What is the most common complaint against Encore Capital Group Inc.?

The most common issue consumers report about Encore Capital Group Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 50,437 complaints filed with the CFPB.

Are complaints against Encore Capital Group Inc. increasing or decreasing?

Complaints against Encore Capital Group Inc. are rising. The company received 18,209 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Encore Capital Group Inc.'s reputation grade?

Encore Capital Group Inc. has a reputation grade of D (score: 53.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Encore Capital Group Inc. respond to consumer complaints?

Encore Capital Group Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 18% of cases.

In how many states does Encore Capital Group Inc. operate?

Encore Capital Group Inc. has received CFPB complaints from consumers in 54 states, with the most complaints from Texas (6,205 complaints).

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

Encore Capital Group Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 54 states, reputation grade D.

Compiled by PlainCollector

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

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 #3676

VOL 50,437
GRADE D
12MO 18,209
STATES 54
TIMELY 100%
DISPUTE 18%
ISSUE Attempts to collect debt n…
RANK #3
COMPOSE #3,676

Volume peers

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

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 →

Distributed filing map

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

Despite a broad state map, Encore Capital Group Inc. still sits volume #3 against composite #3,676 - the two RankMaps diverge by 3,673 places. 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
Divergent corpus ranks: #3 volume; #3,676 composite; Cleanest-composite ladder is 3,673 places worse than volume

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 I… National average

Complaints (last 12 mo)lower is better

18,209

14,628

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

18%

17%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Texas

6,205
Florida

6,086
California

5,234
Georgia

3,468
New York

2,797
Illinois

2,122
Pennsylvania

2,067
New Jersey

1,589

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.