December 2019 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 2019, the CFPB received 1676 complaints against Encore Capital Group. Encore Capital Group ranked Number 19 among all financial companies for the most complaints.


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Complaint Details:

Date of Complaint: December 2, 2019

Company Official Name: ENCORE CAPITAL GROUP INC.

State: IA

Product: Debt collection
Sub-Product: Credit card debt

Issue: Written notification about debt
Sub-Issue: Didn’t receive notice of right to dispute

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 2, 2019

Company Official Name: ENCORE CAPITAL GROUP INC.

State: IL

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting

Issue: Incorrect information on your report
Sub-Issue: Information is missing that should be on the report

Complaint Tags: Older American

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 3, 2019

Company Official Name: ENCORE CAPITAL GROUP INC.

State: IN

Product: Debt collection
Sub-Product: Credit card debt

Issue: Written notification about debt
Sub-Issue: Didn’t receive enough information to verify debt

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 4, 2019

Company Official Name: ENCORE CAPITAL GROUP INC.

State: IL

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

Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours

Full Complaint:
Midland Credit Management calls me numerous times per day asking for someone named XXXX. I have explained multiple times that I am not XXXX and do not know anyone by that name who is close to me. I have had the same phone number for over 5 years. I asked them to remove me from their list, as I have no debts in collection. I tried to call them tonight after seeing they called me twice today. I spoke to a representative and as I tried to explain, the representative hung up on me. I am tired of being harassed over someone else ‘s debts!!

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: December 3, 2019

Company Official Name: ENCORE CAPITAL GROUP INC.

State: NJ

Product: Debt collection
Sub-Product: Credit card debt

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

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 3, 2019

Company Official Name: ENCORE CAPITAL GROUP INC.

State: TX

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

Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 2, 2019

Company Official Name: ENCORE CAPITAL GROUP INC.

State: NJ

Product: Debt collection
Sub-Product: Credit card debt

Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened to arrest you or take you to jail if you do not pay

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 2, 2019

Company Official Name: ENCORE CAPITAL GROUP INC.

State: CA

Product: Debt collection
Sub-Product: Credit card debt

Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft

Full Complaint:
This account was opened fraudulently by I never lived at address where account was opened

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 3, 2019

Company Official Name: ENCORE CAPITAL GROUP INC.

State: CA

Product: Debt collection
Sub-Product: Credit card debt

Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft

Full Complaint:
Various documents dropped off with neighbors and relatives that involved personal information pertaining to fraudulent debts due to being a victim of identity theft. Received a letter for a judgement held against me with a hearing of XX/XX/2019 in which was not disclosed in the paperwork dropped off with neighbors.

Was not served directly by debt collector and never signed any paperwork pertaining to these filings. These documents were dropped off various times throughout the month of XXXX. In one occasion they were inserted in the United States Postal Service Mailbox where I reside.

This is very unprofessional and deceptive with attempts in collecting a fraudulent debt and disclosing personal information containing social security number. The documentation included address, social security number, amount for the debt for the apparent collection.

Neighbors stated that they were approached by a female in a XXXX XXXX commuter car, in which then handed them a stack of papers. Upon receiving the documents and realizing it does not pertain to anyone to their address, they personally directed the correspondence to me. They advised me that they felt that was very unprofessional and rude for a collector to approach them in that manner.

These types of practices should be looked upon and enforced to the local, state and/or federal levels to which they are violated.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 3, 2019

Company Official Name: ENCORE CAPITAL GROUP INC.

State: GA

Product: Debt collection
Sub-Product: Credit card debt

Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours

Company response:

Response Type: Closed with non-monetary relief


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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