Total CFPB complaints
9
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 9 complaints
Encircle Collections, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 6 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Encircle Collections, Inc.
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
3 complaints
- Communication tactics
Communication tactics
2 complaints
- Attempts to collect debt not owed 1
Attempts to collect debt not owed
1 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
- False statements or representation 1
False statements or representation
1 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
C
Grade C · 61.0/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Encircle Collections, Inc.?
Encircle Collections, Inc. has accumulated 9 total CFPB complaints across 6 states, with 0 filed in the most recent 12 months against 9 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt resulted from identity theft", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 78% timely-response rate against a 43% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 6 states, led by Maryland with 2 and Ohio with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 61.0/100 places Encircle Collections, Inc. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
6
Distinct state filings
Timely response rate
78%
Within CFPB SLA window
Consumer disputes
43%
After company response
Reputation grade
C
61.0/100 composite
Response-quality profile
How Encircle Collections, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 77.8%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 85.7%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 10.7%
Share of US states + territories with at least one filed complaint against this collector.
How does Encircle Collections, Inc. compare to its peers?
Encircle Collections, … National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2015-02 2018-06
Top Consumer Issues
Cont'd attempts collect debt not owed3 (%)
Attempts to collect debt not owed1 (%)
Written notification about debt1 (%)
False statements or representation1 (%)
Communication tactics2 (%)
Disclosure verification of debt1 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 2 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Communication tactics | Used obscene/profane/abusive language | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
Where do complaints against Encircle Collections, Inc. come from?
The states where consumers have filed the most CFPB complaints against Encircle Collections, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Encircle Collections, Inc.
Across 6 states with at least one filing
- Maryland
Maryland
2 complaints
- Ohio
Ohio
2 complaints
- Georgia
Georgia
2 complaints
- Mississippi
Mississippi
1 complaints
- West Virginia
West Virginia
1 complaints
- Texas
Texas
1 complaints
Frequently Asked Questions
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. have been stable. The company received 0 complaints in the last 12 months.
What is Encircle Collections, Inc.'s reputation grade? ▼
Encircle Collections, Inc. has a reputation grade of C (score: 61.0/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 Maryland (2 complaints).
What can I do if Encircle Collections, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Encircle Collections, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |