What is the most common complaint against S & S Recovery, Inc.?

The most common issue consumers report about S & S Recovery, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 116 complaints filed with the CFPB.

Are complaints against S & S Recovery, Inc. increasing or decreasing?

Complaints against S & S Recovery, Inc. are rising. The company received 64 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is S & S Recovery, Inc.'s reputation grade?

S & S Recovery, Inc. has a reputation grade of D (score: 54.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does S & S Recovery, Inc. respond to consumer complaints?

S & S Recovery, Inc. has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 33% of cases.

In how many states does S & S Recovery, Inc. operate?

S & S Recovery, Inc. has received CFPB complaints from consumers in 13 states, with the most complaints from Texas (74 complaints).

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

S & S Recovery, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 13 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

36
Took or threatened to take negative or legal action

31
Written notification about debt

16
False statements or representation

13
Communication tactics

10
Disclosure verification of debt

3

Data updated September 2026

CFPB complaint disposition

CCDB record s-s-recovery-inc S & S Recovery, Inc.

Grade D · 116 CFPB filings · 98% timely · lead issue: Attempts to collect debt not owed · vol #765 · compose #3555

VOL 116
GRADE D
12MO 64
STATES 13
TIMELY 98%
DISPUTE 33%
ISSUE Attempts to collect debt n…
RANK #765
COMPOSE #3,555

Volume peers

Nearest volume peer: Arcon Credit Solutions LLC (116 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

S & S Recovery, Inc.'s 116 CFPB complaints sit next to Arcon Credit Solutions LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

63.8% of S & S Recovery, Inc.'s CFPB filings land in Texas

High volume does not equal a clean composite: S & S Recovery, Inc. is volume #765 but composite #3,555, while Texas dominates the geography. Corpus placement method.

Dominant state: Texas 63.8%; 74 of 116 filings · 13 states touched
Seasonal peak: 2025-06 13.6%; 8–15% band · 6 filings
Divergent corpus ranks: #765 volume; #3,555 composite; Cleanest-composite ladder is 2,790 places worse than volume

How does S & S Recovery, Inc. compare to its peers?

How does S & S Recovery, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

S & S Recovery, Inc. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

98%

93%

91%

Consumer-dispute ratelower is better

33%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-03 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	36
Took or threatened to take negative or legal action	31
Written notification about debt	16
False statements or representation	13
Communication tactics	10
Disclosure verification of debt	3
Threatened to contact someone or share information improperly	3
Cont'd attempts collect debt not owed	2
Electronic communications	2

Where do complaints against S & S Recovery, Inc. come from?

S & S Recovery, Inc.'s own per-state count, not a national baseline.

Texas

74
Mississippi

18
Louisiana

6
Missouri

4
Georgia

3
Arizona

2
California

2
Tennessee

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for S & S Recovery, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 116.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 97.84946236559139%.

4 peers

Know your rights before responding to S & S Recovery, Inc.: FDCPA rights guide · debt validation letter · rights library.

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

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

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.