Total CFPB complaints
64
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 64 complaints
Clear Recovery, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 19 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Clear Recovery, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
22 complaints
- Communication tactics
Communication tactics
12 complaints
- Written notification about debt 7
Written notification about debt
7 complaints
- Cont'd attempts collect debt not owed 6
Cont'd attempts collect debt not owed
6 complaints
- Disclosure verification of debt 6
Disclosure verification of debt
6 complaints
C
Grade C · 62.4/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Clear Recovery, Inc.?
Clear Recovery, Inc. has accumulated 64 total CFPB complaints across 19 states, with 1 filed in the most recent 12 months against 63 historical complaints before that window. The trailing-12-month volume represents 1.6% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
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 95% timely-response rate against a 14% 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 19 states, led by Nebraska with 30 and Missouri with 6, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 62.4/100 places Clear 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
1
1.6% of total history
Falling ↓
States active
19
Distinct state filings
Timely response rate
95%
Within CFPB SLA window
Consumer disputes
14%
After company response
Reputation grade
C
62.4/100 composite
Response-quality profile
How Clear Recovery, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 95.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 28.6%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 33.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Clear Recovery, Inc. compare to its peers?
Clear 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)
2020-08 2025-04
Top Consumer Issues
Attempts to collect debt not owed22 (%)
Communication tactics12 (%)
Written notification about debt7 (%)
Cont'd attempts collect debt not owed6 (%)
Disclosure verification of debt6 (%)
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 | 13 |
| Attempts to collect debt not owed | Debt was paid | 9 |
| Communication tactics | Frequent or repeated calls | 7 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 5 |
| Written notification about debt | Didn't receive enough information to verify debt | 4 |
| Cont'd attempts collect debt not owed | Debt was paid | 3 |
| Disclosure verification of debt | Right to dispute notice not received | 3 |
| Disclosure verification of debt | Not given enough info to verify debt | 3 |
| Cont'd attempts collect debt not owed | Debt is not mine | 3 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
Where do complaints against Clear Recovery, Inc. come from?
The states where consumers have filed the most CFPB complaints against Clear Recovery, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Clear Recovery, Inc.
Across 19 states with at least one filing
- Nebraska
Nebraska
30 complaints
- Missouri 6
Missouri
6 complaints
- Texas 5
Texas
5 complaints
- Iowa 4
Iowa
4 complaints
- California 4
California
4 complaints
- Virginia 2
Virginia
2 complaints
- New Mexico 1
New Mexico
1 complaints
- Tennessee 1
Tennessee
1 complaints
Frequently Asked Questions
What is the most common complaint against Clear Recovery, Inc.? ▼
The most common issue consumers report about Clear Recovery, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 64 complaints filed with the CFPB.
Are complaints against Clear Recovery, Inc. increasing or decreasing? ▼
Complaints against Clear Recovery, Inc. are falling. The company received 1 complaints in the last 12 months, showing improvement over prior periods.
What is Clear Recovery, Inc.'s reputation grade? ▼
Clear Recovery, Inc. has a reputation grade of C (score: 62.4/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Clear Recovery, Inc. respond to consumer complaints? ▼
Clear Recovery, Inc. has a 95% timely response rate to CFPB complaints. Consumers disputed the company's response in 14% of cases.
In how many states does Clear Recovery, Inc. operate? ▼
Clear Recovery, Inc. has received CFPB complaints from consumers in 19 states, with the most complaints from Nebraska (30 complaints).
What can I do if Clear 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 Clear 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 |