Debt collection
Encore Capital: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 1,479
- Closed with money back
- 0%
- 2023 to 2025
- 276 to 763
Servicemembers filed 4.9% of Encore Capital's 29,948 complaints in the window, against 2.5% across the directory. The complaints are mostly about debt collection, and the single most common issue is "Attempts to collect debt not owed". 0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 276 in 2023 to 763 in 2025.
What the complaints are about
By product
| Debt collection | 1,082 |
| Credit reporting or other personal consumer reports | 277 |
| Credit reporting, credit repair services, or other personal consumer reports | 56 |
| Credit card | 39 |
| Debt or credit management | 19 |
By issue
| Attempts to collect debt not owed | 393 |
| Written notification about debt | 208 |
| Took or threatened to take negative or legal action | 187 |
| Incorrect information on your report | 176 |
| False statements or representation | 165 |
| 2023: 276 | 2024: 440 | 2025: 763 |
Which accounts, specifically
| Credit card debt | 734 |
| I do not know | 368 |
| Credit reporting | 343 |
| General-purpose credit card or charge card | 35 |
| Other debt | 32 |
What went wrong, specifically
| Debt is not yours | 230 |
| Attempted to collect wrong amount | 149 |
| Debt was result of identity theft | 137 |
| Didn't receive enough information to verify debt | 122 |
| Didn't receive notice of right to dispute | 97 |
Busiest month: May 2025, with 80 servicemember complaints. Most were submitted by web.
Most complaints came from TX (219), FL (161), GA (139) , then CA, PA, VA.
How Encore Capital answered
| Closed with explanation | 776 | 52% |
| Closed with non-monetary relief | 702 | 47% |
| Closed with monetary relief | 1 | 0% |
Encore Capital responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Debt collection; Attempts to collect debt not owed. NC, 2024-08-31. Outcome: Closed with non-monetary relief. Complaint 9974357
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Credit reporting or other personal consumer reports; Incorrect information on your report. PA, 2024-09-01. Outcome: Closed with non-monetary relief. Complaint 9972929
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Debt collection; Written notification about debt. AL, 2024-08-30. Outcome: Closed with non-monetary relief. Complaint 9969931
If this is your problem at Encore Capital
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with debt collection peers
- Cl 1,512 servicemember complaints; 0% with money back
- Portfolio Recovery Associates 1,417 servicemember complaints; 0% with money back
- Resurgent Capital Services 2,612 servicemember complaints; 0% with money back
- Transworld Systems 721 servicemember complaints; 0% with money back
- Ccs Financial Services 694 servicemember complaints; 0% with money back
Next in the directory by volume: Lexisnexis, Early Warning Services.
Frequently asked questions
How many complaints did servicemembers file against Encore Capital?
1,479 complaints tagged servicemember were received by the CFPB about ENCORE CAPITAL GROUP INC. between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 276 in 2023 to 763 in 2025.
What do servicemembers complain about most at Encore Capital?
Debt collection accounts for 1,082 of the 1,479 complaints, and the most common issue is "Attempts to collect debt not owed" (393). Next: "Written notification about debt" (208).
Does Encore Capital give money back when a servicemember complains?
0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 702 closed with non-monetary relief and 776 closed with an explanation only. Encore Capital answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.