Encore Capital Group — CFPB Complaint Data
Data source: CFPB Consumer Complaint Database. Data current as of September 22, 2026. View the live CFPB record.
A CFPB complaint means a consumer submitted a complaint against Encore Capital Group and the company was given a chance to respond — it isn't a lawsuit, a fine, or a verified finding that the company did something wrong. Raw complaint counts also aren't adjusted for company size: a large national company will show more complaints than a small one even if it handles a lower share of its accounts poorly.
49% of Encore Capital Group's complaints on record are about "attempts to collect debt not owed" — the single most common issue category.
Have a problem with Encore Capital Group?
A CFPB complaint is free, takes about 10 minutes, and generally requires Encore Capital Group to respond within 15 days. Before you file: attach documents (statements, letters, screenshots), be specific about the product and problem, and state exactly what resolution you want.
Top complaint issues
The specific problems people reported, most common first.
- Attempts to collect debt not owed — what to do2,728
- Took or threatened to take negative or legal action — what to do1,290
- Written notification about debt — what to do747
- False statements or representation560
- Communication tactics — what to do128
Complaint trend (monthly)
State distribution
Where complaints against Encore Capital Group are coming from.