Total CFPB complaints
30
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 30 complaints
Capital Recovery Systems, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 10 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Capital Recovery Systems, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
11 complaints
- False statements or representation 4
False statements or representation
4 complaints
- Cont'd attempts collect debt not owed 3
Cont'd attempts collect debt not owed
3 complaints
- Written notification about debt 3
Written notification about debt
3 complaints
- Communication tactics 1
Communication tactics
1 complaints
- Electronic communications 1
Electronic communications
1 complaints
D
Grade D · 56.9/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Capital Recovery Systems, Inc.?
Capital Recovery Systems, Inc. has accumulated 30 total CFPB complaints across 10 states, with 1 filed in the most recent 12 months against 29 historical complaints before that window. The trailing-12-month volume represents 3.3% 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 67% timely-response rate against a 11% 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 10 states, led by Ohio with 18 and Indiana 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 56.9/100 places Capital Recovery Systems, 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
1
3.3% of total history
Falling ↓
States active
10
Distinct state filings
Timely response rate
67%
Within CFPB SLA window
Consumer disputes
11%
After company response
Reputation grade
D
56.9/100 composite
Response-quality profile
How Capital Recovery Systems, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 66.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 22.2%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 17.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Capital Recovery Systems, Inc. compare to its peers?
Capital Recovery Syste… 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)
2015-08 2025-12
Top Consumer Issues
Attempts to collect debt not owed11 (%)
Cont'd attempts collect debt not owed3 (%)
False statements or representation4 (%)
Written notification about debt3 (%)
Communication tactics1 (%)
Electronic communications1 (%)
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 | 7 |
| Cont'd attempts collect debt not owed | Debt is not mine | 3 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Written notification about debt | Didn't receive enough information to verify debt | 2 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 2 |
| Attempts to collect debt not owed | Debt was result of identity theft | 2 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| Communication tactics | Threatened to take legal action | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
| Electronic communications | Frequent or repeated messages | 1 |
Where do complaints against Capital Recovery Systems, Inc. come from?
The states where consumers have filed the most CFPB complaints against Capital Recovery Systems, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Capital Recovery Systems, Inc.
Across 10 states with at least one filing
- Ohio
Ohio
18 complaints
- Indiana 3
Indiana
3 complaints
- New York 1
New York
1 complaints
- Maryland 1
Maryland
1 complaints
- Pennsylvania 1
Pennsylvania
1 complaints
- Florida 1
Florida
1 complaints
- Texas 1
Texas
1 complaints
- Illinois 1
Illinois
1 complaints
Frequently Asked Questions
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 30 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 1 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: 56.9/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 10 states, with the most complaints from Ohio (18 complaints).
What can I do if Capital Recovery Systems, 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 Capital Recovery Systems, 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 |