What is the most common complaint against International Recovery Associates, Inc.?

The most common issue consumers report about International Recovery Associates, Inc. is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 27 complaints filed with the CFPB.

Are complaints against International Recovery Associates, Inc. increasing or decreasing?

Complaints against International Recovery Associates, Inc. are falling. The company received 2 complaints in the last 12 months, showing improvement over prior periods.

What is International Recovery Associates, Inc.'s reputation grade?

International Recovery Associates, Inc. has a reputation grade of D (score: 55.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does International Recovery Associates, Inc. respond to consumer complaints?

International Recovery Associates, Inc. has a 100% timely response rate to CFPB complaints.

In how many states does International Recovery Associates, Inc. operate?

International Recovery Associates, Inc. has received CFPB complaints from consumers in 3 states, with the most complaints from New York (25 complaints).

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

International Recovery Associates, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 3 states, reputation grade D.

Compiled by PlainCollector

Written notification about debt

12
Attempts to collect debt not owed

6
False statements or representation

4
Communication tactics

3
Took or threatened to take negative or legal action

2

Data updated September 2026

CFPB complaint disposition

CCDB record international-recovery-associates-inc International Recovery Associates, Inc.

Grade D · 27 CFPB filings · 100% timely · lead issue: Written notification about debt · vol #1626 · compose #3241

VOL 27
GRADE D
12MO 2
STATES 3
TIMELY 100%
ISSUE Written notification about…
RANK #1,626
COMPOSE #3,241

Volume peers

Nearest volume peer: AAA Auto Title Loans, LLC (27 complaints)

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

International Recovery Associates, Inc.'s 27 CFPB complaints sit next to AAA Auto Title Loans, LLC 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 →

State-heavy filing map

92.6% of International Recovery Associates, Inc.'s CFPB filings land in New York

High volume does not equal a clean composite: International Recovery Associates, Inc. is volume #1,626 but composite #3,241, while New York dominates the geography. Corpus placement method.

Dominant state: New York 92.6%; 25 of 27 filings · 3 states touched
Seasonal peak: 2021-11 9.1%; 8–15% band · 2 filings
Divergent corpus ranks: #1,626 volume; #3,241 composite; Cleanest-composite ladder is 1,615 places worse than volume

How does International Recovery Associates, Inc. compare to its peers?

How does International Recovery Associates, 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

International Recovery… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

52%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2016-02 2026-01

Issue Detail Breakdown

Issue	Complaints
Written notification about debt	12
Attempts to collect debt not owed	6
False statements or representation	4
Communication tactics	3
Took or threatened to take negative or legal action	2

Where do complaints against International Recovery Associates, Inc. come from?

International Recovery Associates, Inc.'s own per-state count, not a national baseline.

New York

25
Georgia

1
New Jersey

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for International Recovery Associates, 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: 27.

4 peers

Know your rights before responding to International Recovery Associates, 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.