Encore Capital against other banks & credit unions
| # | Company | 12 months | Change | On time | Relief | All time |
|---|
| 1 | Wells Fargo | 10,017 | +26% | 100% | 18% | 63,467 |
| 2 | JPMorgan Chase | 9,525 | +11% | 100% | 14% | 59,224 |
| 3 | Bank of America | 9,008 | +44% | 99.3% | 42% | 61,514 |
| 4 | Chime | 8,327 | +80% | 99.9% | 9% | 20,914 |
| 5 | Capital One | 4,339 | -43% | 100% | 7% | 23,879 |
| 6 | Block (Cash App) | 3,838 | +18% | 99.3% | 0% | 9,390 |
| 7 | Citibank | 3,800 | +11% | 100% | 35% | 25,575 |
| 8 | Navy Federal Credit Union | 3,599 | -66% | 100% | 33% | 22,207 |
| 9 | U.S. Bank | 2,560 | +49% | 100% | 19% | 15,963 |
| 10 | Truist | 2,365 | +33% | 99.9% | 11% | 10,420 |
| 11 | SoFi | 2,324 | +26% | 100% | 8% | 5,234 |
| 12 | PNC Bank | 2,243 | +48% | 100% | 14% | 15,615 |
| 13 | Encore Capital (Midland Credit) | 3 | new | 100% | 33% | 38 |
Every bank ranked
Latest Encore Capital bank accounts complaints
| Received | About | Issue | State | Answer | On time |
|---|
| Aug 28, 2026 | Bank accounts | Problem with a lender or other company charging your accountTransaction was not authorized | OK | Fixed | Yes |
| Feb 28, 2026 | Bank accounts | Problem caused by your funds being lowOverdrafts and overdraft fees | TX | Explained | Yes |
| Jan 6, 2026 | Bank accounts | Managing an accountFunds not handled or disbursed as instructed | FL | Explained | Yes |
| Jul 31, 2025 | Bank accounts | Managing an accountProblem using a debit or ATM card | CA | Explained | Yes |
| Jul 28, 2025 | Bank accounts | Problem with a lender or other company charging your accountTransaction was not authorized | SC | Explained | Yes |
| May 15, 2025 | Bank accounts | Managing an accountCashing a check | LA | Explained | Yes |
| Jun 2, 2024 | Bank accounts | Managing an accountDeposits and withdrawals | NY | Explained | Yes |
| Feb 9, 2024 | Bank accounts | Managing an accountBanking errors | LA | Explained | Yes |
| Nov 8, 2023 | Bank accounts | Managing an accountCashing a check | LA | Explained | Yes |
| May 29, 2023 | Bank accounts | Closing an accountCan't close your account | SC | Explained | Yes |
| Apr 5, 2023 | Bank accounts | Managing an accountDeposits and withdrawals | GA | Explained | Yes |
| Nov 13, 2022 | Bank accounts | Improper use of your reportCredit inquiries on your report that you don't recognize | GA | Explained | Yes |
| Mar 10, 2021 | Bank accounts | Managing an accountDeposits and withdrawals | MD | Explained | Yes |
| Oct 15, 2020 | Bank accounts | Problem with a lender or other company charging your accountTransaction was not authorized | VA | Explained | Yes |
| Feb 21, 2020 | Bank accounts | Incorrect information on your reportAccount information incorrect | NM | Explained | Yes |
| Dec 31, 2019 | Bank accounts | Closing an accountCan't close your account | IL | Explained | Yes |
| Dec 24, 2019 | Bank accounts | Closing an accountCompany closed your account | MI | Explained | Yes |
| Dec 23, 2018 | Bank accounts | Incorrect information on your reportInformation belongs to someone else | TX | Explained | Yes |
| Oct 1, 2018 | Bank accounts | Closing an accountCompany closed your account | TX | Explained | Yes |
| Jun 1, 2018 | Bank accounts | Problem with a lender or other company charging your accountMoney was taken from your account on the wrong day or for the wrong amount | NY | Fixed | Yes |
| Aug 7, 2016 | Bank accounts | Deposits and withdrawals | MD | Explained | Yes |
| Mar 6, 2016 | Bank accounts | Account opening, closing, or management | CT | Explained | Yes |
| May 7, 2015 | Bank accounts | Problems caused by my funds being low | PA | Explained | Yes |
| Dec 12, 2014 | Bank accounts | Problems caused by my funds being low | - | Explained | Yes |
| Nov 10, 2014 | Bank accounts | Making/receiving payments, sending money | IN | Explained | Yes |
| Oct 7, 2014 | Bank accounts | Account opening, closing, or management | WA | Explained | Yes |
| Jun 19, 2014 | Bank accounts | Account opening, closing, or management | FL | Explained | Yes |
| Jun 16, 2014 | Bank accounts | Account opening, closing, or management | WA | Explained | Yes |
| Jun 12, 2014 | Bank accounts | Account opening, closing, or management | NJ | Explained | Yes |
| Jun 9, 2014 | Bank accounts | Account opening, closing, or management | CA | Explained | Yes |
Your rights with banks & credit unions
For electronic transfers and debit cards, Regulation E gives you 60 days from the statement to report an error or unauthorized transaction; the bank must investigate, generally within 10 business days or give provisional credit while it takes longer. Reporting a lost card quickly limits what you can lose. Deposits at insured banks are protected up to $250,000 by the FDIC (credit unions by the NCUA).
Scam warning: Banks do not ask you to move money to a "safe account", and a bank employee will not ask for your password or one-time code. If a caller says they are from your bank, hang up and call the number on your card.
General information, not legal advice; rules vary by state. Plain-English guides
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