What is the most common complaint against Encircle Collections, Inc.?

The most common issue consumers report about Encircle Collections, Inc. is "Cont'd attempts collect debt not owed", specifically "Debt resulted from identity theft". This is based on 9 complaints filed with the CFPB.

Are complaints against Encircle Collections, Inc. increasing or decreasing?

Complaints against Encircle Collections, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Encircle Collections, Inc.'s reputation grade?

Encircle Collections, Inc. has a reputation grade of C (score: 56.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Encircle Collections, Inc. respond to consumer complaints?

Encircle Collections, Inc. has a 78% timely response rate to CFPB complaints. Consumers disputed the company's response in 43% of cases.

In how many states does Encircle Collections, Inc. operate?

Encircle Collections, Inc. has received CFPB complaints from consumers in 6 states, with the most complaints from Georgia (2 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Encircle Collections, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 6 states, reputation grade C.

Compiled by PlainCollector

Cont'd attempts collect debt not owed

3
Communication tactics

2
Attempts to collect debt not owed

1
Written notification about debt

1
False statements or representation

1
Disclosure verification of debt

1

Data updated September 2026

CFPB complaint disposition

CCDB record encircle-collections-inc Encircle Collections, Inc.

Grade C · 9 CFPB filings · 78% timely · lead issue: Cont'd attempts collect debt not owed · vol #2594 · compose #3084

VOL 9
GRADE C
12MO 0
STATES 6
TIMELY 78%
DISPUTE 43%
ISSUE Cont'd attempts collect de…
RANK #2,594
COMPOSE #3,084

Volume peers

Nearest volume peer: 1st Results Billings & Collections, Inc. (9 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Encircle Collections, Inc.'s 9 CFPB complaints sit next to 1st Results Billings & Collections, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Filing geometry

Georgia is the plurality state for Encircle Collections, Inc. (22.2%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state: Georgia 22.2%; Mid-band (15–30%) · 6 states with ≥1 filing
Seasonal peak: 2015-04 14.3%; 8–15% band · 1 filings
Corpus ranks: #2,594 volume; #3,084 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does Encircle Collections, Inc. compare to its peers?

How does Encircle Collections, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Encircle Collections, … National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

78%

91%

Consumer-dispute ratelower is better

43%

33%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-04 2025-03

Issue Detail Breakdown

Issue	Complaints
Cont'd attempts collect debt not owed	3
Communication tactics	2
Attempts to collect debt not owed	1
Written notification about debt	1
False statements or representation	1
Disclosure verification of debt	1

Where do complaints against Encircle Collections, Inc. come from?

Encircle Collections, Inc.'s own per-state count, not a national baseline.

Georgia

2
Maryland

2
Ohio

2
Mississippi

1
Texas

1
West Virginia

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Encircle Collections, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 9.

4 peers

Know your rights before responding to Encircle Collections, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.