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

Data updated July 2026

F

Grade F · 41.8/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Commercial Recovery Systems ranks ahead of 5% of the 5,283 collectors PlainCollector grades - 95% keep a cleaner CFPB record, on 204 all-time complaints and a 47% timely-response rate.

5th pct
reputation rank of 5,283 graded collectors
204
CFPB complaints, all-time
47%
answered inside the CFPB window
0
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Commercial Recovery Systems?

Commercial Recovery Systems has accumulated 204 total CFPB complaints across 39 states, with 0 filed in the most recent 12 months against 204 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine". The company posts a 47% timely-response rate against a 13% consumer-dispute-after-response rate.

Complaints have been recorded across 39 states, led by Texas with 26 and California with 21. Normalized against the full CFPB collector database, the reputation score of 41.8/100 places Commercial Recovery Systems in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

204

mid-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

39

multi-region footprint

Timely response rate

47%

below sla band

Consumer disputes

13%

average (vertical avg ~19%)

Reputation grade

F

41.8/100 composite

How does Commercial Recovery Systems's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

42 Bottom 5% higher than 5% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Commercial Recovery Systems versus the debt-collection vertical average.

Timely response within SLA 46.7%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 12.8%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 69.6%

Share of US states + territories with at least one filed complaint against this collector.

How does Commercial Recovery Systems compare to its peers?

How does Commercial Recovery Systems compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Commercial Recovery Sy… 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.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if Commercial Recovery Systems contacts you

A grade of F signals how Commercial Recovery Systems's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Commercial Recovery Systems and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Commercial Recovery Systems ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Commercial Recovery Systems? ▼

The most common issue consumers report about Commercial Recovery Systems is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 204 complaints filed with the CFPB.

Are complaints against Commercial Recovery Systems increasing or decreasing? ▼

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

What is Commercial Recovery Systems's reputation grade? ▼

Commercial Recovery Systems has a reputation grade of F (score: 41.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Commercial Recovery Systems respond to consumer complaints? ▼

Commercial Recovery Systems has a 47% timely response rate to CFPB complaints. Consumers disputed the company's response in 13% of cases.

In how many states does Commercial Recovery Systems operate? ▼

Commercial Recovery Systems has received CFPB complaints from consumers in 39 states, with the most complaints from Texas (26 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.