Payday loan, title loan, personal loan, or advance loan -- Struggling to pay your loan -- Complaint #18856581
Complaint Overview
Complaint ID: 18856581
Company: Encore Capital Group INC.
Product: Payday loan, title loan, personal loan, or advance loan
Sub-Product: Personal line of credit
Issue: Struggling to pay your loan
State: Texas
ZIP Code: 77493
Date Received: 2025-10-13T12:00:00-05:00
Date Sent to Company: 2025-11-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The following tradeline is an inaccurate item on my credit report Company or Organization : MIDLAND CREDIT Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date fraud began : XX/XX/year> Date that I discovered it : XX/XX/year> Total fraudulent amount : {$1100.00}
Frequently Asked Questions
What is Complaint #18856581 about?
Complaint #18856581 was filed against Encore Capital Group INC. regarding Payday loan, title loan, personal loan, or advance loan specifically about Struggling to pay your loan. It was received by the CFPB on 2025-10-13T12:00:00-05:00.
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 (Payday loan, title loan, personal loan, or advance loan) 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.