Total CFPB complaints
26
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 26 complaints
International Recovery Associates, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 3 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about International Recovery Associates, Inc.
- Written notification about debt
Written notification about debt
12 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
6 complaints
- False statements or representation 3
False statements or representation
3 complaints
- Communication tactics 3
Communication tactics
3 complaints
- Took or threatened to take negative or legal action 2
Took or threatened to take negative or legal action
2 complaints
C
Grade C · 59.5/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about International Recovery Associates, Inc.?
International Recovery Associates, Inc. has accumulated 26 total CFPB complaints across 3 states, with 2 filed in the most recent 12 months against 24 historical complaints before that window. The trailing-12-month volume represents 7.7% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 3 states, led by New York with 24 and New Jersey with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.5/100 places International Recovery Associates, Inc. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
2
7.7% of total history
Falling ↓
States active
3
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
C
59.5/100 composite
Response-quality profile
How International Recovery Associates, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 5.4%
Share of US states + territories with at least one filed complaint against this collector.
How does International Recovery Associates, Inc. compare to its peers?
International Recovery… 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)
2017-09 2025-11
Top Consumer Issues
Written notification about debt12 (%)
Attempts to collect debt not owed6 (%)
False statements or representation3 (%)
Communication tactics3 (%)
Took or threatened to take negative or legal action2 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
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 |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 11 |
| Attempts to collect debt not owed | Debt is not yours | 4 |
| False statements or representation | Attempted to collect wrong amount | 3 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| Communication tactics | Frequent or repeated calls | 2 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 1 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| Took or threatened to take negative or legal action | Collected or attempted to collect exempt funds | 1 |
Where do complaints against International Recovery Associates, Inc. come from?
The states where consumers have filed the most CFPB complaints against International Recovery Associates, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against International Recovery Associates, Inc.
Across 3 states with at least one filing
- New York
New York
24 complaints
- New Jersey 1
New Jersey
1 complaints
- Georgia 1
Georgia
1 complaints
Frequently Asked Questions
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 26 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 C (score: 59.5/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 (24 complaints).
What can I do if International Recovery Associates, 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 International Recovery Associates, 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 |