Encore Capital against other mortgage lenders & servicers
| # | Company | 12 months | Change | On time | Relief | All time |
|---|
| 1 | Shellpoint Mortgage Servicing | 3,741 | +17% | 81.4% | 0% | 17,690 |
| 2 | Rocket Mortgage | 3,572 | +499% | 99.9% | 0% | 8,475 |
| 3 | Freedom Mortgage | 1,701 | +50% | 99.4% | 0% | 9,327 |
| 4 | Ocwen Financial | 1,514 | +44% | 100% | 1% | 35,815 |
| 5 | Wells Fargo | 1,187 | -8% | 100% | 9% | 49,962 |
| 6 | PennyMac | 1,157 | +86% | 99.9% | 13% | 5,470 |
| 7 | Select Portfolio Servicing | 1,130 | +34% | 99.9% | 0% | 15,278 |
| 8 | Carrington Mortgage Services | 1,081 | +124% | 99.7% | 0% | 6,641 |
| 9 | Selene | 967 | +53% | 100% | 0% | 3,082 |
| 10 | LoanCare | 862 | +107% | 100% | 0% | 7,382 |
| 11 | Mr. Cooper | 757 | -64% | 100% | 0% | 13,321 |
| 12 | JPMorgan Chase | 734 | +43% | 100% | 2% | 25,884 |
| 13 | Encore Capital (Midland Credit) | 0 | new | - | - | 28 |
Every mortgage company ranked
Latest Encore Capital mortgages complaints
| Received | About | Issue | State | Answer | On time |
|---|
| Oct 22, 2025 | Mortgages | Trouble during payment processLien release | MI | Explained | Yes |
| Nov 7, 2024 | Mortgages | Trouble during payment processLien release | KY | Explained | Yes |
| Oct 2, 2024 | Mortgages | Closing on a mortgageClosing disclosure or other related disclosures | IL | Explained | Yes |
| Feb 21, 2024 | Mortgages | Closing on a mortgageTrying to communicate with the company to fix an issue with the loan closing | NJ | Explained | Yes |
| Sep 19, 2023 | Mortgages | Struggling to pay mortgageTrying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure | FL | Explained | Yes |
| Mar 11, 2022 | Mortgages | Improper use of your reportReporting company used your report improperly | FL | Explained | Yes |
| Jan 7, 2022 | Mortgages | Closing on a mortgage | RI | Explained | Yes |
| Sep 16, 2021 | Mortgages | Closing on a mortgage | MD | Explained | Yes |
| Sep 16, 2021 | Mortgages | Applying for a mortgage or refinancing an existing mortgage | FL | Explained | Yes |
| Mar 29, 2021 | Mortgages | Trouble during payment process | KY | Explained | Yes |
| Jan 5, 2021 | Mortgages | Struggling to pay mortgage | OH | Explained | Yes |
| Nov 6, 2020 | Mortgages | Struggling to pay mortgage | - | Explained | Yes |
| Sep 23, 2019 | Mortgages | Trouble during payment process | FL | Explained | Yes |
| Oct 1, 2018 | Mortgages | Trouble during payment process | DE | Explained | Yes |
| Sep 14, 2017 | Mortgages | Trouble during payment process | VA | Explained | Yes |
| Jun 19, 2017 | Mortgages | Struggling to pay mortgage | VA | Explained | Yes |
| May 30, 2017 | Mortgages | Trouble during payment process | CA | Explained | Yes |
| Sep 16, 2016 | Mortgages | Loan modification,collection,foreclosure | NY | Explained | Yes |
| Aug 23, 2016 | Mortgages | Loan servicing, payments, escrow account | VA | Explained | Yes |
| Apr 5, 2016 | Mortgages | Loan modification,collection,foreclosure | CA | Fixed | Yes |
| Oct 19, 2015 | Mortgages | Loan modification,collection,foreclosure | CA | Explained | Yes |
| Oct 13, 2015 | Mortgages | Loan servicing, payments, escrow account | OK | Explained | Yes |
| Sep 17, 2015 | Mortgages | Other | MI | Explained | Yes |
| Mar 19, 2015 | Mortgages | Loan servicing, payments, escrow account | NJ | Explained | Yes |
| Jul 15, 2014 | Mortgages | Application, originator, mortgage broker | FL | Money back | Yes |
| Nov 22, 2013 | Mortgages | Loan servicing, payments, escrow account | - | Explained | Yes |
| Nov 3, 2013 | Mortgages | Loan modification,collection,foreclosure | FL | Fixed | Yes |
| Sep 19, 2013 | Mortgages | Loan modification,collection,foreclosure | VA | Explained | Yes |
Your rights with mortgage lenders & servicers
Your mortgage servicer must correct errors you report in a written notice of error and answer written requests for information, usually within 30 business days. It must apply payments on the day they arrive, and it generally cannot start foreclosure until you are more than 120 days behind or while a complete loss-mitigation application is pending.
Scam warning: Be careful of anyone who charges up front to save your home, tells you to stop paying your servicer, or asks you to sign over the deed. HUD-approved housing counselors help for free.
General information, not legal advice; rules vary by state. Plain-English guides
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