Debt collection
Encore Capital debt collection complaints
Consumers have filed 57,060 complaints about Encore Capital's debt collection, 19,484 in the last 12 months (+59%). Encore Capital answered 100% on time and closed 12% with relief. See the whole Encore Capital record.
Encore Capital against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
Latest Encore Capital debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 10, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 10, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 10, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 10, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 10, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 10, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Nov 10, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 10, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Nov 10, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 10, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Nov 10, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Nov 10, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 10, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 10, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 10, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Nov 10, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Nov 10, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 10, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Nov 10, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 10, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 10, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 10, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 10, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Nov 10, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 10, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 10, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 10, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 10, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 10, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 10, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
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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