What is the most common complaint against M&S Recovery Solutions?

The most common issue consumers report about M&S Recovery Solutions is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 25 complaints filed with the CFPB.

Are complaints against M&S Recovery Solutions increasing or decreasing?

Complaints against M&S Recovery Solutions are falling. The company received 1 complaints in the last 12 months, showing improvement over prior periods.

What is M&S Recovery Solutions's reputation grade?

M&S Recovery Solutions has a reputation grade of B (score: 63.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does M&S Recovery Solutions respond to consumer complaints?

M&S Recovery Solutions has a 92% timely response rate to CFPB complaints. Consumers disputed the company's response in 8% of cases.

In how many states does M&S Recovery Solutions operate?

M&S Recovery Solutions has received CFPB complaints from consumers in 18 states, with the most complaints from New Jersey (3 complaints).

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

M&S Recovery Solutions - Debt Collector Complaint Profile

CFPB complaint profile across 18 states, reputation grade B.

Compiled by PlainCollector

Cont'd attempts collect debt not owed

9
Communication tactics

5
Improper contact or sharing of info

5
Taking/threatening an illegal action

4
False statements or representation

1
Disclosure verification of debt

1

Data updated September 2026

CFPB complaint disposition

CCDB record m-s-recovery-solutions M&S Recovery Solutions

Grade B · 25 CFPB filings · 92% timely · lead issue: Cont'd attempts collect debt not owed · vol #1712 · compose #1903

VOL 25
GRADE B
12MO 1
STATES 18
TIMELY 92%
DISPUTE 8%
ISSUE Cont'd attempts collect de…
RANK #1,712
COMPOSE #1,903

Volume peers

Nearest volume peer: Absolute Credit LLC (25 complaints)

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

M&S Recovery Solutions's 25 CFPB complaints sit next to Absolute Credit 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 →

Distributed filing map

M&S Recovery Solutions spreads filings across 18 states - New Jersey leads at only 12.0%

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%; New Jersey still leads at 12.0% across 18 states
Seasonal peak: 2016-09 8.3%; 8–15% band · 3 filings
Corpus ranks: #1,712 volume; #1,903 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does M&S Recovery Solutions compare to its peers?

How does M&S Recovery Solutions compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

M&S Recovery Solutions National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

92%

84%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-07 2019-05

Issue Detail Breakdown

Issue	Complaints
Cont'd attempts collect debt not owed	9
Communication tactics	5
Improper contact or sharing of info	5
Taking/threatening an illegal action	4
False statements or representation	1
Disclosure verification of debt	1

Where do complaints against M&S Recovery Solutions come from?

M&S Recovery Solutions's own per-state count, not a national baseline.

New Jersey

3
Texas

3
Michigan

2
Virginia

2
Wisconsin

2
Colorado

1
District of Columbia

1
Florida

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for M&S Recovery Solutions: 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: 25.

4 peers

Know your rights before responding to M&S Recovery Solutions: 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.