CFPB Debt Collection Complaint Ranking*:

#225 of 2,458 Companies

Lawsuits, Penalties, or Sanctions:

DANLEY v. ENCORE CAPITAL GROUP, INC. (December 1, 2015.) United States District Court, E.D. Michigan, Southern Division. Case No. 15-CV-11535.

IVY v. NATIONS RECOVERY CENTER, INC. (June 6, 2012.) United States District Court, E.D. Tennessee, Greeneville Division. No. 2:12-CV-037.

Atlantic Credit & Finance, Inc.’s parent company Encore Capital Group, Inc. will issue $42 million in refunds and pay a $10 million civil penalty for FDCPA violations. 

Location and Contact Details:

3353 Orange Ave., NE
Roanoke, VA 24012-6335
Phone: (540) 772-7800
Fax: (540) 772-7895
Kenneth A. Vecchione, President-CEO of Encore Capital Group, Inc.
Richard Woolwine, CEO of Atlantic Credit & Finance, Inc.
Sarah Wilson, Ethics Contact

Business Model:

Atlantic Credit & Finance, Inc. (Atlantic) is a debt collector. It specializes in collecting "fresh", higher-balance credit card and consumer loans. It also buys various consumer-distressed loan types and makes collections.collects on them. The business was established in 1996 by Richard Woolwine and his brother Kelly Woolwine. 

* Ranking determined by the overall number of debt collection complaints to the Consumer Financial Protection Bureau (CFPB) as of year-end 2015 and should be considered in context of company size and/or market share. See the CFPB debt collection complaint database in real-time here

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Michael F. Cardoza, Esq.
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U.S. Marine & Consumer Financial Protection Attorney helping victims of ID theft and Credit Reporting errors.