Total CFPB complaints
167
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 167 complaints
RMS-Recovery Management Services, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 32 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about RMS-Recovery Management Services, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
36 complaints
- Communication tactics
Communication tactics
27 complaints
- Written notification about debt
Written notification about debt
26 complaints
- False statements or representation
False statements or representation
15 complaints
- Took or threatened to take negative or legal action 14
Took or threatened to take negative or legal action
14 complaints
- Disclosure verification of debt 8
Disclosure verification of debt
8 complaints
C
Grade C · 59.4/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about RMS-Recovery Management Services, Inc.?
RMS-Recovery Management Services, Inc. has accumulated 167 total CFPB complaints across 32 states, with 28 filed in the most recent 12 months against 139 historical complaints before that window. The trailing-12-month volume represents 16.8% 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 19% 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 32 states, led by New York with 22 and Arizona with 16, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.4/100 places RMS-Recovery Management Services, Inc. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
28
16.8% of total history
Rising ↑
States active
32
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
19%
After company response
Reputation grade
C
59.4/100 composite
Response-quality profile
How RMS-Recovery Management Services, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.4%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 38.9%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 57.1%
Share of US states + territories with at least one filed complaint against this collector.
How does RMS-Recovery Management Services, Inc. compare to its peers?
RMS-Recovery Managemen… 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)
2024-03 2026-03
Top Consumer Issues
Attempts to collect debt not owed36 (%)
Written notification about debt26 (%)
False statements or representation15 (%)
Communication tactics27 (%)
Took or threatened to take negative or legal action14 (%)
Disclosure verification of debt8 (%)
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 | 20 |
| Written notification about debt | Didn't receive enough information to verify debt | 16 |
| False statements or representation | Attempted to collect wrong amount | 15 |
| Communication tactics | Frequent or repeated calls | 15 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 14 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 12 |
| Written notification about debt | Didn't receive notice of right to dispute | 10 |
| Disclosure verification of debt | Not given enough info to verify debt | 8 |
| Attempts to collect debt not owed | Debt was result of identity theft | 8 |
| Attempts to collect debt not owed | Debt was paid | 8 |
Where do complaints against RMS-Recovery Management Services, Inc. come from?
The states where consumers have filed the most CFPB complaints against RMS-Recovery Management Services, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against RMS-Recovery Management Services, Inc.
Across 32 states with at least one filing
- New York
New York
22 complaints
- Arizona
Arizona
16 complaints
- Illinois
Illinois
13 complaints
- Michigan
Michigan
12 complaints
- Florida
Florida
12 complaints
- Texas
Texas
11 complaints
- California 8
California
8 complaints
- Georgia 6
Georgia
6 complaints
Frequently Asked Questions
What is the most common complaint against RMS-Recovery Management Services, Inc.? ▼
The most common issue consumers report about RMS-Recovery Management Services, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 167 complaints filed with the CFPB.
Are complaints against RMS-Recovery Management Services, Inc. increasing or decreasing? ▼
Complaints against RMS-Recovery Management Services, Inc. are rising. The company received 28 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is RMS-Recovery Management Services, Inc.'s reputation grade? ▼
RMS-Recovery Management Services, Inc. has a reputation grade of C (score: 59.4/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does RMS-Recovery Management Services, Inc. respond to consumer complaints? ▼
RMS-Recovery Management Services, Inc. has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 19% of cases.
In how many states does RMS-Recovery Management Services, Inc. operate? ▼
RMS-Recovery Management Services, Inc. has received CFPB complaints from consumers in 32 states, with the most complaints from New York (22 complaints).
What can I do if RMS-Recovery Management Services, 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 RMS-Recovery Management Services, 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 |