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

The most common issue consumers report about Choice Recovery, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 715 complaints filed with the CFPB.

Are complaints against Choice Recovery, Inc. increasing or decreasing?

Complaints against Choice Recovery, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Choice Recovery, Inc.'s reputation grade?

Choice Recovery, Inc. has a reputation grade of D (score: 51.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Choice Recovery, Inc. respond to consumer complaints?

Choice Recovery, Inc. has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 23% of cases.

In how many states does Choice Recovery, Inc. operate?

Choice Recovery, Inc. has received CFPB complaints from consumers in 33 states, with the most complaints from Ohio (219 complaints).

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

Choice Recovery, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 33 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

279
Written notification about debt

206
Cont'd attempts collect debt not owed

72
False statements or representation

56
Disclosure verification of debt

56
Took or threatened to take negative or legal action

21

Data updated September 2026

CFPB complaint disposition

CCDB record choice-recovery-inc Choice Recovery, Inc.

Grade D · 715 CFPB filings · 98% timely · lead issue: Attempts to collect debt not owed · vol #198 · compose #3884

VOL 715
GRADE D
12MO 0
STATES 33
TIMELY 98%
DISPUTE 23%
ISSUE Attempts to collect debt n…
RANK #198
COMPOSE #3,884

Volume peers

Nearest volume peer: State Collection Service, Inc. (710 complaints)

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

Choice Recovery, Inc.'s 715 CFPB complaints sit next to State Collection Service, Inc. 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

30.6% of Choice Recovery, Inc.'s CFPB filings land in Ohio

High volume does not equal a clean composite: Choice Recovery, Inc. is volume #198 but composite #3,884, while Ohio dominates the geography. Corpus placement method.

Dominant state: Ohio 30.6%; 219 of 715 filings · 33 states touched
Even monthly load: Peak under 8%; Highest month 2025-07 at 6.4% (122 filings)
Divergent corpus ranks: #198 volume; #3,884 composite; Cleanest-composite ladder is 3,686 places worse than volume

How does Choice Recovery, Inc. compare to its peers?

How does Choice 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

Choice Recovery, Inc. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

98%

100%

91%

Consumer-dispute ratelower is better

23%

15%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	279
Written notification about debt	206
Cont'd attempts collect debt not owed	72
False statements or representation	56
Disclosure verification of debt	56
Took or threatened to take negative or legal action	21
Communication tactics	16
Improper contact or sharing of info	6
Taking/threatening an illegal action	2
Threatened to contact someone or share information improperly	1

Where do complaints against Choice Recovery, Inc. come from?

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

Ohio

219
Florida

203
Texas

48
Georgia

40
Illinois

31
North Carolina

22
South Carolina

21
Kentucky

19

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Choice 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: 715.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.18181818181819%.

4 peers

Know your rights before responding to Choice 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.