What is the most common complaint against Monarch Recovery Holdings, Inc.?

The most common issue consumers report about Monarch Recovery Holdings, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 556 complaints filed with the CFPB.

Are complaints against Monarch Recovery Holdings, Inc. increasing or decreasing?

Complaints against Monarch Recovery Holdings, Inc. have been stable. The company received 138 complaints in the last 12 months.

What is Monarch Recovery Holdings, Inc.'s reputation grade?

Monarch Recovery Holdings, Inc. has a reputation grade of D (score: 54.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Monarch Recovery Holdings, Inc. respond to consumer complaints?

Monarch Recovery Holdings, Inc. has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 16% of cases.

In how many states does Monarch Recovery Holdings, Inc. operate?

Monarch Recovery Holdings, Inc. has received CFPB complaints from consumers in 45 states, with the most complaints from New York (86 complaints).

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

Monarch Recovery Holdings, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 45 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

189
Written notification about debt

83
Communication tactics

80
False statements or representation

62
Cont'd attempts collect debt not owed

61
Took or threatened to take negative or legal action

26

Data updated September 2026

CFPB complaint disposition

CCDB record monarch-recovery-holdings-inc Monarch Recovery Holdings, Inc.

Grade D · 556 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed · vol #252 · compose #3389

VOL 556
GRADE D
12MO 138
STATES 45
TIMELY 99%
DISPUTE 16%
ISSUE Attempts to collect debt n…
RANK #252
COMPOSE #3,389

Volume peers

Nearest volume peer: EdFinancial Services (556 complaints)

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

Monarch Recovery Holdings, Inc.'s 556 CFPB complaints sit next to EdFinancial Services 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 →

Steady monthly series

New York is the plurality state for Monarch Recovery Holdings, Inc. (15.5%)

Volume rank #252 and composite rank #3,389 diverge by 3,137 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: New York 15.5%; Mid-band (15–30%) · 45 states with ≥1 filing
Even monthly load: Peak under 8%; Highest month 2025-07 at 7.5% (126 filings)
Divergent corpus ranks: #252 volume; #3,389 composite; Cleanest-composite ladder is 3,137 places worse than volume

How does Monarch Recovery Holdings, Inc. compare to its peers?

How does Monarch Recovery Holdings, 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

Monarch Recovery Holdi… National average

Complaints (last 12 mo)lower is better

138

134

268

Timely-response ratehigher is better

99%

98%

91%

Consumer-dispute ratelower is better

16%

30%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	189
Written notification about debt	83
Communication tactics	80
False statements or representation	62
Cont'd attempts collect debt not owed	61
Took or threatened to take negative or legal action	26
Improper contact or sharing of info	17
Threatened to contact someone or share information improperly	14
Disclosure verification of debt	13
Electronic communications	9

Where do complaints against Monarch Recovery Holdings, Inc. come from?

Monarch Recovery Holdings, Inc.'s own per-state count, not a national baseline.

New York

86
California

54
Massachusetts

50
Georgia

40
Texas

36
Florida

35
New Jersey

29
Ohio

20

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Monarch Recovery Holdings, 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: 556.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.85057471264368%.

4 peers

Know your rights before responding to Monarch Recovery Holdings, 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.