What is the most common complaint against Central States Recovery, Inc.?

The most common issue consumers report about Central States Recovery, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 202 complaints filed with the CFPB.

Are complaints against Central States Recovery, Inc. increasing or decreasing?

Complaints against Central States Recovery, Inc. are falling. The company received 28 complaints in the last 12 months, showing improvement over prior periods.

What is Central States Recovery, Inc.'s reputation grade?

Central States Recovery, Inc. has a reputation grade of C (score: 60.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Central States Recovery, Inc. respond to consumer complaints?

Central States Recovery, Inc. has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Central States Recovery, Inc. operate?

Central States Recovery, Inc. has received CFPB complaints from consumers in 25 states, with the most complaints from Kansas (97 complaints).

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

Central States Recovery, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 25 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

69
Written notification about debt

40
False statements or representation

24
Communication tactics

17
Disclosure verification of debt

17
Cont'd attempts collect debt not owed

15

Data updated September 2026

CFPB complaint disposition

CCDB record central-states-recovery-inc Central States Recovery, Inc.

Grade C · 202 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed · vol #532 · compose #2326

VOL 202
GRADE C
12MO 28
STATES 25
TIMELY 99%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #532
COMPOSE #2,326

Volume peers

Nearest volume peer: Community Health Investment Company, LLC. (201 complaints)

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

Central States Recovery, Inc.'s 202 CFPB complaints sit next to Community Health Investment Company, LLC. 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

48.0% of Central States Recovery, Inc.'s CFPB filings land in Kansas

High volume does not equal a clean composite: Central States Recovery, Inc. is volume #532 but composite #2,326, while Kansas dominates the geography. Corpus placement method.

Dominant state: Kansas 48.0%; 97 of 202 filings · 25 states touched
Seasonal peak: 2025-01 9.8%; 8–15% band · 4 filings
Divergent corpus ranks: #532 volume; #2,326 composite; Cleanest-composite ladder is 1,794 places worse than volume

How does Central States Recovery, Inc. compare to its peers?

How does Central States Recovery, 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

Central States Recover… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

99%

100%

91%

Consumer-dispute ratelower is better

22%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-01 2026-01

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	69
Written notification about debt	40
False statements or representation	24
Communication tactics	17
Disclosure verification of debt	17
Cont'd attempts collect debt not owed	15
Took or threatened to take negative or legal action	11
Threatened to contact someone or share information improperly	5
Taking/threatening an illegal action	2
Improper contact or sharing of info	1

Where do complaints against Central States Recovery, Inc. come from?

Central States Recovery, Inc.'s own per-state count, not a national baseline.

Kansas

97
Missouri

38
Oklahoma

25
Texas

7
Colorado

4
Arizona

3
Florida

3
Arkansas

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Central States Recovery, 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: 202.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.97435897435898%.

4 peers

Know your rights before responding to Central States Recovery, 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.