ENCORE CAPITAL GROUP INC. Complaints
debt collectorEncore Capital Group Inc. is a publicly traded (NASDAQ: ECPG) specialty finance company that purchases and manages portfolios of defaulted consumer debt. Headquartered in San Diego, California, it was incorporated in 1999 as the parent of Midland Credit Management, whose history dates back to 1953, and operates internationally with businesses and investments across North America, Europe, Asia, and Latin America.
350 Camino De La Reina, Suite 100, San Diego, CA 92108
ENCORE CAPITAL GROUP INC. recorded 421 complaints this week, compared with an 8-week baseline average of 433.8 per week, or 1.0x its own baseline, a status labeled Near baseline. Top complaint products this week were Debt collection (355), Credit reporting or other personal consumer reports (54), and Credit card (6). Complaints answered on time this week were 100.0%. Among tracked debt collectors, it ranked 3 of 7 by spike ratio this week, compared with an average spike ratio of 0.9 across the group.
Category average spike ratio this week (debt collectors): 0.9x — see the full category ranking.
12-week complaint volume
Week ending 2026-06-15 through 2026-08-31 (14-day lag buffer applied).
Spike ratio across tracked runs
9 recorded runs, 2026-07-14 through 2026-09-08 — this week vs. that run's own 8-week baseline each time (same spike-ratio math as above, tracked over separate runs of this site's data pipeline rather than within a single build). See How it works.
Top complaint products this week
Responsiveness & resolution this week
How ENCORE CAPITAL GROUP INC.'s complaints were resolved this week:
"Public response rate" counts only complaints where CFPB asked the company to respond publicly, and measures how often it said something substantive instead of declining to comment — see How it works.
Complaints from Older American / Servicemember consumers
6.7% of ENCORE CAPITAL GROUP INC.'s complaints this week were self-tagged by the consumer as coming from an Older American and/or Servicemember household (category average this week: 5.3%). This reflects who is filing complaints, not a finding about ENCORE CAPITAL GROUP INC.'s conduct toward these consumers — see How it works.
What customers are saying
Narrative word cloud not yet generated for ENCORE CAPITAL GROUP INC. — currently built for the highest-volume companies only. Why.
Consumer language tone
Tone data not yet generated for ENCORE CAPITAL GROUP INC. — currently built for the highest-volume companies only, from an occasional standalone pull, separate from this build. Why.
Distinctive complaint themes
Narrative terms that come up disproportionately more often in ENCORE CAPITAL GROUP INC.'s complaints than across the CFPB database as a whole (score = how many times more common here than the industry-wide baseline — see Trends & records for that baseline). A word-frequency signal from a sample of 3,000 narratives, not a finding about the cause of any complaint.
- midlandcre 374.09x
- managements 314.57x
- midland 179.27x
- managem 170.04x
- cred 164.37x
- midlands 144.53x
- mcm 75.46x
- mcms 46.76x
- manag 44.64x
- unbroken 36.13x
Where complaints go: product → issue → outcome
Complaint flow not yet generated for ENCORE CAPITAL GROUP INC. — currently built for the highest-volume companies only. Why.