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 2026-08-14
- 55,551
- Total complaints
- Among the highest
- 19,059
- Last 12 months
- 99.9%
- Timely response
- Top decile
- 56
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Encore Capital Group Inc. has accumulated 55,551 complaints, placing it #12 by volume. It posts a 99.9% on-time response rate, the 82nd percentile among companies with 100+ complaints.
- #12
- of 3,843 companies by volume
- 99.9%
- on time (82nd pctile)
- Debt collection
- most-complained product
- 56
- 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.
Encore Capital Group Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.9% Top 18% higher than 82% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 8,806 in 2024 to 17,401 in 2025 (2024 → 2025).
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 |
| 2026year in progress | 5,300 |
Complaints by State (Top 15)
Company Responses
Encore Capital Group Inc. Complaint Concentration Profile
Encore Capital Group Inc. is a high-volume CFPB cohort (55,551 complaints) - enough filings to measure how concentrated the product and issue mix is, not just the headline totals. Across 68 named product lines in the stored breakdown, the leading three (Debt collection, Debt collection, Credit reporting or other personal consumer reports) hold a 77.7% share of product-tagged complaints. The Herfindahl index on that product mix is 0.243 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Attempts to collect debt not owed, Written notification about debt, Took or threatened to take negative or legal action) cover a 52.8% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (Florida, Texas, California) hold a 34.8% share of state-tagged volume across 56 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 59.7% share among the 55,551 response-tagged complaints (33,185 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2025 (17,401 complaints); the lightest year on file was 2013 (984). From 2024 to 2025, annual volume rose 97.6% (8,806 → 17,401). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
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. Resolved cases drew a formal consumer-dispute rate of 18.2% - 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 38.9% 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 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?
CFPB complaints against Encore Capital Group Inc. draw a 99.9% timely-response rate inside 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Encore Capital Group 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 complaint volume
Nearest companies by total CFPB complaint count (55,551 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (18.2% 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.