn CFPB complaints from 56 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~55,551)
Also handles Debt collection
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.