Auto loans & leases
Encore Capital auto loans & leases complaints
Consumers have filed 23 complaints about Encore Capital's auto loans & leases, 4 in the last 12 months. Encore Capital answered 100% on time and closed 0% with relief. See the whole Encore Capital record.
Encore Capital against other auto lenders
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | Santander Holdings USA | 2,463 | 100% | 36% |
| 2 | Ally Financial | 1,987 | 100% | 4% |
| 3 | Westlake Financial | 1,921 | 100% | 0% |
| 4 | Credit Acceptance | 1,277 | 99.7% | 4% |
| 5 | Capital One | 1,225 | 100% | 2% |
| 6 | Bridgecrest | 1,019 | 99.5% | 0% |
| 7 | Hyundai Capital America | 996 | 100% | 0% |
| 8 | Toyota Financial Services | 938 | 99.9% | 6% |
| 9 | Exeter Finance | 830 | 99.9% | 0% |
| 10 | Wells Fargo | 686 | 100% | 19% |
| 11 | American Honda Finance | 556 | 99.6% | 0% |
| 12 | American Credit Acceptance | 554 | 100% | 0% |
| 13 | Encore Capital (Midland Credit) | 4 | 100% | 0% |
Latest Encore Capital auto loans & leases complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 23, 2026 | Auto loans & leases | RepossessionVoluntary repossession | Explained |
| Aug 29, 2026 | Auto loans & leases | Getting a loan or leaseLoan opened without my consent or knowledge | Explained |
| Dec 29, 2025 | Auto loans & leases | Struggling to pay your loanDenied request to lower payments | Explained |
| Dec 22, 2025 | Auto loans & leases | RepossessionLoan balance remaining after the vehicle is repossessed and sold | Explained |
| Nov 12, 2025 | Auto loans & leases | Getting a loan or leaseLoan opened without my consent or knowledge | Fixed |
| Nov 6, 2025 | Auto loans & leases | Incorrect information on your reportAccount status incorrect | Fixed |
| Aug 27, 2025 | Auto loans & leases | Managing the loan or leaseLoan sold or transferred to another company | Explained |
| Aug 3, 2025 | Auto loans & leases | RepossessionLoan balance remaining after the vehicle is repossessed and sold | Explained |
| May 22, 2025 | Auto loans & leases | Struggling to pay your loanDenied request to lower payments | Explained |
| Apr 28, 2025 | Auto loans & leases | Incorrect information on your reportInformation belongs to someone else | Fixed |
| May 1, 2024 | Auto loans & leases | Improper use of your reportReporting company used your report improperly | Explained |
| Sep 13, 2023 | Auto loans & leases | Problems at the end of the loan or leaseProblem with paying off the loan | Explained |
| May 10, 2023 | Auto loans & leases | Problems at the end of the loan or leaseUnable to receive car title or other problem after the loan is paid off | Explained |
| Oct 26, 2022 | Auto loans & leases | Struggling to pay your loanLender trying to repossess or disable the vehicle | Explained |
| Oct 15, 2019 | Auto loans & leases | Problems at the end of the loan or leaseProblem while selling or giving up the vehicle | Explained |
| May 3, 2019 | Auto loans & leases | Getting a loan or leaseFraudulent loan | Explained |
| Dec 6, 2018 | Auto loans & leases | Problems at the end of the loan or leaseProblem while selling or giving up the vehicle | Explained |
| Feb 5, 2018 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Oct 6, 2015 | Auto loans & leases | Managing the loan or lease | Explained |
| May 26, 2015 | Auto loans & leases | Problems when you are unable to pay | Fixed |
| Jul 11, 2014 | Auto loans & leases | Shopping for a loan or lease | Explained |
| Mar 26, 2014 | Auto loans & leases | Taking out the loan or lease | Explained |
| May 1, 2013 | Auto loans & leases | Problems when you are unable to pay | Explained |
Your rights with auto lenders
Repossession rules come from your contract and your state's law: in many states a lender can repossess without warning once you default, but it cannot breach the peace, and it must tell you how to get the car back and how it will be sold. You are usually entitled to a refund of unused add-ons such as GAP or service contracts when the loan ends early.
General information, not legal advice; rules vary by state. Plain-English guides
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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