Total CFPB complaints
43
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 43 complaints
Interstate Recovery Service, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 21 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Interstate Recovery Service, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
16 complaints
- Communication tactics
Communication tactics
8 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
7 complaints
- False statements or representation 4
False statements or representation
4 complaints
- Written notification about debt 2
Written notification about debt
2 complaints
- Took or threatened to take negative or legal action 2
Took or threatened to take negative or legal action
2 complaints
F
Grade F · 41.0/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Interstate Recovery Service, Inc.?
Interstate Recovery Service, Inc. has accumulated 43 total CFPB complaints across 21 states, with 0 filed in the most recent 12 months against 43 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "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 23% timely-response rate against a 6% 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 21 states, led by California with 6 and Texas with 5, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 41.0/100 places Interstate Recovery Service, Inc. in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Falling ↓
States active
21
Distinct state filings
Timely response rate
23%
Within CFPB SLA window
Consumer disputes
6%
After company response
Reputation grade
F
41.0/100 composite
Response-quality profile
How Interstate Recovery Service, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 23.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 12.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 37.5%
Share of US states + territories with at least one filed complaint against this collector.
How does Interstate Recovery Service, Inc. compare to its peers?
Interstate Recovery Se… 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)
2016-09 2024-07
Top Consumer Issues
Attempts to collect debt not owed16 (%)
Cont'd attempts collect debt not owed7 (%)
False statements or representation4 (%)
Communication tactics8 (%)
Written notification about debt2 (%)
Took or threatened to take negative or legal action2 (%)
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 | 16 |
| Cont'd attempts collect debt not owed | Debt is not mine | 5 |
| False statements or representation | Attempted to collect wrong amount | 4 |
| Communication tactics | Frequent or repeated calls | 4 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 3 |
| Cont'd attempts collect debt not owed | Debt was paid | 2 |
| Written notification about debt | Didn't receive enough information to verify debt | 2 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 1 |
| Communication tactics | Called after sent written cease of comm | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
Where do complaints against Interstate Recovery Service, Inc. come from?
The states where consumers have filed the most CFPB complaints against Interstate Recovery Service, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Interstate Recovery Service, Inc.
Across 21 states with at least one filing
- California
California
6 complaints
- Texas
Texas
5 complaints
- Oregon
Oregon
3 complaints
- Oklahoma
Oklahoma
3 complaints
- North Carolina 2
North Carolina
2 complaints
- Georgia 2
Georgia
2 complaints
- Tennessee 2
Tennessee
2 complaints
- Florida 2
Florida
2 complaints
Frequently Asked Questions
What is the most common complaint against Interstate Recovery Service, Inc.? ▼
The most common issue consumers report about Interstate Recovery Service, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 43 complaints filed with the CFPB.
Are complaints against Interstate Recovery Service, Inc. increasing or decreasing? ▼
Complaints against Interstate Recovery Service, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.
What is Interstate Recovery Service, Inc.'s reputation grade? ▼
Interstate Recovery Service, Inc. has a reputation grade of F (score: 41.0/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Interstate Recovery Service, Inc. respond to consumer complaints? ▼
Interstate Recovery Service, Inc. has a 23% timely response rate to CFPB complaints. Consumers disputed the company's response in 6% of cases.
In how many states does Interstate Recovery Service, Inc. operate? ▼
Interstate Recovery Service, Inc. has received CFPB complaints from consumers in 21 states, with the most complaints from California (6 complaints).
What can I do if Interstate Recovery Service, 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 Interstate Recovery Service, 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 |