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

CFPB complaint data Grade F 40 complaints

Medical Recovery Services, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 7 states, reputation grade F.

Complaints by issue type

What consumers report about Medical Recovery Services, LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 49.4/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Medical Recovery Services, LLC ranks ahead of 13% of the 5,283 collectors PlainCollector grades - 87% keep a cleaner CFPB record, on 40 all-time complaints and a 41% timely-response rate.

13th pct
reputation rank of 5,283 graded collectors
40
CFPB complaints, all-time
41%
answered inside the CFPB window
11
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Medical Recovery Services, LLC?

Medical Recovery Services, LLC has accumulated 40 total CFPB complaints across 7 states, with 11 filed in the most recent 12 months against 29 historical complaints before that window. The trailing-12-month volume represents 27.5% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened to sue you for very old debt". The company posts a 41% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 7 states, led by Idaho with 31 and New York with 2. Normalized against the full CFPB collector database, the reputation score of 49.4/100 places Medical Recovery Services, LLC in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

40

low-volume (CCDB)

Last 12 months

11

27.5% of all-time complaints

Stable →

States active

7

regional footprint

Timely response rate

41%

below sla band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

F

49.4/100 composite

How does Medical Recovery Services, LLC's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

49 Bottom 13% higher than 13% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Medical Recovery Services, LLC versus the debt-collection vertical average.

Timely response within SLA 40.5%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 0.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 12.5%

Share of US states + territories with at least one filed complaint against this collector.

How does Medical Recovery Services, LLC compare to its peers?

How does Medical Recovery Services, LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Medical Recovery Servi… National average
Complaints (last 12 mo)lower is better
11
0
268
Timely-response ratehigher is better
41%
75%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2020-04 2026-02

Issue Detail Breakdown

Issue Sub-Issue Complaints
Took or threatened to take negative or legal action - 16
Written notification about debt - 7
Attempts to collect debt not owed - 6
Threatened to contact someone or share information improperly - 3
False statements or representation - 2
Cont'd attempts collect debt not owed - 2
Taking/threatening an illegal action - 2
Disclosure verification of debt - 1
Improper contact or sharing of info - 1

Where do complaints against Medical Recovery Services, LLC come from?

Medical Recovery Services, LLC's own per-state count, not a national baseline.

Top states by complaints against Medical Recovery Services, LLC

Across 7 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Medical Recovery Services, LLC contacts you

A grade of F signals how Medical Recovery Services, LLC's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Medical Recovery Services, LLC and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Medical Recovery Services, LLC ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Medical Recovery Services, LLC? ▼

The most common issue consumers report about Medical Recovery Services, LLC is "Took or threatened to take negative or legal action", specifically "Threatened to sue you for very old debt". This is based on 40 complaints filed with the CFPB.

Are complaints against Medical Recovery Services, LLC increasing or decreasing? ▼

Complaints against Medical Recovery Services, LLC have been stable. The company received 11 complaints in the last 12 months.

What is Medical Recovery Services, LLC's reputation grade? ▼

Medical Recovery Services, LLC has a reputation grade of F (score: 49.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Medical Recovery Services, LLC respond to consumer complaints? ▼

Medical Recovery Services, LLC has a 41% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Medical Recovery Services, LLC operate? ▼

Medical Recovery Services, LLC has received CFPB complaints from consumers in 7 states, with the most complaints from Idaho (31 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.