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

CFPB complaint data Grade C 179 complaints

RMS-Recovery Management Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 33 states, reputation grade C.

Complaints by issue type

What consumers report about RMS-Recovery Management Services, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 59.4/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: RMS-Recovery Management Services, Inc. ranks ahead of 40% of the 5,283 collectors PlainCollector grades - 60% keep a cleaner CFPB record, on 179 all-time complaints and a 99% timely-response rate.

40th pct
reputation rank of 5,283 graded collectors
179
CFPB complaints, all-time
99%
answered inside the CFPB window
32
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about RMS-Recovery Management Services, Inc.?

RMS-Recovery Management Services, Inc. has accumulated 179 total CFPB complaints across 33 states, with 32 filed in the most recent 12 months against 147 historical complaints before that window. The trailing-12-month volume represents 17.9% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 99% timely-response rate against a 19% consumer-dispute-after-response rate.

Complaints have been recorded across 33 states, led by New York with 26 and Arizona with 16. Normalized against the full CFPB collector database, the reputation score of 59.4/100 places RMS-Recovery Management Services, Inc. in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

179

mid-volume (CCDB)

Last 12 months

32

17.9% of all-time complaints

Stable →

States active

33

multi-region footprint

Timely response rate

99%

excellent band

Consumer disputes

19%

average (vertical avg ~19%)

Reputation grade

C

59.4/100 composite

How does RMS-Recovery Management Services, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

59 40th percentile higher than 40% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

RMS-Recovery Management Services, Inc. versus the debt-collection vertical average.

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) 19.4%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 58.9%

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?

How does RMS-Recovery Management Services, Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
RMS-Recovery Managemen… National average
Complaints (last 12 mo)lower is better
32
45
268
Timely-response ratehigher is better
99%
91%
91%
Consumer-dispute ratelower is better
19%
17%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-11 2026-02

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 47
Communication tactics - 34
Written notification about debt - 27
False statements or representation - 20
Took or threatened to take negative or legal action - 16
Cont'd attempts collect debt not owed - 11
Disclosure verification of debt - 9
Threatened to contact someone or share information improperly - 7
Improper contact or sharing of info - 7
Electronic communications - 1

Where do complaints against RMS-Recovery Management Services, Inc. come from?

RMS-Recovery Management Services, Inc.'s own per-state count, not a national baseline.

Top states by complaints against RMS-Recovery Management Services, Inc.

Across 33 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if RMS-Recovery Management Services, Inc. contacts you

A grade of C signals how RMS-Recovery Management Services, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really RMS-Recovery Management Services, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how RMS-Recovery Management Services, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 179 complaints filed with the CFPB.

Are complaints against RMS-Recovery Management Services, Inc. increasing or decreasing? ▼

Complaints against RMS-Recovery Management Services, Inc. have been stable. The company received 32 complaints in the last 12 months.

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), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 33 states, with the most complaints from New York (26 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.