Total CFPB complaints
32
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 32 complaints
Essential Retrieval Group — Debt Collector Complaint Profile
CFPB complaint profile across 21 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Essential Retrieval Group
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
10 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
4 complaints
- Communication tactics
Communication tactics
4 complaints
- False statements or representation 3
False statements or representation
3 complaints
- Taking/threatening an illegal action 3
Taking/threatening an illegal action
3 complaints
- Improper contact or sharing of info 1
Improper contact or sharing of info
1 complaints
F
Grade F · 36.2/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Essential Retrieval Group?
Essential Retrieval Group has accumulated 32 total CFPB complaints across 21 states, with 0 filed in the most recent 12 months against 32 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 6% timely-response rate against a 8% 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 21 states, led by Florida with 4 and California with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 36.2/100 places Essential Retrieval Group 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
21
Distinct state filings
Timely response rate
6%
Within CFPB SLA window
Consumer disputes
8%
After company response
Reputation grade
F
36.2/100 composite
Response-quality profile
How Essential Retrieval Group performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 6.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 15.4%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 37.5%
Share of US states + territories with at least one filed complaint against this collector.
How does Essential Retrieval Group compare to its peers?
Essential Retrieval Gr… 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)
2014-03 2021-05
Top Consumer Issues
Cont'd attempts collect debt not owed10 (%)
Took or threatened to take negative or legal action4 (%)
False statements or representation3 (%)
Communication tactics4 (%)
Taking/threatening an illegal action3 (%)
Improper contact or sharing of info1 (%)
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 | 9 |
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 3 |
| False statements or representation | Impersonated an attorney or official | 3 |
| Communication tactics | Threatened to take legal action | 2 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 2 |
| Communication tactics | Frequent or repeated calls | 2 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 1 |
| Cont'd attempts collect debt not owed | Debt was discharged in bankruptcy | 1 |
| Improper contact or sharing of info | Talked to a third party about my debt | 1 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 1 |
Where do complaints against Essential Retrieval Group come from?
The states where consumers have filed the most CFPB complaints against Essential Retrieval Group. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Essential Retrieval Group
Across 21 states with at least one filing
- Florida
Florida
4 complaints
- California
California
3 complaints
- Tennessee
Tennessee
3 complaints
- Washington
Washington
3 complaints
- Nevada
Nevada
2 complaints
- Illinois
Illinois
2 complaints
- Wisconsin 1
Wisconsin
1 complaints
- Oregon 1
Oregon
1 complaints
Frequently Asked Questions
What is the most common complaint against Essential Retrieval Group? ▼
The most common issue consumers report about Essential Retrieval Group is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 32 complaints filed with the CFPB.
Are complaints against Essential Retrieval Group increasing or decreasing? ▼
Complaints against Essential Retrieval Group have been stable. The company received 0 complaints in the last 12 months.
What is Essential Retrieval Group's reputation grade? ▼
Essential Retrieval Group has a reputation grade of F (score: 36.2/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Essential Retrieval Group respond to consumer complaints? ▼
Essential Retrieval Group has a 6% timely response rate to CFPB complaints. Consumers disputed the company's response in 8% of cases.
In how many states does Essential Retrieval Group operate? ▼
Essential Retrieval Group has received CFPB complaints from consumers in 21 states, with the most complaints from Florida (4 complaints).
What can I do if Essential Retrieval Group 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 Essential Retrieval Group 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 |