What is the most common complaint against Financial Recovery Services, Inc.?

The most common issue consumers report about Financial Recovery Services, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 388 complaints filed with the CFPB.

Are complaints against Financial Recovery Services, Inc. increasing or decreasing?

Complaints against Financial Recovery Services, Inc. are falling. The company received 62 complaints in the last 12 months, showing improvement over prior periods.

What is Financial Recovery Services, Inc.'s reputation grade?

Financial Recovery Services, Inc. has a reputation grade of D (score: 55.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Financial Recovery Services, Inc. respond to consumer complaints?

Financial Recovery Services, Inc. has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 13% of cases.

In how many states does Financial Recovery Services, Inc. operate?

Financial Recovery Services, Inc. has received CFPB complaints from consumers in 42 states, with the most complaints from Florida (56 complaints).

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

Financial Recovery Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 42 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

146
Written notification about debt

75
Communication tactics

57
False statements or representation

36
Cont'd attempts collect debt not owed

26
Took or threatened to take negative or legal action

18

Data updated September 2026

CFPB complaint disposition

CCDB record financial-recovery-services-inc Financial Recovery Services, Inc.

Grade D · 388 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed · vol #329 · compose #3215

VOL 388
GRADE D
12MO 62
STATES 42
TIMELY 99%
DISPUTE 13%
ISSUE Attempts to collect debt n…
RANK #329
COMPOSE #3,215

Volume peers

Nearest volume peer: Financial Credit Network Inc (388 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Financial Recovery Services, Inc.'s 388 CFPB complaints sit next to Financial Credit Network 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 →

Distributed filing map

Financial Recovery Services, Inc. spreads filings across 42 states - Florida leads at only 14.4%

Despite a broad state map, Financial Recovery Services, Inc. still sits volume #329 against composite #3,215 - the two RankMaps diverge by 2,886 places. Corpus placement method.

Most-even geography: Lead state under 15%; Florida still leads at 14.4% across 42 states
Seasonal peak: 2024-10 12.9%; 8–15% band · 4 filings
Divergent corpus ranks: #329 volume; #3,215 composite; Cleanest-composite ladder is 2,886 places worse than volume

How does Financial Recovery Services, Inc. compare to its peers?

How does Financial 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

Financial Recovery Ser… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

99%

91%

Consumer-dispute ratelower is better

13%

20%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2013-09 2024-10

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	146
Written notification about debt	75
Communication tactics	57
False statements or representation	36
Cont'd attempts collect debt not owed	26
Took or threatened to take negative or legal action	18
Disclosure verification of debt	11
Threatened to contact someone or share information improperly	9
Electronic communications	5
Improper contact or sharing of info	3

Where do complaints against Financial Recovery Services, Inc. come from?

Financial Recovery Services, Inc.'s own per-state count, not a national baseline.

Florida

56
New York

40
California

34
Texas

28
Georgia

25
Massachusetts

19
New Jersey

16
Illinois

12

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Financial 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: 388.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.19137466307278%.

4 peers

Know your rights before responding to Financial 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.