Total CFPB complaints
19
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 19 complaints
Certified Recovery Inc — Debt Collector Complaint Profile
CFPB complaint profile across 4 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Certified Recovery Inc
- Written notification about debt
Written notification about debt
7 complaints
- Disclosure verification of debt 2
Disclosure verification of debt
2 complaints
- Communication tactics 2
Communication tactics
2 complaints
- Cont'd attempts collect debt not owed 2
Cont'd attempts collect debt not owed
2 complaints
- False statements or representation 1
False statements or representation
1 complaints
- Improper contact or sharing of info 1
Improper contact or sharing of info
1 complaints
B
Grade B · 71.1/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Certified Recovery Inc?
Certified Recovery Inc has accumulated 19 total CFPB complaints across 4 states, with 1 filed in the most recent 12 months against 18 historical complaints before that window. The trailing-12-month volume represents 5.3% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 13% 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 4 states, led by Wisconsin with 12 and Minnesota with 5, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 71.1/100 places Certified Recovery Inc in grade band B, 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
5.3% of total history
Stable →
States active
4
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
13%
After company response
Reputation grade
B
71.1/100 composite
Response-quality profile
How Certified Recovery Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 25.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Certified Recovery Inc compare to its peers?
Certified Recovery Inc 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)
2013-07 2025-04
Top Consumer Issues
Written notification about debt7 (%)
Disclosure verification of debt2 (%)
Communication tactics2 (%)
False statements or representation1 (%)
Improper contact or sharing of info1 (%)
Cont'd attempts collect debt not owed2 (%)
Took or threatened to take negative or legal action1 (%)
Attempts to collect debt not owed1 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
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 |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 5 |
| Disclosure verification of debt | Right to dispute notice not received | 2 |
| Communication tactics | Used obscene/profane/abusive language | 2 |
| Written notification about debt | Didn't receive notice of right to dispute | 2 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Improper contact or sharing of info | Talked to a third party about my debt | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 1 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
Where do complaints against Certified Recovery Inc come from?
The states where consumers have filed the most CFPB complaints against Certified Recovery Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Certified Recovery Inc
Across 4 states with at least one filing
- Wisconsin
Wisconsin
12 complaints
- Minnesota
Minnesota
5 complaints
- Michigan 1
Michigan
1 complaints
- Iowa 1
Iowa
1 complaints
Frequently Asked Questions
What is the most common complaint against Certified Recovery Inc? ▼
The most common issue consumers report about Certified Recovery Inc is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 19 complaints filed with the CFPB.
Are complaints against Certified Recovery Inc increasing or decreasing? ▼
Complaints against Certified Recovery Inc have been stable. The company received 1 complaints in the last 12 months.
What is Certified Recovery Inc's reputation grade? ▼
Certified Recovery Inc has a reputation grade of B (score: 71.1/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does Certified Recovery Inc respond to consumer complaints? ▼
Certified Recovery Inc has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 13% of cases.
In how many states does Certified Recovery Inc operate? ▼
Certified Recovery Inc has received CFPB complaints from consumers in 4 states, with the most complaints from Wisconsin (12 complaints).
What can I do if Certified 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 Certified 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 |