Compiled from Public Data by FairShake
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.
Date of Complaint: June 30, 2021
Company Official Name: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Communication tactics
Sub-Issue: You told them to stop contacting you, but they keep trying
Full Complaint:
There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : Midland Credit Management continues to call and harass me after I have ask them several times to stop calling in violation of 15 USC. 1692 ( d ) 5.
Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Response Type: Closed with explanation
Date of Complaint: June 30, 2021
Company Official Name: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Communication tactics
Sub-Issue: Frequent or repeated calls
Response Type: Closed with non-monetary relief
Date of Complaint: June 30, 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
Response Type: Closed with explanation
Date of Complaint: June 30, 2021
Company Official Name: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-Product: Credit card debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
Response Type: Closed with explanation
Date of Complaint: June 30, 2021
Company Official Name: ENCORE CAPITAL GROUP INC.
State: NJ
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
Full Complaint:
I’ve been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of ” we didn’t get it ” doesn’t happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven’t even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I’m still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they ” can’t confirm my identity ” to get away with taking no actions on my credit report. Please investigate this as well.
Response Type: Closed with explanation
Date of Complaint: June 30, 2021
Company Official Name: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-Product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened to sue you for very old debt
Response Type: Closed with non-monetary relief
Date of Complaint: June 30, 2021
Company Official Name: ENCORE CAPITAL GROUP INC.
State: GA
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
Response Type: Closed with explanation
Date of Complaint: June 30, 2021
Company Official Name: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
Response Type: Closed with non-monetary relief
Date of Complaint: June 30, 2021
Company Official Name: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company’s investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
Full Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Response Type: Closed with explanation
Date of Complaint: June 30, 2021
Company Official Name: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened to sue you for very old debt
Full Complaint:
There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
A debt collector may not engage in any conduct the natural consequence of which is to harass, XXXX or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section.
Midland Credit Management stated that they were trying to keep this account out of the hands of the lawyers. I received that as a threat against my reputation, in violation of 15USC 1692 ( d ) 1 The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
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.