Debt collector · complaint record
Encore Capital complaints Midland Credit
Filed under ENCORE CAPITAL GROUP INC.
Consumers have filed 70,789 complaints about Encore Capital since 2013, 23,474 of them in the last 12 months (+46% on the year before). It answered 100% on time and closed 12% with relief for the customer - less often than a typical debt collector. The most common problem is attempts to collect debt not owed. It is the 3rd most complained-about of 1,963 debt collectors this year.
Average response record. How it works
- Complaints on record
- 70,789
- Last 12 months
- 23,474
- Answered on time
- 100%
- Closed with relief
- 12%
- Last 30 days
- 1,310
- Rank
- #3 of 1,963
Since March 2013
+46% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Nov 12, 2026
Most complained-about debt collectors
Encore Capital complaints by month
The busiest month was March 2026 (2,591 complaints). Complaints in the last 12 months are up 46% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Encore Capital answered last 12 months
- Closed with monetary relief30%
- Closed with non-monetary relief2,86312.2%
- Closed with explanation20,35186.7%
- In progress2571.1%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers10/4012.3% closed with relief
- Complaint trend5/15+46% vs last year
What Encore Capital complaints are about
Top Encore Capital problems last 12 months
Inside "Attempts to collect debt not owed"
- Debt is not yours 13,639
- Debt was result of identity theft 5,706
- Debt was paid 1,320
- Debt was already discharged in bankruptcy and is no longer owed 512
Where Encore Capital complaints come from
Most complaints: Texas (9,162), Florida (8,567), California (7,270), Georgia (5,001), New York (3,974).
Encore Capital compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | CL HoldingsDebt collection | 85 | 30,179 | A |
| 2 | Resurgent Capital ServicesDebt collection | 75 | 23,723 | B |
| 3 | Encore Capital (Midland Credit)Debt collection | 60 | 23,474 | C |
| 4 | Portfolio Recovery AssociatesDebt collection | 89 | 21,733 | A |
| 5 | CCS Financial ServicesDebt collection | 53 | 10,265 | C |
| 6 | Kriya CapitalDebt collection | 86 | 8,832 | A |
| 7 | I.C. SystemDebt collection | 48 | 8,160 | D |
| 8 | National Credit SystemsDebt collection | 51 | 7,463 | C |
Compare side by side: Encore Capital vs CL Holdings · Encore Capital vs Resurgent Capital Services · Encore Capital vs Portfolio Recovery Associates · Encore Capital vs CCS Financial Services
What people say about Encore Capital
All experiencesNo experiences with Encore Capital yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Encore Capital complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 12, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 12, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Nov 12, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 12, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 12, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 12, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 12, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 12, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 12, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 12, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Nov 11, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Nov 11, 2026 | Credit reporting | Problem with a company's investigation into an existing problemDifficulty submitting a dispute or getting information about a dispute over the phone | Explained |
Questions about Encore Capital
How many complaints does Encore Capital have?
Encore Capital has 70,789 complaints on record since March 2013, including 23,474 in the last 12 months and 1,310 in the last 30 days. That makes it number 11 of every company by complaints this year.
Does Encore Capital respond to complaints?
Yes. Encore Capital answered 100% of its complaints on time (within 15 days) and closed 12% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 60/100 (grade C).
What do people complain about most with Encore Capital?
The most common problems are attempts to collect debt not owed (21,177), took or threatened to take negative or legal action (9,244), written notification about debt (8,829).
Is Encore Capital legit?
Encore Capital is a real company with a public complaint record: consumers have complained about it 70,789 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Encore Capital legit? for the signals, red flags and how to protect yourself.
Are complaints about Encore Capital going up or down?
Up. There were 23,474 complaints in the last 12 months against 16,025 in the 12 before (+46%). See every month.
How do I file a complaint against Encore Capital?
Complain to Encore Capital in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Encore Capital complaints come from?
Most come from Texas (9,162), Florida (8,567), California (7,270). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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