December 2015 Complaints Against Encore Capital Group

Compiled from Public Data by FairShake

If you have an issue with Encore Capital Group, you’re not alone.

The US government’s Consumer Financial Protection Bureau (CFPB) collects complaints against financial companies.

In 2015, the CFPB received 2173 complaints against Encore Capital Group. Encore Capital Group ranked Number 14 among all financial companies for the most complaints.


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Complaint Details:

Date of Complaint: December 29, 2015

Company Official Name: ENCORE CAPITAL GROUP INC.

State: WI

Product: Debt collection
Sub-Product: Other (i.e. phone, health club, etc.)

Issue: Taking/threatening an illegal action
Sub-Issue: Sued where didn’t live/sign for debt

Full Complaint:
Rec letter fr Midland Credit re : XXXX saying I had a balance of {0.00} in a debt collection acct that could be settled for {0.00} if I paid now. According to a call I made to, XXXX XXXX XXXX XXXX this was for a 2008 acct. MCM acct XXXX. Orig acct XXXX.
I ‘m do not owe this. I currently have XXXX accts with XXXX that are current, I have contacted my local XXXX store, but not much help. This may be a scam. Please, I need some help.

Complaint Tags: Older American, Servicemember

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 29, 2015

Company Official Name: ENCORE CAPITAL GROUP INC.

State: NC

Product: Credit card

Issue: Other

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 29, 2015

Company Official Name: ENCORE CAPITAL GROUP INC.

State: TX

Product: Debt collection
Sub-Product: I do not know

Issue: Communication tactics
Sub-Issue: Frequent or repeated calls

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 30, 2015

Company Official Name: ENCORE CAPITAL GROUP INC.

State: OH

Product: Debt collection
Sub-Product: Credit card

Issue: Cont’d attempts collect debt not owed
Sub-Issue: Debt is not mine

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 30, 2015

Company Official Name: ENCORE CAPITAL GROUP INC.

State: WA

Product: Debt collection
Sub-Product: I do not know

Issue: Communication tactics
Sub-Issue: Frequent or repeated calls

Full Complaint:
This MCM Midland Credit Management called me several times per week for over a years time. I was afraid to answer the phone. I did make them one payment and arranged for a second payment. I called the MCM phone number I had from a previous debt I just paid off. They said my account was clear and I did not owe anything. So this MCM or supposed MCM from XXXX XXXX kept calling me and would sometimes offer me a settlement. I am suspicious if they are even real. This does not show up on my credit report. I still continue to get letters and they add to my ” balance ”. Not to sure what to do with these people. Is this a scam?

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: December 30, 2015

Company Official Name: ENCORE CAPITAL GROUP INC.

State: CO

Product: Debt collection
Sub-Product: Other (i.e. phone, health club, etc.)

Issue: Improper contact or sharing of info
Sub-Issue: Talked to a third party about my debt

Full Complaint:
I am beside myself. I have been working on repairing my credit for several years. I had one XXXX credit card left over that was sold to Midland Credit Management , Inc located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX. Phone number XXXX. I have read terrible things online about this debt collector, especially that they try to collect on debts that are not existent. I have received many scam phone calls and letters over fake debt in the past, so I am very careful. I have called this company repeatedly and there call center is outsourced to XXXX. The representatives do not listen, they just keep repeating the account number and the debt amount due. It is my full intention to pay this debt and have offered so to this company. I am the one calling the debt collector trying to pay the debt off. I did not have a payment plan with them and I have made 3 payments to them since I received their first letter. Payments have been made XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. I have offered to make another payment this month, XX/XX/XXXX but they said there is not a payment due until XX/XX/XXXX. They are now reporting to all XXXX of my credit bureaus that my account is seriously past due and that I have not paid for over 120 days or have missed XXXX payments. When I spoke them today, XXXX/XXXX/15, for the second time, ( put on hold and transferred to multiple people for over XXXX minutes on each call ) they said they do not report late payments, but I am looking at my credit reports with the XXXX bureaus saying they stated the above. My credit went down XXXX points overnight from them hitting my account besides the initial hit on the original debt from XXXX. Please help I am trying everything and paying these people at the same time. They are reporting derogatory to my credit every XXXX weeks which I can see since I have credit monitoring. On today ‘s phone call they said they would send another report to the bureaus which would still say the same thing about being past due and I am not past due. I must not be the only one this is happening to. I am so distraught, I am pregnant and we are trying to buy a house and this debt collector has free reign to do whatever they want with my credit while I am paying them. This has to be against the law.

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: December 29, 2015

Company Official Name: ENCORE CAPITAL GROUP INC.

State: IL

Product: Debt collection
Sub-Product: Other (i.e. phone, health club, etc.)

Issue: Communication tactics
Sub-Issue: Frequent or repeated calls

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: December 29, 2015

Company Official Name: ENCORE CAPITAL GROUP INC.

State: MA

Product: Debt collection
Sub-Product: I do not know

Issue: Cont’d attempts collect debt not owed
Sub-Issue: Debt is not mine

Full Complaint:
I receive repeated phone calls from Midland Credit ( XXXX ) at ALL hours of the day attempting to collect a debt that is not mine. I have read that Midland may be calling to resolve a debt owed by a relative of mine. While this may be the case, I do not have any joint credit with a relative that has ever been in default and do not want to continue to be harassed by Midland Credit for a debt that I was never a party to.
Please issue a cease and desist order to Midland Credit from this unfair harassment practice immediately!

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 30, 2015

Company Official Name: ENCORE CAPITAL GROUP INC.

State: SC

Product: Credit card

Issue: Other

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 29, 2015

Company Official Name: ENCORE CAPITAL GROUP INC.

State: PA

Product: Debt collection
Sub-Product: Credit card

Issue: Improper contact or sharing of info
Sub-Issue: Talked to a third party about my debt

Full Complaint:
They never responded to my previous dispute of debt, but now are mailing letters which clearly show the original creditor and current creditor ( i.e. a debt being collected ) without having to open the mail. I was severely embarrassed about this and called. After XXXX calls totaling over 1 hour of time, I was told to do what I had to do as they were n’t willing to stop their illegal tactics,

Company response:

Response Type: Closed with explanation


FairShake accessed this complaint from the public archives of the Consumer Financial Protection Bureau (CFPB). You can file your own complaint with the CFPB here.

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