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

CFPB complaint data Grade D 32 complaints

Capital Recovery Systems, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 11 states, reputation grade D.

Complaints by issue type

What consumers report about Capital Recovery Systems, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 56.9/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Capital Recovery Systems, Inc. ranks ahead of 31% of the 5,283 collectors PlainCollector grades - 69% keep a cleaner CFPB record, on 32 all-time complaints and a 67% timely-response rate.

31st pct
reputation rank of 5,283 graded collectors
32
CFPB complaints, all-time
67%
answered inside the CFPB window
3
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Capital Recovery Systems, Inc.?

Capital Recovery Systems, Inc. has accumulated 32 total CFPB complaints across 11 states, with 3 filed in the most recent 12 months against 29 historical complaints before that window. The trailing-12-month volume represents 9.4% 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". The company posts a 67% timely-response rate against a 11% consumer-dispute-after-response rate.

Complaints have been recorded across 11 states, led by Ohio with 19 and Indiana with 3. Normalized against the full CFPB collector database, the reputation score of 56.9/100 places Capital Recovery Systems, Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

32

low-volume (CCDB)

Last 12 months

3

9.4% of all-time complaints

Falling ↓

States active

11

regional footprint

Timely response rate

67%

below sla band

Consumer disputes

11%

average (vertical avg ~19%)

Reputation grade

D

56.9/100 composite

How does Capital Recovery Systems, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

57 31st percentile higher than 31% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Capital Recovery Systems, Inc. versus the debt-collection vertical average.

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) 11.1%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 19.6%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
Capital Recovery Syste… National average
Complaints (last 12 mo)lower is better
3
10
268
Timely-response ratehigher is better
67%
90%
91%
Consumer-dispute ratelower is better
11%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2018-05 2022-09

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against Capital Recovery Systems, Inc.

Across 11 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Capital Recovery Systems, Inc. contacts you

A grade of D signals how Capital Recovery Systems, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Capital Recovery Systems, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Capital Recovery Systems, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 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: 56.9/100), 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).

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

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.