Total CFPB complaints
29
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 29 complaints
Capital Recovery Corporation — Debt Collector Complaint Profile
CFPB complaint profile across 16 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Capital Recovery Corporation
- Attempts to collect debt not owed
Attempts to collect debt not owed
13 complaints
- Written notification about debt 5
Written notification about debt
5 complaints
- Electronic communications 4
Electronic communications
4 complaints
- False statements or representation 3
False statements or representation
3 complaints
- Cont'd attempts collect debt not owed 2
Cont'd attempts collect debt not owed
2 complaints
- Communication tactics 1
Communication tactics
1 complaints
C
Grade C · 65.1/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Capital Recovery Corporation?
Capital Recovery Corporation has accumulated 29 total CFPB complaints across 16 states, with 7 filed in the most recent 12 months against 22 historical complaints before that window. The trailing-12-month volume represents 24.1% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
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 97% timely-response rate against a 20% 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 16 states, led by California with 9 and Maryland with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 65.1/100 places Capital Recovery Corporation 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
7
24.1% of total history
Falling ↓
States active
16
Distinct state filings
Timely response rate
97%
Within CFPB SLA window
Consumer disputes
20%
After company response
Reputation grade
C
65.1/100 composite
Response-quality profile
How Capital Recovery Corporation performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 96.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 40.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 28.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Capital Recovery Corporation compare to its peers?
Capital Recovery Corpo… 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)
2015-07 2026-01
Top Consumer Issues
Attempts to collect debt not owed13 (%)
Written notification about debt5 (%)
Electronic communications4 (%)
False statements or representation3 (%)
Cont'd attempts collect debt not owed2 (%)
Communication tactics1 (%)
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 | 9 |
| Written notification about debt | Didn't receive enough information to verify debt | 4 |
| Electronic communications | Frequent or repeated messages | 3 |
| Attempts to collect debt not owed | Debt was paid | 3 |
| False statements or representation | Attempted to collect wrong amount | 3 |
| Cont'd attempts collect debt not owed | Debt is not mine | 2 |
| Electronic communications | You told them to stop contacting you, but they keep trying | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
Where do complaints against Capital Recovery Corporation come from?
The states where consumers have filed the most CFPB complaints against Capital Recovery Corporation. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Capital Recovery Corporation
Across 16 states with at least one filing
- California
California
9 complaints
- Maryland 3
Maryland
3 complaints
- Washington 2
Washington
2 complaints
- Pennsylvania 2
Pennsylvania
2 complaints
- Georgia 2
Georgia
2 complaints
- South Carolina 1
South Carolina
1 complaints
- Tennessee 1
Tennessee
1 complaints
- Oklahoma 1
Oklahoma
1 complaints
Frequently Asked Questions
What is the most common complaint against Capital Recovery Corporation? ▼
The most common issue consumers report about Capital Recovery Corporation is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 29 complaints filed with the CFPB.
Are complaints against Capital Recovery Corporation increasing or decreasing? ▼
Complaints against Capital Recovery Corporation are falling. The company received 7 complaints in the last 12 months, showing improvement over prior periods.
What is Capital Recovery Corporation's reputation grade? ▼
Capital Recovery Corporation has a reputation grade of C (score: 65.1/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Capital Recovery Corporation respond to consumer complaints? ▼
Capital Recovery Corporation has a 97% timely response rate to CFPB complaints. Consumers disputed the company's response in 20% of cases.
In how many states does Capital Recovery Corporation operate? ▼
Capital Recovery Corporation has received CFPB complaints from consumers in 16 states, with the most complaints from California (9 complaints).
What can I do if Capital Recovery Corporation 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 Capital Recovery Corporation 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 |