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

CFPB complaint data Grade D 328 complaints

Express Recovery Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 22 states, reputation grade D.

Complaints by issue type

What consumers report about Express Recovery Services, Inc.

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

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 #160

  • VOL 328
  • GRADE D
  • 12MO 64
  • STATES 22
  • TIMELY 99%
  • DISPUTE 20%
  • ISSUE Attempts to collect debt n…
  • RANK #376
  • COMPOSE #160

Volume peers

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

Account Control Technology, Inc.Account Control Technology, …327Avadyne Health Holdings, IncAvadyne Health Holdings, Inc327Global Credit & Collection CorporationGlobal Credit & Collection C…327State Employees Credit UnionState Employees Credit Union327Express Recovery Services, Inc. (this)Express Recovery Services, I…328
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 →

How the 328 complaints break down

Every complaint issue type on record for Express Recovery Services, Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
54.5/100
Express Recovery Services, Inc.

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
328
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
20%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

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

Concentration is computed from this collector's company_states rows only, not a national baseline. 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)
Corpus ranks
#376 volume
#160 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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 Services, Inc. National average
Complaints (last 12 mo)lower is better
64
1
268
Timely-response ratehigher is better
99%
100%
91%
Consumer-dispute ratelower is better
20%
11%
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 Express Recovery Services, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 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 80%85%90%95%100%105% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Express Recovery Services, Inc. vs. 10 similar-volume peers, by response speed and dispute rate Express Recovery Services, Inc.Account Control Technology, Inc.Avadyne Health Holdings, IncGlobal Credit & Collection CorporationSTATE EMPLOYEES CREDIT UNIONPhillips & Cohen Associates, Ltd.North Shore Agency, LLCCascade Capital, LLCTransfinancial Companies, IncSecond Round Limited Partnership, Austin, TX BranchCOAST PROFESSIONAL, INC.
Source: CFPB Consumer Complaint Database

Express Recovery Services, Inc.'s complaint volume in context

Express Recovery Services, Inc. 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)

328 Top 7% higher than 93% 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. Express Recovery Services, Inc. 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)

Stable →
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.

Top states by complaints against Express Recovery Services, Inc.

Across 22 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 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.