Debt collection -- Communication tactics -- Complaint #18186073
Encore Capital Group Accused of Harassing Debt Collection Calls
Complaint Overview
Complaint ID: 18186073
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Communication tactics
Sub-Issue: Frequent or repeated calls
State: North Carolina
ZIP Code: 27573
Date Received: 2025-11-30T12:00:00-05:00
Date Sent to Company: 2025-12-19T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Frequent and repeated calls from debt collectors can be considered harassment, potentially violating consumer protection laws.
Consumer Sentiment: negative
Topics: Debt collection, Credit card debt, Harassment
AI Analysis
CFPB complaint 18186073 was filed against ENCORE CAPITAL GROUP INC. regarding Debt collection (Credit card debt), specifically about "Communication tactics". A consumer filed a complaint against Encore Capital Group Inc. regarding frequent and repeated calls related to credit card debt, which was closed with non-monetary relief. The complaint was received on November 30, 2025 from North Carolina. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
If you are receiving excessive calls from debt collectors, document the calls and consider sending a cease and desist letter.
Legal Context & Consumer Protection Laws
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from engaging in harassing or abusive conduct, including frequent calls.
Regulatory Insight
Regulators monitor debt collection practices to ensure compliance with consumer protection laws and may take action against companies with a pattern of violations.
Resolution Likelihood
mixed
State-Specific Consumer Protections
North Carolina law may also provide additional protections for consumers against aggressive debt collection practices.
Industry Comparison
Encore Capital Group, like other debt collection agencies, faces scrutiny over its communication tactics and adherence to consumer protection regulations.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18186073 about?
CFPB complaint 18186073 involves Debt collection (Credit card debt). The consumer reported an issue with "Communication tactics", specifically "Frequent or repeated calls". This complaint was filed against ENCORE CAPITAL GROUP INC. on November 30, 2025.
Which company is complaint 18186073 filed against?
Complaint 18186073 was filed against ENCORE CAPITAL GROUP INC.. You can view all complaints against this company on their profile page at /company/encore-capital-group-inc.
What was the company's response to complaint 18186073?
ENCORE CAPITAL GROUP INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 18186073 filed?
Complaint 18186073 was received by the CFPB on November 30, 2025. It was sent to ENCORE CAPITAL GROUP INC. on December 19, 2025.
What state was complaint 18186073 filed from?
Complaint 18186073 was filed from North Carolina. You can view all complaints from this state at /state/NC.
Was the consumer satisfied with the resolution of complaint 18186073?
Dispute information is not available for complaint 18186073.
What product category is complaint 18186073 about?
Complaint 18186073 is categorized under "Debt collection", specifically "Credit card debt". This is one of the product categories tracked by the CFPB.
How was complaint 18186073 submitted?
Complaint 18186073 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 18186073?
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from engaging in harassing or abusive conduct, including frequent calls. This relates to a Debt collection complaint against ENCORE CAPITAL GROUP INC. involving "Communication tactics".
How likely is complaint 18186073 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 18186073?
This complaint is rated as medium risk. Frequent and repeated calls from debt collectors can be considered harassment, potentially violating consumer protection laws.
What regulatory actions apply to complaint 18186073?
Regulators monitor debt collection practices to ensure compliance with consumer protection laws and may take action against companies with a pattern of violations. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 18186073?
If you are receiving excessive calls from debt collectors, document the calls and consider sending a cease and desist letter.
Are there state-specific protections for complaint 18186073?
North Carolina law may also provide additional protections for consumers against aggressive debt collection practices. This complaint was filed from North Carolina.
How does complaint 18186073 compare to industry norms?
Encore Capital Group, like other debt collection agencies, faces scrutiny over its communication tactics and adherence to consumer protection regulations.
What constitutes 'frequent or repeated' calls under the FDCPA?
While not explicitly defined, courts generally consider calls that cause substantial emotional distress or annoyance to be frequent or repeated, especially if they occur after a request to stop.
What does 'non-monetary relief' typically mean in a debt collection complaint?
Non-monetary relief can include actions like agreeing to stop calling, correcting inaccurate information on a credit report, or providing debt validation, rather than a direct payment to the consumer.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.