Total CFPB complaints
25
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 25 complaints
M&S Recovery Solutions — Debt Collector Complaint Profile
CFPB complaint profile across 18 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about M&S Recovery Solutions
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
9 complaints
- Improper contact or sharing of info
Improper contact or sharing of info
5 complaints
- Communication tactics
Communication tactics
5 complaints
- Taking/threatening an illegal action
Taking/threatening an illegal action
4 complaints
B
Grade B · 67.5/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about M&S Recovery Solutions?
M&S Recovery Solutions has accumulated 25 total CFPB complaints across 18 states, with 0 filed in the most recent 12 months against 25 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 92% timely-response rate against a 8% 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 18 states, led by Texas with 3 and Wisconsin with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 67.5/100 places M&S Recovery Solutions in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
18
Distinct state filings
Timely response rate
92%
Within CFPB SLA window
Consumer disputes
8%
After company response
Reputation grade
B
67.5/100 composite
Response-quality profile
How M&S Recovery Solutions performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 92.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 16.7%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 32.1%
Share of US states + territories with at least one filed complaint against this collector.
How does M&S Recovery Solutions compare to its peers?
M&S Recovery Solutions 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)
2014-10 2022-11
Top Consumer Issues
Cont'd attempts collect debt not owed9 (%)
Improper contact or sharing of info5 (%)
Communication tactics5 (%)
Taking/threatening an illegal action4 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 7 |
| Improper contact or sharing of info | Talked to a third party about my debt | 3 |
| Communication tactics | Frequent or repeated calls | 3 |
| Communication tactics | Threatened to take legal action | 2 |
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 2 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 2 |
| Improper contact or sharing of info | Contacted employer after asked not to | 1 |
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 1 |
| Taking/threatening an illegal action | Sued where didn't live/sign for debt | 1 |
| Improper contact or sharing of info | Contacted me after I asked not to | 1 |
Where do complaints against M&S Recovery Solutions come from?
The states where consumers have filed the most CFPB complaints against M&S Recovery Solutions. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against M&S Recovery Solutions
Across 18 states with at least one filing
- Texas
Texas
3 complaints
- Wisconsin
Wisconsin
2 complaints
- Virginia
Virginia
2 complaints
- Michigan
Michigan
2 complaints
- North Carolina
North Carolina
2 complaints
- New Jersey
New Jersey
2 complaints
- Florida 1
Florida
1 complaints
- Massachusetts 1
Massachusetts
1 complaints
Frequently Asked Questions
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 have been stable. The company received 0 complaints in the last 12 months.
What is M&S Recovery Solutions's reputation grade? ▼
M&S Recovery Solutions has a reputation grade of B (score: 67.5/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
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 Texas (3 complaints).
What can I do if M&S Recovery Solutions 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 M&S Recovery Solutions 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 |