What is the most common complaint against Capital Recovery Systems, Inc.?

The most common issue consumers report about Capital Recovery Systems, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 32 complaints filed with the CFPB.

Are complaints against Capital Recovery Systems, Inc. increasing or decreasing?

Complaints against Capital Recovery Systems, Inc. are falling. The company received 3 complaints in the last 12 months, showing improvement over prior periods.

What is Capital Recovery Systems, Inc.'s reputation grade?

Capital Recovery Systems, Inc. has a reputation grade of D (score: 52.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Capital Recovery Systems, Inc. respond to consumer complaints?

Capital Recovery Systems, Inc. has a 67% timely response rate to CFPB complaints. Consumers disputed the company's response in 11% of cases.

In how many states does Capital Recovery Systems, Inc. operate?

Capital Recovery Systems, Inc. has received CFPB complaints from consumers in 11 states, with the most complaints from Ohio (19 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Capital Recovery Systems, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 11 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

12
False statements or representation

5
Written notification about debt

3
Communication tactics

3
Cont'd attempts collect debt not owed

3
Took or threatened to take negative or legal action

2

Data updated September 2026

CFPB complaint disposition

CCDB record capital-recovery-systems-inc Capital Recovery Systems, Inc.

Grade D · 32 CFPB filings · 67% timely · lead issue: Attempts to collect debt not owed · vol #1486 · compose #3774

VOL 32
GRADE D
12MO 3
STATES 11
TIMELY 67%
DISPUTE 11%
ISSUE Attempts to collect debt n…
RANK #1,486
COMPOSE #3,774

Volume peers

Nearest volume peer: ADR ARBITRATION SERVICES (Closed) (32 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Capital Recovery Systems, Inc.'s 32 CFPB complaints sit next to ADR ARBITRATION SERVICES (Closed) on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

59.4% of Capital Recovery Systems, Inc.'s CFPB filings land in Ohio

High volume does not equal a clean composite: Capital Recovery Systems, Inc. is volume #1,486 but composite #3,774, while Ohio dominates the geography. Corpus placement method.

Dominant state: Ohio 59.4%; 19 of 32 filings · 11 states touched
Spike month: 2020-03 25.0%; 2 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #1,486 volume; #3,774 composite; Cleanest-composite ladder is 2,288 places worse than volume

How does Capital Recovery Systems, Inc. compare to its peers?

How does Capital Recovery Systems, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Capital Recovery Syste… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

67%

90%

91%

Consumer-dispute ratelower is better

11%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2018-05 2022-09

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	12
False statements or representation	5
Written notification about debt	3
Communication tactics	3
Cont'd attempts collect debt not owed	3
Took or threatened to take negative or legal action	2
Disclosure verification of debt	1
Improper contact or sharing of info	1
Electronic communications	1
Taking/threatening an illegal action	1

Where do complaints against Capital Recovery Systems, Inc. come from?

Capital Recovery Systems, Inc.'s own per-state count, not a national baseline.

Ohio

19
Indiana

3
Connecticut

1
Florida

1
Georgia

1
Illinois

1
Iowa

1
Maryland

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Capital Recovery Systems, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 32.

4 peers

Know your rights before responding to Capital Recovery Systems, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.