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

CFPB complaint data Grade D 270 complaints

Key 2 Recovery, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 39 states, reputation grade D.

Complaints by issue type

What consumers report about Key 2 Recovery, Inc.

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

Data updated September 2026

CFPB complaint disposition

CCDB record key-2-recovery-inc Key 2 Recovery, Inc.

Grade D · 270 CFPB filings · 98% timely · lead issue: Attempts to collect debt not owed · vol #424 · compose #249

  • VOL 270
  • GRADE D
  • 12MO 54
  • STATES 39
  • TIMELY 98%
  • DISPUTE 26%
  • ISSUE Attempts to collect debt n…
  • RANK #424
  • COMPOSE #249

Volume peers

Nearest volume peer: Mountain Run Solutions, LLC (269 complaints)

American Accounts & Advisers, Inc.American Accounts & Advisers…268KLS Financial Services, IncKLS Financial Services, Inc268Receivable Management Group, Inc. (GA)Receivable Management Group,…268Mountain Run Solutions, LLCMountain Run Solutions, LLC269Key 2 Recovery, Inc. (this)Key 2 Recovery, Inc. (this)270
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Key 2 Recovery, Inc.'s 270 CFPB complaints sit next to Mountain Run Solutions, 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 →

How the 270 complaints break down

Every complaint issue type on record for Key 2 Recovery, Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
53.2/100
Key 2 Recovery, 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
270
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
98%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
26%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

Key 2 Recovery, Inc. spreads filings across 39 states - Indiana leads at only 8.9%

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%
Indiana still leads at 8.9% across 39 states
Seasonal peak
2025-04 14.5%
8–15% band · 9 filings
Corpus ranks
#424 volume
#249 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Key 2 Recovery, Inc. compare to its peers?

How does Key 2 Recovery, 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
Key 2 Recovery, Inc. National average
Complaints (last 12 mo)lower is better
54
0
268
Timely-response ratehigher is better
98%
97%
91%
Consumer-dispute ratelower is better
26%
0%
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 Key 2 Recovery, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 7 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 96%97%98%99%100%101% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Key 2 Recovery, Inc. vs. 6 similar-volume peers, by response speed and dispute rate Key 2 Recovery, Inc.American Accounts & Advisers, Inc.Receivable Management Group, Inc. (GA)Windham Professionals, Inc.Credit Bureau Systems, Inc., Paducah, KY BranchAccount Resolution CorporationMaury Cobb, Attorney at Law, LLC
Source: CFPB Consumer Complaint Database

Key 2 Recovery, Inc.'s complaint volume in context

Key 2 Recovery, 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)

270 Top 8% higher than 92% 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. Key 2 Recovery, 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)

Stable →
2023-08 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
91
Communication tactics
51
Written notification about debt
45
False statements or representation
36
Took or threatened to take negative or legal action
18
Threatened to contact someone or share information improperly
12
Cont'd attempts collect debt not owed
8
Improper contact or sharing of info
4
Disclosure verification of debt
2
Electronic communications
2

Where do complaints against Key 2 Recovery, Inc. come from?

Key 2 Recovery, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Key 2 Recovery, Inc.

Across 39 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 Key 2 Recovery, 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: 270.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.4%.

4 peers

Know your rights before responding to Key 2 Recovery, 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.