Total CFPB complaints
210
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 210 complaints
Commercial Recovery Systems — Debt Collector Complaint Profile
CFPB complaint profile across 39 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Commercial Recovery Systems
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
55 complaints
- Communication tactics
Communication tactics
42 complaints
- Taking/threatening an illegal action
Taking/threatening an illegal action
23 complaints
- Took or threatened to take negative or legal action 17
Took or threatened to take negative or legal action
17 complaints
- False statements or representation 9
False statements or representation
9 complaints
- Disclosure verification of debt 8
Disclosure verification of debt
8 complaints
F
Grade F · 41.8/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Commercial Recovery Systems?
Commercial Recovery Systems has accumulated 210 total CFPB complaints across 39 states, with 0 filed in the most recent 12 months against 210 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 "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 47% timely-response rate against a 13% 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 39 states, led by Texas with 26 and California with 21, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 41.8/100 places Commercial Recovery Systems in grade band F, 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
39
Distinct state filings
Timely response rate
47%
Within CFPB SLA window
Consumer disputes
13%
After company response
Reputation grade
F
41.8/100 composite
Response-quality profile
How Commercial Recovery Systems performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 25.6%
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?
Commercial Recovery Sy… 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)
2018-01 2021-06
Top Consumer Issues
Cont'd attempts collect debt not owed55 (%)
Communication tactics42 (%)
Took or threatened to take negative or legal action17 (%)
Taking/threatening an illegal action23 (%)
False statements or representation9 (%)
Disclosure verification of debt8 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 38 |
| Communication tactics | Threatened to take legal action | 19 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 17 |
| Cont'd attempts collect debt not owed | Debt was paid | 17 |
| Communication tactics | Frequent or repeated calls | 15 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 14 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 9 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 9 |
| Disclosure verification of debt | Not given enough info to verify debt | 8 |
| Communication tactics | Used obscene/profane/abusive language | 8 |
Where do complaints against Commercial Recovery Systems come from?
The states where consumers have filed the most CFPB complaints against Commercial Recovery Systems. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Commercial Recovery Systems
Across 39 states with at least one filing
- Texas
Texas
26 complaints
- California
California
21 complaints
- Florida
Florida
18 complaints
- New York
New York
13 complaints
- Illinois
Illinois
11 complaints
- Ohio 9
Ohio
9 complaints
- Georgia 9
Georgia
9 complaints
- Virginia 7
Virginia
7 complaints
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 210 complaints filed with the CFPB.
Are complaints against Commercial Recovery Systems increasing or decreasing? ▼
Complaints against Commercial Recovery Systems have been stable. The company received 0 complaints in the last 12 months.
What is Commercial Recovery Systems's reputation grade? ▼
Commercial Recovery Systems has a reputation grade of F (score: 41.8/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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).
What can I do if Commercial Recovery Systems 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 Commercial Recovery Systems 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 |