Debt collection -- Took or threatened to take negative or legal action -- Complaint #18042905
Complaint Overview
Complaint ID: 18042905
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened to arrest you or take you to jail if you do not pay
State: Arizona
ZIP Code: 851XX
Date Received: 2025-11-04T12:00:00-05:00
Date Sent to Company: 2025-12-23T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have received a phone call from a potential spam number. I answered and some man yelled out my first name. Then he repeated my last name and my home address to me. And I told him I didn't know what or who he was talking about. I called back to get his company name in he refused to tell me the company name. He asked me how much was in my bank account. He told me it's going to cost me my freedom. He said I had filled out some application but he did not describe the application. I told him somebody gave him wrong information and I did not fill out any information. I told him to remove my number from his database. He then called me back and I did not answer.
Frequently Asked Questions
What is Complaint #18042905 about?
Complaint #18042905 was filed against Encore Capital Group INC. regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2025-11-04T12:00:00-05:00.
How did Encore Capital Group INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Encore Capital Group INC.?
Yes, visit the Encore Capital Group INC. company profile at readthecomplaint.com/company/encore-capital-group-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.