Total CFPB complaints
310
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 310 complaints
Express Recovery Services, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 22 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Express Recovery Services, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
107 complaints
- Written notification about debt
Written notification about debt
61 complaints
- False statements or representation 34
False statements or representation
34 complaints
- Took or threatened to take negative or legal action 32
Took or threatened to take negative or legal action
32 complaints
- Cont'd attempts collect debt not owed 17
Cont'd attempts collect debt not owed
17 complaints
- Disclosure verification of debt 8
Disclosure verification of debt
8 complaints
D
Grade D · 57.3/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Express Recovery Services, Inc.?
Express Recovery Services, Inc. has accumulated 310 total CFPB complaints across 22 states, with 59 filed in the most recent 12 months against 251 historical complaints before that window. The trailing-12-month volume represents 19.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 20% 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 22 states, led by Utah with 217 and Wyoming with 19, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.3/100 places Express Recovery Services, Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
59
19.0% of total history
Rising ↑
States active
22
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
20%
After company response
Reputation grade
D
57.3/100 composite
Response-quality profile
How Express Recovery Services, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 40.7%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 39.3%
Share of US states + territories with at least one filed complaint against this collector.
How does Express Recovery Services, Inc. compare to its peers?
Express Recovery Servi… 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed107 (%)
Written notification about debt61 (%)
False statements or representation34 (%)
Took or threatened to take negative or legal action32 (%)
Cont'd attempts collect debt not owed17 (%)
Disclosure verification of debt8 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 52 |
| Written notification about debt | Didn't receive enough information to verify debt | 45 |
| Attempts to collect debt not owed | Debt was paid | 42 |
| False statements or representation | Attempted to collect wrong amount | 34 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 20 |
| Cont'd attempts collect debt not owed | Debt is not mine | 17 |
| Written notification about debt | Didn't receive notice of right to dispute | 16 |
| Attempts to collect debt not owed | Debt was result of identity theft | 13 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 12 |
| Disclosure verification of debt | Not given enough info to verify debt | 8 |
Where do complaints against Express Recovery Services, Inc. come from?
The states where consumers have filed the most CFPB complaints against Express Recovery Services, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Express Recovery Services, Inc.
Across 22 states with at least one filing
- Utah
Utah
217 complaints
- Wyoming 19
Wyoming
19 complaints
- California 11
California
11 complaints
- Texas 8
Texas
8 complaints
- Florida 7
Florida
7 complaints
- Colorado 6
Colorado
6 complaints
- Virginia 6
Virginia
6 complaints
- Nevada 6
Nevada
6 complaints
Frequently Asked Questions
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 310 complaints filed with the CFPB.
Are complaints against Express Recovery Services, Inc. increasing or decreasing? ▼
Complaints against Express Recovery Services, Inc. are rising. The company received 59 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Express Recovery Services, Inc.'s reputation grade? ▼
Express Recovery Services, Inc. has a reputation grade of D (score: 57.3/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (217 complaints).
What can I do if Express Recovery Services, Inc. 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 Express Recovery Services, Inc. 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 |