Total CFPB complaints
13
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 13 complaints
Bowen & Associates Recovery, Inc — Debt Collector Complaint Profile
CFPB complaint profile across 9 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Bowen & Associates Recovery, Inc
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
5 complaints
- Communication tactics
Communication tactics
4 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
- Taking/threatening an illegal action 1
Taking/threatening an illegal action
1 complaints
- Took or threatened to take negative or legal action 1
Took or threatened to take negative or legal action
1 complaints
- Threatened to contact someone or share information improperly 1
Threatened to contact someone or share information improperly
1 complaints
D
Grade D · 59.0/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Bowen & Associates Recovery, Inc?
Bowen & Associates Recovery, Inc has accumulated 13 total CFPB complaints across 9 states, with 0 filed in the most recent 12 months against 13 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 62% timely-response rate against a 17% 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 9 states, led by Texas with 3 and Florida with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.0/100 places Bowen & Associates Recovery, Inc in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
9
Distinct state filings
Timely response rate
62%
Within CFPB SLA window
Consumer disputes
17%
After company response
Reputation grade
D
59.0/100 composite
Response-quality profile
How Bowen & Associates Recovery, Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 61.5%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 33.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 16.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Bowen & Associates Recovery, Inc compare to its peers?
Bowen & Associates Rec… 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)
2014-11 2020-01
Top Consumer Issues
Cont'd attempts collect debt not owed5 (%)
Communication tactics4 (%)
Written notification about debt1 (%)
Taking/threatening an illegal action1 (%)
Took or threatened to take negative or legal action1 (%)
Threatened to contact someone or share information improperly1 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 3 |
| Cont'd attempts collect debt not owed | Debt was paid | 2 |
| Communication tactics | Used obscene, profane, or other abusive language | 2 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
| Taking/threatening an illegal action | Seized/Attempted to seize property | 1 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 1 |
| Threatened to contact someone or share information improperly | Contacted your employer | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
Where do complaints against Bowen & Associates Recovery, Inc come from?
The states where consumers have filed the most CFPB complaints against Bowen & Associates Recovery, Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Bowen & Associates Recovery, Inc
Across 9 states with at least one filing
- Texas
Texas
3 complaints
- Florida
Florida
2 complaints
- Arizona
Arizona
2 complaints
- Delaware 1
Delaware
1 complaints
- Mississippi 1
Mississippi
1 complaints
- Iowa 1
Iowa
1 complaints
- Georgia 1
Georgia
1 complaints
- Kansas 1
Kansas
1 complaints
Frequently Asked Questions
What is the most common complaint against Bowen & Associates Recovery, Inc? ▼
The most common issue consumers report about Bowen & Associates Recovery, Inc is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 13 complaints filed with the CFPB.
Are complaints against Bowen & Associates Recovery, Inc increasing or decreasing? ▼
Complaints against Bowen & Associates Recovery, Inc have been stable. The company received 0 complaints in the last 12 months.
What is Bowen & Associates Recovery, Inc's reputation grade? ▼
Bowen & Associates Recovery, Inc has a reputation grade of D (score: 59.0/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Bowen & Associates Recovery, Inc respond to consumer complaints? ▼
Bowen & Associates Recovery, Inc has a 62% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.
In how many states does Bowen & Associates Recovery, Inc operate? ▼
Bowen & Associates Recovery, Inc has received CFPB complaints from consumers in 9 states, with the most complaints from Texas (3 complaints).
What can I do if Bowen & Associates Recovery, Inc 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 Bowen & Associates Recovery, Inc 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 |