Total CFPB complaints
371
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 371 complaints
Financial Recovery Services, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 42 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Financial Recovery Services, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
134 complaints
- Written notification about debt
Written notification about debt
65 complaints
- Communication tactics 47
Communication tactics
47 complaints
- False statements or representation 30
False statements or representation
30 complaints
- Cont'd attempts collect debt not owed 20
Cont'd attempts collect debt not owed
20 complaints
- Disclosure verification of debt 11
Disclosure verification of debt
11 complaints
D
Grade D · 59.0/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Financial Recovery Services, Inc.?
Financial Recovery Services, Inc. has accumulated 371 total CFPB complaints across 42 states, with 56 filed in the most recent 12 months against 315 historical complaints before that window. The trailing-12-month volume represents 15.1% 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", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 13% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 42 states, led by Florida with 52 and New York with 40, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.0/100 places Financial Recovery Services, Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
56
15.1% of total history
Stable →
States active
42
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
13%
After company response
Reputation grade
D
59.0/100 composite
Response-quality profile
How Financial Recovery Services, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 25.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 75.0%
Share of US states + territories with at least one filed complaint against this collector.
How does Financial Recovery Services, Inc. compare to its peers?
Financial Recovery Ser… 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed134 (%)
Written notification about debt65 (%)
Communication tactics47 (%)
False statements or representation30 (%)
Cont'd attempts collect debt not owed20 (%)
Disclosure verification of debt11 (%)
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 | 81 |
| Written notification about debt | Didn't receive enough information to verify debt | 54 |
| Attempts to collect debt not owed | Debt was result of identity theft | 37 |
| Communication tactics | Frequent or repeated calls | 33 |
| False statements or representation | Attempted to collect wrong amount | 30 |
| Cont'd attempts collect debt not owed | Debt is not mine | 20 |
| Attempts to collect debt not owed | Debt was paid | 16 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 14 |
| Written notification about debt | Didn't receive notice of right to dispute | 11 |
| Disclosure verification of debt | Not given enough info to verify debt | 11 |
Where do complaints against Financial Recovery Services, Inc. come from?
The states where consumers have filed the most CFPB complaints against Financial Recovery Services, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Financial Recovery Services, Inc.
Across 42 states with at least one filing
- Florida
Florida
52 complaints
- New York
New York
40 complaints
- California
California
33 complaints
- Texas
Texas
25 complaints
- Georgia
Georgia
24 complaints
- Massachusetts 18
Massachusetts
18 complaints
- New Jersey 14
New Jersey
14 complaints
- Illinois 12
Illinois
12 complaints
Frequently Asked Questions
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 371 complaints filed with the CFPB.
Are complaints against Financial Recovery Services, Inc. increasing or decreasing? ▼
Complaints against Financial Recovery Services, Inc. have been stable. The company received 56 complaints in the last 12 months.
What is Financial Recovery Services, Inc.'s reputation grade? ▼
Financial Recovery Services, Inc. has a reputation grade of D (score: 59.0/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (52 complaints).
What can I do if Financial Recovery Services, Inc. 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 Financial Recovery Services, Inc. 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 |