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

CFPB complaint data Grade D 388 complaints

Financial Recovery Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 42 states, reputation grade D.

Complaints by issue type

What consumers report about Financial Recovery Services, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 #92

  • VOL 388
  • GRADE D
  • 12MO 62
  • STATES 42
  • TIMELY 99%
  • DISPUTE 13%
  • ISSUE Attempts to collect debt n…
  • RANK #329
  • COMPOSE #92

Volume peers

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

Leafy Financial, LLCLeafy Financial, LLC383American Profit Recovery, Inc., Marlborough, MA BranchAmerican Profit Recovery, In…386Financial Credit Network IncFinancial Credit Network Inc388Financial Recovery Services, Inc. (this)Financial Recovery Services,…388American First Finance, Inc.American First Finance, Inc.392
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 →

How the 388 complaints break down

Every complaint issue type on record for Financial Recovery Services, Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
55.7/100
Financial Recovery Services, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
388
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
13%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

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

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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
Corpus ranks
#329 volume
#92 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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 Services, Inc. National average
Complaints (last 12 mo)lower is better
62
66
268
Timely-response ratehigher is better
99%
99%
91%
Consumer-dispute ratelower is better
13%
20%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Financial Recovery Services, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 92%94%96%98%100%102% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Financial Recovery Services, Inc. vs. 8 similar-volume peers, by response speed and dispute rate Financial Recovery Services, Inc.Financial Credit Network IncAmerican Profit Recovery, Inc., Marlborough, MA BranchHerbert P. Sears Co., Inc.The Best Service Co.,IncSentry Recovery and Collections, Inc.FIRST NATIONAL BANK OF OMAHANational Collection Systems, Inc.Hunt & Henriques
Source: CFPB Consumer Complaint Database

Financial Recovery Services, Inc.'s complaint volume in context

Financial Recovery Services, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

388 Top 6% higher than 94% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Financial Recovery Services, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
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.

Top states by complaints against Financial Recovery Services, Inc.

Across 42 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.