Total CFPB complaints
715
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 715 complaints
Choice Recovery, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 33 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Choice Recovery, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
271 complaints
- Written notification about debt
Written notification about debt
201 complaints
- Cont'd attempts collect debt not owed 67
Cont'd attempts collect debt not owed
67 complaints
- False statements or representation 50
False statements or representation
50 complaints
- Disclosure verification of debt 34
Disclosure verification of debt
34 complaints
- Took or threatened to take negative or legal action 21
Took or threatened to take negative or legal action
21 complaints
D
Grade D · 55.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Choice Recovery, Inc.?
Choice Recovery, Inc. has accumulated 715 total CFPB complaints across 33 states, with 0 filed in the most recent 12 months against 715 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "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 98% timely-response rate against a 23% 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 33 states, led by Ohio with 219 and Florida with 203, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 55.1/100 places Choice Recovery, Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
33
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
23%
After company response
Reputation grade
D
55.1/100 composite
Response-quality profile
How Choice Recovery, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 45.2%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 58.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Choice Recovery, Inc. compare to its peers?
Choice 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)
2021-01 2022-12
Top Consumer Issues
Attempts to collect debt not owed271 (%)
Written notification about debt201 (%)
False statements or representation50 (%)
Cont'd attempts collect debt not owed67 (%)
Disclosure verification of debt34 (%)
Took or threatened to take negative or legal action21 (%)
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 | 157 |
| Written notification about debt | Didn't receive enough information to verify debt | 152 |
| Attempts to collect debt not owed | Debt was result of identity theft | 57 |
| Attempts to collect debt not owed | Debt was paid | 57 |
| False statements or representation | Attempted to collect wrong amount | 50 |
| Written notification about debt | Didn't receive notice of right to dispute | 49 |
| Cont'd attempts collect debt not owed | Debt is not mine | 36 |
| Disclosure verification of debt | Not given enough info to verify debt | 34 |
| Cont'd attempts collect debt not owed | Debt was paid | 31 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 21 |
Where do complaints against Choice Recovery, Inc. come from?
The states where consumers have filed the most CFPB complaints against Choice Recovery, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Choice Recovery, Inc.
Across 33 states with at least one filing
- Ohio
Ohio
219 complaints
- Florida
Florida
203 complaints
- Texas 48
Texas
48 complaints
- Georgia 40
Georgia
40 complaints
- Illinois 31
Illinois
31 complaints
- North Carolina 22
North Carolina
22 complaints
- South Carolina 21
South Carolina
21 complaints
- Kentucky 19
Kentucky
19 complaints
Frequently Asked Questions
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. have been stable. The company received 0 complaints in the last 12 months.
What is Choice Recovery, Inc.'s reputation grade? ▼
Choice Recovery, Inc. has a reputation grade of D (score: 55.1/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if Choice 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 Choice 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 |