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Debt relief & credit repair

Encore Capital debt relief & credit repair complaints

Consumers have filed 384 complaints about Encore Capital's debt relief & credit repair, 146 in the last 12 months (+19%). Encore Capital answered 100% on time and closed 23% with relief. See the whole Encore Capital record.

Encore Capital against other debt relief & credit repair companies

#Company12 monthsChangeOn timeReliefAll time
1Experian351+4%100%10%1,702
2Equifax256+30%100%32%1,123
3TransUnion249+26%100%58%1,115
4Consumer Financial Services Solutions224+104%68.8%0%403
5National Debt Relief180+50%98.9%0%350
6Encore Capital (Midland Credit)146+19%100%23%384
7Freedom Financial Network96+28%100%27%492
8Resurgent Capital Services93+31%100%21%221
9The J. G. Wentworth91+98%100%0%157
10Capital One86+7%100%16%376
11Kikoff72+11%100%0%208
12Americor Funding54+54%100%0%154

Every debt relief company ranked

Latest Encore Capital debt relief & credit repair complaints

ReceivedAboutIssueStateAnswerOn time
Jul 6, 2026Debt relief & credit repairConfusing or missing disclosuresTXExplainedYes
Jul 2, 2026Debt relief & credit repairConfusing or missing disclosuresMIExplainedYes
Jun 30, 2026Debt relief & credit repairCharged upfront or unexpected feesNYExplainedYes
Jun 30, 2026Debt relief & credit repairConfusing or missing disclosuresAZExplainedYes
Jun 24, 2026Debt relief & credit repairConfusing or missing disclosuresCAExplainedYes
Jun 22, 2026Debt relief & credit repairConfusing or missing disclosuresTXExplainedYes
Jun 22, 2026Debt relief & credit repairProblem with customer serviceCAExplainedYes
Jun 19, 2026Debt relief & credit repairProblem with customer serviceARExplainedYes
Jun 18, 2026Debt relief & credit repairUnauthorized withdrawals or chargesNJExplainedYes
Jun 15, 2026Debt relief & credit repairConfusing or misleading advertising or marketingMSExplainedYes
Jun 15, 2026Debt relief & credit repairCharged upfront or unexpected feesFLFixedYes
Jun 11, 2026Debt relief & credit repairProblem with customer serviceMNExplainedYes
Jun 7, 2026Debt relief & credit repairProblem with customer serviceCAExplainedYes
Jun 5, 2026Debt relief & credit repairProblem with customer serviceFLExplainedYes
Jun 5, 2026Debt relief & credit repairConfusing or missing disclosuresFLExplainedYes
Jun 5, 2026Debt relief & credit repairUnauthorized withdrawals or chargesAEExplainedYes
Jun 3, 2026Debt relief & credit repairProblem with customer serviceNCExplainedYes
May 28, 2026Debt relief & credit repairCharged upfront or unexpected feesALExplainedYes
May 23, 2026Debt relief & credit repairConfusing or missing disclosuresTXExplainedYes
May 22, 2026Debt relief & credit repairCharged upfront or unexpected feesFLFixedYes
May 21, 2026Debt relief & credit repairConfusing or misleading advertising or marketingNYExplainedYes
May 20, 2026Debt relief & credit repairProblem with customer serviceFLFixedYes
May 19, 2026Debt relief & credit repairCharged upfront or unexpected feesNYExplainedYes
May 13, 2026Debt relief & credit repairCharged upfront or unexpected feesPAExplainedYes
May 9, 2026Debt relief & credit repairConfusing or misleading advertising or marketingTXExplainedYes
Apr 23, 2026Debt relief & credit repairDidn't provide services promisedOKExplainedYes
Apr 22, 2026Debt relief & credit repairUnauthorized withdrawals or chargesTXExplainedYes
Apr 22, 2026Debt relief & credit repairConfusing or missing disclosuresNYExplainedYes
Apr 17, 2026Debt relief & credit repairProblem with customer serviceCAFixedYes
Apr 13, 2026Debt relief & credit repairConfusing or missing disclosuresCAExplainedYes

Your rights with debt relief & credit repair companies

The Credit Repair Organizations Act bans credit repair companies from charging before the work is done and gives you three days to cancel. Debt settlement companies that sell by phone cannot charge fees until they have actually settled a debt. You can do everything a credit repair company does yourself, for free.

Scam warning: Walk away from anyone who wants money up front, tells you to stop contacting your creditors, or promises a "new credit identity".

General information, not legal advice; rules vary by state. Plain-English guides

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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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