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

CFPB complaint data Grade D 50,437 complaints

Encore Capital Group Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 54 states, reputation grade D.

Complaints by issue type

What consumers report about Encore Capital Group Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record encore-capital-group-inc Encore Capital Group Inc.

Grade D · 50,437 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #3 · compose #241

  • VOL 50,437
  • GRADE D
  • 12MO 18,209
  • STATES 54
  • TIMELY 100%
  • DISPUTE 18%
  • ISSUE Attempts to collect debt n…
  • RANK #3
  • COMPOSE #241

Volume peers

Nearest volume peer: Experian Information Solutions Inc. (50,287 complaints)

Portfolio Recovery Associates, LLCPortfolio Recovery Associate…48,745Resurgent Capital Services L.P.Resurgent Capital Services L…49,061Experian Information Solutions Inc.Experian Information Solutio…50,287Encore Capital Group Inc. (this)Encore Capital Group Inc. (t…50,437Equifax, Inc.Equifax, Inc.55,160
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Encore Capital Group Inc.'s 50,437 CFPB complaints sit next to Experian Information Solutions 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 →

How the 50,437 complaints break down

Every complaint issue type on record for Encore Capital Group Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
53.3/100
Encore Capital Group Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
50,437
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
18%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

Encore Capital Group Inc. spreads filings across 54 states - Texas leads at only 12.3%

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

Most-even geography
Lead state under 15%
Texas still leads at 12.3% across 54 states
Seasonal peak
2026-02 9.0%
8–15% band · 493 filings
Corpus ranks
#3 volume
#241 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Encore Capital Group Inc. compare to its peers?

How does ENCORE CAPITAL GROUP 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
ENCORE CAPITAL GROUP INC. National average
Complaints (last 12 mo)lower is better
18,209
14,628
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
18%
17%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Encore Capital Group Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 80%85%90%95%100%105% 0%5%10%15%20%25%30% Timely response rate (%) Dispute rate (%) Encore Capital Group Inc. vs. 10 similar-volume peers, by response speed and dispute rate Encore Capital Group Inc.Experian Information Solutions Inc.Resurgent Capital Services L.P.Portfolio Recovery Associates, LLCEQUIFAX, INC.TRANSUNION INTERMEDIATE HOLDINGS, INC.CL Holdings LLCCCS Financial Services, Inc.I.C. System, Inc.CAPITAL ONE FINANCIAL CORPORATIONTRANSWORLD SYSTEMS INC
Source: CFPB Consumer Complaint Database

Encore Capital Group Inc.'s complaint volume in context

Encore Capital Group Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

50,437 Top 1% higher than 100% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Encore Capital Group Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
17,856
Took or threatened to take negative or legal action
8,143
Written notification about debt
7,766
False statements or representation
6,332
Communication tactics
3,685
Cont'd attempts collect debt not owed
3,015
Disclosure verification of debt
1,734
Threatened to contact someone or share information improperly
646
Taking/threatening an illegal action
524
Improper contact or sharing of info
396

Where do complaints against Encore Capital Group Inc. come from?

Encore Capital Group Inc.'s own per-state count, not a national baseline.

Top states by complaints against Encore Capital Group Inc.

Across 54 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Encore Capital Group 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: 50,437.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.932684108962%.

4 peers

Know your rights before responding to Encore Capital Group 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.