Total CFPB complaints
140
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 140 complaints
Recovery One, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 30 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Recovery One, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
60 complaints
- Cont'd attempts collect debt not owed 19
Cont'd attempts collect debt not owed
19 complaints
- False statements or representation 14
False statements or representation
14 complaints
- Written notification about debt 10
Written notification about debt
10 complaints
- Disclosure verification of debt 5
Disclosure verification of debt
5 complaints
- Communication tactics 5
Communication tactics
5 complaints
D
Grade D · 57.7/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Recovery One, LLC?
Recovery One, LLC has accumulated 140 total CFPB complaints across 30 states, with 16 filed in the most recent 12 months against 124 historical complaints before that window. The trailing-12-month volume represents 11.4% 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 28% 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 30 states, led by Ohio with 28 and Texas with 21, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.7/100 places Recovery One, LLC 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
16
11.4% of total history
Rising ↑
States active
30
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
28%
After company response
Reputation grade
D
57.7/100 composite
Response-quality profile
How Recovery One, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 55.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 53.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Recovery One, LLC compare to its peers?
Recovery One, LLC 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)
2022-04 2026-02
Top Consumer Issues
Attempts to collect debt not owed60 (%)
Cont'd attempts collect debt not owed19 (%)
False statements or representation14 (%)
Written notification about debt10 (%)
Disclosure verification of debt5 (%)
Communication tactics5 (%)
Took or threatened to take negative or legal action4 (%)
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 | 43 |
| Cont'd attempts collect debt not owed | Debt is not mine | 16 |
| False statements or representation | Attempted to collect wrong amount | 14 |
| Attempts to collect debt not owed | Debt was result of identity theft | 10 |
| Written notification about debt | Didn't receive enough information to verify debt | 10 |
| Attempts to collect debt not owed | Debt was paid | 7 |
| Disclosure verification of debt | Not given enough info to verify debt | 5 |
| Communication tactics | Used obscene/profane/abusive language | 5 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 4 |
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 3 |
Where do complaints against Recovery One, LLC come from?
The states where consumers have filed the most CFPB complaints against Recovery One, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Recovery One, LLC
Across 30 states with at least one filing
- Ohio
Ohio
28 complaints
- Texas
Texas
21 complaints
- California
California
12 complaints
- Florida 11
Florida
11 complaints
- Georgia 8
Georgia
8 complaints
- Alabama 8
Alabama
8 complaints
- Michigan 6
Michigan
6 complaints
- Maryland 4
Maryland
4 complaints
Frequently Asked Questions
What is the most common complaint against Recovery One, LLC? ▼
The most common issue consumers report about Recovery One, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 140 complaints filed with the CFPB.
Are complaints against Recovery One, LLC increasing or decreasing? ▼
Complaints against Recovery One, LLC are rising. The company received 16 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Recovery One, LLC's reputation grade? ▼
Recovery One, LLC has a reputation grade of D (score: 57.7/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Recovery One, LLC respond to consumer complaints? ▼
Recovery One, LLC has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 28% of cases.
In how many states does Recovery One, LLC operate? ▼
Recovery One, LLC has received CFPB complaints from consumers in 30 states, with the most complaints from Ohio (28 complaints).
What can I do if Recovery One, LLC 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 Recovery One, LLC 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 |