What is the most common complaint against Express Recovery Services, Inc.?

The most common issue consumers report about Express Recovery Services, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 328 complaints filed with the CFPB.

Are complaints against Express Recovery Services, Inc. increasing or decreasing?

Complaints against Express Recovery Services, Inc. have been stable. The company received 64 complaints in the last 12 months.

What is Express Recovery Services, Inc.'s reputation grade?

Express Recovery Services, Inc. has a reputation grade of D (score: 54.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Express Recovery Services, Inc. respond to consumer complaints?

Express Recovery Services, Inc. has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 20% of cases.

In how many states does Express Recovery Services, Inc. operate?

Express Recovery Services, Inc. has received CFPB complaints from consumers in 22 states, with the most complaints from Utah (228 complaints).

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

Express Recovery Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 22 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

118
Written notification about debt

65
False statements or representation

44
Took or threatened to take negative or legal action

39
Cont'd attempts collect debt not owed

24
Communication tactics

15

Data updated September 2026

CFPB complaint disposition

CCDB record express-recovery-services-inc Express Recovery Services, Inc.

Grade D · 328 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed · vol #376 · compose #3442

VOL 328
GRADE D
12MO 64
STATES 22
TIMELY 99%
DISPUTE 20%
ISSUE Attempts to collect debt n…
RANK #376
COMPOSE #3,442

Volume peers

Nearest volume peer: Account Control Technology, Inc. (327 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Express Recovery Services, Inc.'s 328 CFPB complaints sit next to Account Control Technology, 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 →

State-heavy filing map

69.5% of Express Recovery Services, Inc.'s CFPB filings land in Utah

High volume does not equal a clean composite: Express Recovery Services, Inc. is volume #376 but composite #3,442, while Utah dominates the geography. Corpus placement method.

Dominant state: Utah 69.5%; 228 of 328 filings · 22 states touched
Even monthly load: Peak under 8%; Highest month 2015-04 at 6.9% (2 filings)
Divergent corpus ranks: #376 volume; #3,442 composite; Cleanest-composite ladder is 3,066 places worse than volume

How does Express Recovery Services, Inc. compare to its peers?

How does Express Recovery Services, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Express Recovery Servi… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

99%

100%

91%

Consumer-dispute ratelower is better

20%

11%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-04 2021-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	118
Written notification about debt	65
False statements or representation	44
Took or threatened to take negative or legal action	39
Cont'd attempts collect debt not owed	24
Communication tactics	15
Disclosure verification of debt	12
Improper contact or sharing of info	4
Taking/threatening an illegal action	4
Threatened to contact someone or share information improperly	3

Where do complaints against Express Recovery Services, Inc. come from?

Express Recovery Services, Inc.'s own per-state count, not a national baseline.

Utah

228
Wyoming

22
California

12
Florida

9
Texas

9
Colorado

6
Nevada

6
Virginia

6

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Express Recovery Services, Inc.: 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: 328.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.03225806451613%.

4 peers

Know your rights before responding to Express Recovery Services, Inc.: 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.