Total CFPB complaints
352
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 352 complaints
American Profit Recovery, Inc., Marlborough, MA Branch — Debt Collector Complaint Profile
CFPB complaint profile across 40 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about American Profit Recovery, Inc., Marlborough, MA Branch
- Attempts to collect debt not owed
Attempts to collect debt not owed
177 complaints
- Written notification about debt 57
Written notification about debt
57 complaints
- False statements or representation 43
False statements or representation
43 complaints
- Took or threatened to take negative or legal action 26
Took or threatened to take negative or legal action
26 complaints
- Cont'd attempts collect debt not owed 12
Cont'd attempts collect debt not owed
12 complaints
- Communication tactics 6
Communication tactics
6 complaints
C
Grade C · 60.9/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about American Profit Recovery, Inc., Marlborough, MA Branch?
American Profit Recovery, Inc., Marlborough, MA Branch has accumulated 352 total CFPB complaints across 40 states, with 90 filed in the most recent 12 months against 262 historical complaints before that window. The trailing-12-month volume represents 25.6% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 98% timely-response rate against a 3% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 40 states, led by Georgia with 68 and Michigan with 27, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 60.9/100 places American Profit Recovery, Inc., Marlborough, MA Branch in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
90
25.6% of total history
Stable →
States active
40
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
3%
After company response
Reputation grade
C
60.9/100 composite
Response-quality profile
How American Profit Recovery, Inc., Marlborough, MA Branch performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 97.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 6.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 71.4%
Share of US states + territories with at least one filed complaint against this collector.
How does American Profit Recovery, Inc., Marlborough, MA Branch compare to its peers?
American Profit Recove… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed177 (%)
False statements or representation43 (%)
Written notification about debt57 (%)
Took or threatened to take negative or legal action26 (%)
Cont'd attempts collect debt not owed12 (%)
Communication tactics6 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 128 |
| False statements or representation | Attempted to collect wrong amount | 38 |
| Written notification about debt | Didn't receive enough information to verify debt | 29 |
| Written notification about debt | Didn't receive notice of right to dispute | 28 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 26 |
| Attempts to collect debt not owed | Debt was paid | 25 |
| Attempts to collect debt not owed | Debt was result of identity theft | 24 |
| Cont'd attempts collect debt not owed | Debt is not mine | 12 |
| Communication tactics | Frequent or repeated calls | 6 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 5 |
Where do complaints against American Profit Recovery, Inc., Marlborough, MA Branch come from?
The states where consumers have filed the most CFPB complaints against American Profit Recovery, Inc., Marlborough, MA Branch. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against American Profit Recovery, Inc., Marlborough, MA Branch
Across 40 states with at least one filing
- Georgia
Georgia
68 complaints
- Michigan 27
Michigan
27 complaints
- Texas 27
Texas
27 complaints
- Florida 20
Florida
20 complaints
- Pennsylvania 20
Pennsylvania
20 complaints
- New Jersey 18
New Jersey
18 complaints
- Alabama 13
Alabama
13 complaints
- Indiana 12
Indiana
12 complaints
Frequently Asked Questions
What is the most common complaint against American Profit Recovery, Inc., Marlborough, MA Branch? ▼
The most common issue consumers report about American Profit Recovery, Inc., Marlborough, MA Branch is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 352 complaints filed with the CFPB.
Are complaints against American Profit Recovery, Inc., Marlborough, MA Branch increasing or decreasing? ▼
Complaints against American Profit Recovery, Inc., Marlborough, MA Branch have been stable. The company received 90 complaints in the last 12 months.
What is American Profit Recovery, Inc., Marlborough, MA Branch's reputation grade? ▼
American Profit Recovery, Inc., Marlborough, MA Branch has a reputation grade of C (score: 60.9/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does American Profit Recovery, Inc., Marlborough, MA Branch respond to consumer complaints? ▼
American Profit Recovery, Inc., Marlborough, MA Branch has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 3% of cases.
In how many states does American Profit Recovery, Inc., Marlborough, MA Branch operate? ▼
American Profit Recovery, Inc., Marlborough, MA Branch has received CFPB complaints from consumers in 40 states, with the most complaints from Georgia (68 complaints).
What can I do if American Profit Recovery, Inc., Marlborough, MA Branch is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If American Profit Recovery, Inc., Marlborough, MA Branch violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |