Total CFPB complaints
522
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 522 complaints
Monarch Recovery Holdings, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 45 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Monarch Recovery Holdings, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
168 complaints
- Written notification about debt
Written notification about debt
72 complaints
- Communication tactics 60
Communication tactics
60 complaints
- False statements or representation 53
False statements or representation
53 complaints
- Cont'd attempts collect debt not owed 38
Cont'd attempts collect debt not owed
38 complaints
- Took or threatened to take negative or legal action 20
Took or threatened to take negative or legal action
20 complaints
D
Grade D · 57.4/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Monarch Recovery Holdings, Inc.?
Monarch Recovery Holdings, Inc. has accumulated 522 total CFPB complaints across 45 states, with 138 filed in the most recent 12 months against 384 historical complaints before that window. The trailing-12-month volume represents 26.4% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
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 99% timely-response rate against a 16% 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 45 states, led by New York with 76 and California with 50, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.4/100 places Monarch Recovery Holdings, Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
138
26.4% of total history
Rising ↑
States active
45
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
16%
After company response
Reputation grade
D
57.4/100 composite
Response-quality profile
How Monarch Recovery Holdings, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 32.2%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 80.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Monarch Recovery Holdings, Inc. compare to its peers?
Monarch Recovery Holdi… 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed168 (%)
False statements or representation53 (%)
Written notification about debt72 (%)
Communication tactics60 (%)
Cont'd attempts collect debt not owed38 (%)
Took or threatened to take negative or legal action20 (%)
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 | 116 |
| False statements or representation | Attempted to collect wrong amount | 53 |
| Written notification about debt | Didn't receive enough information to verify debt | 53 |
| Communication tactics | Frequent or repeated calls | 44 |
| Cont'd attempts collect debt not owed | Debt is not mine | 38 |
| Attempts to collect debt not owed | Debt was result of identity theft | 36 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 20 |
| Written notification about debt | Didn't receive notice of right to dispute | 19 |
| Attempts to collect debt not owed | Debt was paid | 16 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 16 |
Where do complaints against Monarch Recovery Holdings, Inc. come from?
The states where consumers have filed the most CFPB complaints against Monarch Recovery Holdings, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Monarch Recovery Holdings, Inc.
Across 45 states with at least one filing
- New York
New York
76 complaints
- California
California
50 complaints
- Massachusetts
Massachusetts
47 complaints
- Georgia
Georgia
39 complaints
- Florida
Florida
33 complaints
- Texas
Texas
32 complaints
- New Jersey 27
New Jersey
27 complaints
- Ohio 19
Ohio
19 complaints
Frequently Asked Questions
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 522 complaints filed with the CFPB.
Are complaints against Monarch Recovery Holdings, Inc. increasing or decreasing? ▼
Complaints against Monarch Recovery Holdings, Inc. are rising. The company received 138 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Monarch Recovery Holdings, Inc.'s reputation grade? ▼
Monarch Recovery Holdings, Inc. has a reputation grade of D (score: 57.4/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (76 complaints).
What can I do if Monarch Recovery Holdings, 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 Monarch Recovery Holdings, 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 |