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

CFPB complaint data Grade F 204 complaints

Commercial Recovery Systems - Debt Collector Complaint Profile

CFPB complaint profile across 39 states, reputation grade F.

Complaints by issue type

What consumers report about Commercial Recovery Systems

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record commercial-recovery-systems Commercial Recovery Systems

Grade F · 204 CFPB filings · 47% timely · lead issue: Cont'd attempts collect debt not owed · vol #527 · compose #522

  • VOL 204
  • GRADE F
  • 12MO 0
  • STATES 39
  • TIMELY 47%
  • DISPUTE 13%
  • ISSUE Cont'd attempts collect de…
  • RANK #527
  • COMPOSE #522

Volume peers

Nearest volume peer: Collections Acquisition Company, Inc. (204 complaints)

Collections Acquisition Company, Inc.Collections Acquisition Comp…204FEDChex Recovery, LLCFEDChex Recovery, LLC204Louisiana Recovery Services Inc.Louisiana Recovery Services …204M. G. Credit, Inc.M. G. Credit, Inc.204Commercial Recovery Systems (this)Commercial Recovery Systems …204
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Commercial Recovery Systems's 204 CFPB complaints sit next to Collections Acquisition Company, 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 →

How the 204 complaints break down

Every complaint issue type on record for Commercial Recovery Systems, not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
38.4/100
Commercial Recovery Systems

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
204
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response C
47%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
13%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

Commercial Recovery Systems spreads filings across 39 states - Texas leads at only 12.7%

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Most-even geography
Lead state under 15%
Texas still leads at 12.7% across 39 states
Even monthly load
Peak under 8%
Highest month 2025-10 at 7.5% (30 filings)
Corpus ranks
#527 volume
#522 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Commercial Recovery Systems compare to its peers?

How does Commercial Recovery Systems compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Commercial Recovery Systems National average
Complaints (last 12 mo)lower is better
0
30
268
Timely-response ratehigher is better
47%
98%
91%
Consumer-dispute ratelower is better
13%
44%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Commercial Recovery Systems a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 40%60%80%100%120% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) Commercial Recovery Systems vs. 9 similar-volume peers, by response speed and dispute rate Commercial Recovery SystemsCollections Acquisition Company, Inc.Louisiana Recovery Services Inc.M. G. Credit, Inc.VIRTUOSO SOURCING GROUP, LLC.Senex Services Corp.RUSHMORE LOAN MANAGEMENT SERVICES LLCProsper Marketplace, Inc.National Business FactorsFrederick J. Hanna & Associates, P.C. (closed)
Source: CFPB Consumer Complaint Database

Commercial Recovery Systems's complaint volume in context

Commercial Recovery Systems vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

204 Top 10% higher than 90% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Commercial Recovery Systems 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Cont'd attempts collect debt not owed
58
Communication tactics
50
Taking/threatening an illegal action
24
Took or threatened to take negative or legal action
21
False statements or representation
16
Disclosure verification of debt
13
Improper contact or sharing of info
9
Threatened to contact someone or share information improperly
6
Written notification about debt
4
Attempts to collect debt not owed
3

Where do complaints against Commercial Recovery Systems come from?

Commercial Recovery Systems's own per-state count, not a national baseline.

Top states by complaints against Commercial Recovery Systems

Across 39 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Commercial Recovery Systems: 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: 204.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 46.666666666666664%.

4 peers

Know your rights before responding to Commercial Recovery Systems: 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.