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

CFPB complaint data Grade C 202 complaints

Central States Recovery, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 25 states, reputation grade C.

Complaints by issue type

What consumers report about Central States Recovery, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 #3

  • VOL 202
  • GRADE C
  • 12MO 28
  • STATES 25
  • TIMELY 99%
  • DISPUTE 0%
  • ISSUE Attempts to collect debt n…
  • RANK #532
  • COMPOSE #3

Volume peers

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

Community Health Investment Company, LLC.Community Health Investment …201Receivable Recovery Services, LLCReceivable Recovery Services…201Central States Recovery, Inc. (this)Central States Recovery, Inc…202Collections Acquisition Company, Inc.Collections Acquisition Comp…204Commercial Recovery SystemsCommercial Recovery Systems204
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 →

How the 202 complaints break down

Every complaint issue type on record for Central States Recovery, Inc., not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
60.2/100
Central States Recovery, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
202
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
0%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

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 #3, 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
#3 composite
Cleanest-composite ladder is 529 places better 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 Recovery, Inc. National average
Complaints (last 12 mo)lower is better
28
13
268
Timely-response ratehigher is better
99%
100%
91%
Consumer-dispute ratelower is better
0%
22%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Central States Recovery, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 40%60%80%100%120% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) Central States Recovery, Inc. vs. 8 similar-volume peers, by response speed and dispute rate Central States Recovery, Inc.Community Health Investment Company, LLC.Receivable Recovery Services, LLCVIRTUOSO SOURCING GROUP, LLC.M. G. Credit, Inc.Louisiana Recovery Services Inc.Alliance Collection Agencies, Inc.Commercial Recovery SystemsCollections Acquisition Company, Inc.
Source: CFPB Consumer Complaint Database

Central States Recovery, Inc.'s complaint volume in context

Central States Recovery, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

202 Top 10% higher than 90% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Central States Recovery, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
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.

Top states by complaints against Central States Recovery, Inc.

Across 25 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.