Total CFPB complaints
188
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 188 complaints
FEDChex Recovery, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 38 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about FEDChex Recovery, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
81 complaints
- Written notification about debt 28
Written notification about debt
28 complaints
- False statements or representation 23
False statements or representation
23 complaints
- Took or threatened to take negative or legal action 20
Took or threatened to take negative or legal action
20 complaints
- Communication tactics 20
Communication tactics
20 complaints
- Electronic communications 4
Electronic communications
4 complaints
F
Grade F · 47.5/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about FEDChex Recovery, LLC?
FEDChex Recovery, LLC has accumulated 188 total CFPB complaints across 38 states, with 74 filed in the most recent 12 months against 114 historical complaints before that window. The trailing-12-month volume represents 39.4% 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 88% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 38 states, led by California with 35 and Florida with 21, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 47.5/100 places FEDChex Recovery, LLC 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
74
39.4% of total history
Rising ↑
States active
38
Distinct state filings
Timely response rate
88%
Within CFPB SLA window
Reputation grade
F
47.5/100 composite
Response-quality profile
How FEDChex Recovery, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 88.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 67.9%
Share of US states + territories with at least one filed complaint against this collector.
How does FEDChex Recovery, LLC compare to its peers?
FEDChex Recovery, LLC 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)
2024-01 2026-03
Top Consumer Issues
Attempts to collect debt not owed81 (%)
False statements or representation23 (%)
Written notification about debt28 (%)
Took or threatened to take negative or legal action20 (%)
Communication tactics20 (%)
Electronic communications4 (%)
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 | 50 |
| False statements or representation | Attempted to collect wrong amount | 23 |
| Written notification about debt | Didn't receive enough information to verify debt | 21 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 20 |
| Attempts to collect debt not owed | Debt was paid | 16 |
| Attempts to collect debt not owed | Debt was result of identity theft | 15 |
| Communication tactics | Frequent or repeated calls | 14 |
| Written notification about debt | Didn't receive notice of right to dispute | 7 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 6 |
| Electronic communications | Frequent or repeated messages | 4 |
Where do complaints against FEDChex Recovery, LLC come from?
The states where consumers have filed the most CFPB complaints against FEDChex Recovery, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against FEDChex Recovery, LLC
Across 38 states with at least one filing
- California
California
35 complaints
- Florida
Florida
21 complaints
- Texas
Texas
19 complaints
- Illinois 12
Illinois
12 complaints
- Georgia 12
Georgia
12 complaints
- New York 10
New York
10 complaints
- Arizona 6
Arizona
6 complaints
- Michigan 6
Michigan
6 complaints
Frequently Asked Questions
What is the most common complaint against FEDChex Recovery, LLC? ▼
The most common issue consumers report about FEDChex Recovery, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 188 complaints filed with the CFPB.
Are complaints against FEDChex Recovery, LLC increasing or decreasing? ▼
Complaints against FEDChex Recovery, LLC are rising. The company received 74 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is FEDChex Recovery, LLC's reputation grade? ▼
FEDChex Recovery, LLC has a reputation grade of F (score: 47.5/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does FEDChex Recovery, LLC respond to consumer complaints? ▼
FEDChex Recovery, LLC has a 88% timely response rate to CFPB complaints.
In how many states does FEDChex Recovery, LLC operate? ▼
FEDChex Recovery, LLC has received CFPB complaints from consumers in 38 states, with the most complaints from California (35 complaints).
What can I do if FEDChex Recovery, LLC 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 FEDChex Recovery, LLC 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 |