Vehicle loan or lease -- Repossession -- Complaint #18233125
Complaint Overview
Complaint ID: 18233125
Company: Encore Capital Group INC.
Product: Vehicle loan or lease
Sub-Product: Lease
Issue: Repossession
Sub-Issue: Loan balance remaining after the vehicle is repossessed and sold
State: Texas
ZIP Code: 77469
Date Received: 2025-12-22T12:00:00-05:00
Date Sent to Company: 2025-12-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I no longer have possession of the vehicle associated with this account. Any continued reporting of monthly delinquency or collection activity without full verification of repossession, sale, and deficiency balance constitutes unlawful reporting.
Frequently Asked Questions
What is Complaint #18233125 about?
Complaint #18233125 was filed against Encore Capital Group INC. regarding Vehicle loan or lease specifically about Repossession. It was received by the CFPB on 2025-12-22T12:00:00-05:00.
How did Encore Capital Group INC. respond to this complaint?
The company responded with: "Closed with explanation". 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 (Vehicle loan or lease) 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.