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

CFPB complaint data Grade F 204 complaints

FEDChex Recovery, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 39 states, reputation grade F.

Complaints by issue type

What consumers report about FEDChex Recovery, LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 47.5/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

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

The verdict

A reputation grade of F: FEDChex Recovery, LLC ranks ahead of 11% of the 5,283 collectors PlainCollector grades - 89% keep a cleaner CFPB record, on 204 all-time complaints and a 88% timely-response rate.

11th pct
reputation rank of 5,283 graded collectors
204
CFPB complaints, all-time
88%
answered inside the CFPB window
73
in the last 12 months (rising)

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 FEDChex Recovery, LLC?

FEDChex Recovery, LLC has accumulated 204 total CFPB complaints across 39 states, with 73 filed in the most recent 12 months against 131 historical complaints before that window. The trailing-12-month volume represents 35.8% 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". The company posts a 88% timely-response rate.

Complaints have been recorded across 39 states, led by California with 38 and Florida with 21. Normalized against the full CFPB collector database, the reputation score of 47.5/100 places FEDChex Recovery, LLC in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

204

mid-volume (CCDB)

Last 12 months

73

35.8% of all-time complaints

Rising ↑

States active

39

multi-region footprint

Timely response rate

88%

acceptable band

Reputation grade

F

47.5/100 composite

How does FEDChex Recovery, LLC's reputation rank nationally?

Reputation score vs. every graded collector

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

47 Bottom 11% higher than 11% 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%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 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

FEDChex Recovery, LLC versus the debt-collection vertical average.

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 69.6%

Share of US states + territories with at least one filed complaint against this collector.

How does FEDChex Recovery, LLC compare to its peers?

How does FEDChex Recovery, LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
FEDChex Recovery, LLC National average
Complaints (last 12 mo)lower is better
73
0
268
Timely-response ratehigher is better
88%
47%
91%
Consumer-dispute ratelower is better
0%
13%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-02 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 90
Written notification about debt - 33
Communication tactics - 24
Took or threatened to take negative or legal action - 23
False statements or representation - 23
Electronic communications - 10
Threatened to contact someone or share information improperly - 1

Where do complaints against FEDChex Recovery, LLC come from?

FEDChex Recovery, LLC's own per-state count, not a national baseline.

Top states by complaints against FEDChex Recovery, LLC

Across 39 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if FEDChex Recovery, LLC contacts you

A grade of F signals how FEDChex Recovery, LLC'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 FEDChex Recovery, LLC 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 FEDChex Recovery, LLC 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 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 204 complaints filed with the CFPB.

Are complaints against FEDChex Recovery, LLC increasing or decreasing? ▼

Complaints against FEDChex Recovery, LLC are rising. The company received 73 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), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 39 states, with the most complaints from California (38 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.