Total CFPB complaints
195
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 195 complaints
Central States Recovery, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 25 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Central States Recovery, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
61 complaints
- Written notification about debt
Written notification about debt
39 complaints
- False statements or representation 18
False statements or representation
18 complaints
- Disclosure verification of debt 15
Disclosure verification of debt
15 complaints
- Cont'd attempts collect debt not owed 10
Cont'd attempts collect debt not owed
10 complaints
- Communication tactics 5
Communication tactics
5 complaints
C
Grade C · 63.6/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Central States Recovery, Inc.?
Central States Recovery, Inc. has accumulated 195 total CFPB complaints across 25 states, with 29 filed in the most recent 12 months against 166 historical complaints before that window. The trailing-12-month volume represents 14.9% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
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 99% timely-response rate against a 0% 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 25 states, led by Kansas with 96 and Missouri with 37, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 63.6/100 places Central States Recovery, Inc. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
29
14.9% of total history
Rising ↑
States active
25
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
C
63.6/100 composite
Response-quality profile
How Central States Recovery, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 44.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Central States Recovery, Inc. compare to its peers?
Central States Recover… 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)
2023-01 2026-03
Top Consumer Issues
Attempts to collect debt not owed61 (%)
Written notification about debt39 (%)
False statements or representation18 (%)
Cont'd attempts collect debt not owed10 (%)
Disclosure verification of debt15 (%)
Communication tactics5 (%)
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 | 36 |
| Written notification about debt | Didn't receive enough information to verify debt | 29 |
| Attempts to collect debt not owed | Debt was paid | 19 |
| False statements or representation | Attempted to collect wrong amount | 18 |
| Written notification about debt | Didn't receive notice of right to dispute | 10 |
| Cont'd attempts collect debt not owed | Debt was paid | 10 |
| Disclosure verification of debt | Not given enough info to verify debt | 9 |
| Attempts to collect debt not owed | Debt was result of identity theft | 6 |
| Disclosure verification of debt | Right to dispute notice not received | 6 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 5 |
Where do complaints against Central States Recovery, Inc. come from?
The states where consumers have filed the most CFPB complaints against Central States Recovery, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Central States Recovery, Inc.
Across 25 states with at least one filing
- Kansas
Kansas
96 complaints
- Missouri 37
Missouri
37 complaints
- Oklahoma 23
Oklahoma
23 complaints
- Texas 6
Texas
6 complaints
- Colorado 4
Colorado
4 complaints
- Massachusetts 2
Massachusetts
2 complaints
- Tennessee 2
Tennessee
2 complaints
- Georgia 2
Georgia
2 complaints
Frequently Asked Questions
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 195 complaints filed with the CFPB.
Are complaints against Central States Recovery, Inc. increasing or decreasing? ▼
Complaints against Central States Recovery, Inc. are rising. The company received 29 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Central States Recovery, Inc.'s reputation grade? ▼
Central States Recovery, Inc. has a reputation grade of C (score: 63.6/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 (96 complaints).
What can I do if Central States Recovery, 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 Central States Recovery, 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 |