January 2021 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 2021, the CFPB received 3079 complaints against Encore Capital Group. Encore Capital Group ranked Number 17 among all financial companies for the most complaints.


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Complaint Details:

Date of Complaint: January 25, 2021

Company Official Name: ENCORE CAPITAL GROUP INC.

State: TX

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

Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: January 25, 2021

Company Official Name: ENCORE CAPITAL GROUP INC.

State: FL

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

Issue: Incorrect information on your report
Sub-Issue: Account status incorrect

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: January 25, 2021

Company Official Name: ENCORE CAPITAL GROUP INC.

State: TX

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

Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: January 24, 2021

Company Official Name: ENCORE CAPITAL GROUP INC.

State: FL

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 explanation


Complaint Details:

Date of Complaint: January 24, 2021

Company Official Name: ENCORE CAPITAL GROUP INC.

State: AR

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:
Company Midland Credit Management sent a dated letter XX/XX/2021 given me until XX/XX/2021 to pay them {00.00}, or they will file a lawsuit against me. I do not owe this bill or have I ever authorize to do any business with this company. I was not aware of this company until I received the letter on XX/XX/2021, this company is not reported on any of the three credit bureau on my annual credit report. This is not my account and I do not owe this bill or this company.. I recently became aware of my personal information was compromised in the XXXX breach and recently file a fraud report with XXXX bureaus reporting Fraud on my credit report. My personal information was also on the dark web. Please investigate any original documents with this company Midland Credit Management, and remove from my credit report. I do not recognized this company or a this $ {00.00} bill they are threading to file a lawsuit against me.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: January 25, 2021

Company Official Name: ENCORE CAPITAL GROUP INC.

State: MA

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

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

Full Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: January 24, 2021

Company Official Name: ENCORE CAPITAL GROUP INC.

State: OR

Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card

Issue: Problem when making payments
Sub-Issue: Problem during payment process

Full Complaint:
I lost my job at the time and let them know my situation, I tried to resolve the matter with small incremental payments but I then moved and the account got sent to collections anyway and is now hurting my credit and not allowing me to finance a vehicle.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: January 25, 2021

Company Official Name: ENCORE CAPITAL GROUP INC.

State: None

Product: Debt collection
Sub-Product: Credit card debt

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

Complaint Tags: Older American

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: January 25, 2021

Company Official Name: ENCORE CAPITAL GROUP INC.

State: TX

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

Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: January 25, 2021

Company Official Name: ENCORE CAPITAL GROUP INC.

State: TX

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

Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else

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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