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

Data updated July 2026

D

Grade D · 57.3/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Express Recovery Services, Inc. ranks ahead of 33% of the 5,283 collectors PlainCollector grades - 67% keep a cleaner CFPB record, on 328 all-time complaints and a 99% timely-response rate.

33rd pct
reputation rank of 5,283 graded collectors
328
CFPB complaints, all-time
99%
answered inside the CFPB window
64
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Express Recovery Services, Inc.?

Express Recovery Services, Inc. has accumulated 328 total CFPB complaints across 22 states, with 64 filed in the most recent 12 months against 264 historical complaints before that window. The trailing-12-month volume represents 19.5% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 99% timely-response rate against a 20% consumer-dispute-after-response rate.

Complaints have been recorded across 22 states, led by Utah with 228 and Wyoming with 22. Normalized against the full CFPB collector database, the reputation score of 57.3/100 places Express Recovery Services, Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

328

mid-volume (CCDB)

Last 12 months

64

19.5% of all-time complaints

Stable →

States active

22

multi-region footprint

Timely response rate

99%

excellent band

Consumer disputes

20%

elevated (vertical avg ~19%)

Reputation grade

D

57.3/100 composite

How does Express Recovery Services, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

57 33rd percentile higher than 33% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Express Recovery Services, Inc. versus the debt-collection vertical average.

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) 20.3%
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?

How does Express Recovery Services, Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Express Recovery Servi… 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.

Complaint Trend (24 months)

2015-04 2021-02

Issue Detail Breakdown

Issue Sub-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

What to do if Express Recovery Services, Inc. contacts you

A grade of D signals how Express Recovery Services, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Express Recovery Services, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Express Recovery Services, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 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: 57.3/100), 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).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.