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

CFPB complaint data Grade F 7 complaints

SMS Check Recovery LLC - Debt Collector Complaint Profile

CFPB complaint profile across 4 states, reputation grade F.

Complaints by issue type

What consumers report about SMS Check Recovery LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 46.1/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

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

The verdict

A reputation grade of F: SMS Check Recovery LLC ranks ahead of 9% of the 5,283 collectors PlainCollector grades - 91% keep a cleaner CFPB record, on 7 all-time complaints and a 0% timely-response rate.

9th pct
reputation rank of 5,283 graded collectors
7
CFPB complaints, all-time
0%
answered inside the CFPB window
0
in the last 12 months (falling)

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 SMS Check Recovery LLC?

SMS Check Recovery LLC has accumulated 7 total CFPB complaints across 4 states, with 0 filed in the most recent 12 months against 7 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened arrest/jail if do not pay". The company posts a 0% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 4 states, led by Ohio with 4 and California with 1. Normalized against the full CFPB collector database, the reputation score of 46.1/100 places SMS Check Recovery LLC in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

7

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

4

limited footprint

Timely response rate

0%

below sla band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

F

46.1/100 composite

How does SMS Check Recovery LLC's reputation rank nationally?

Reputation score vs. every graded collector

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

46 Bottom 9% higher than 9% 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%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 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

SMS Check Recovery LLC versus the debt-collection vertical average.

Timely response within SLA 0.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 0.0%
Vertical avg

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

State coverage breadth 7.1%

Share of US states + territories with at least one filed complaint against this collector.

How does SMS Check Recovery LLC compare to its peers?

How does SMS Check Recovery LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
SMS Check Recovery LLC National average
Complaints (last 12 mo)lower is better
0
0
268
Timely-response ratehigher is better
0%
71%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2018-11 2025-12

Issue Detail Breakdown

Issue Sub-Issue Complaints
Took or threatened to take negative or legal action - 2
Communication tactics - 2
Taking/threatening an illegal action - 2
False statements or representation - 1

Where do complaints against SMS Check Recovery LLC come from?

SMS Check Recovery LLC's own per-state count, not a national baseline.

Top states by complaints against SMS Check Recovery LLC

Across 4 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if SMS Check Recovery LLC contacts you

A grade of F signals how SMS Check Recovery LLC'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 SMS Check Recovery LLC 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 SMS Check Recovery LLC 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 SMS Check Recovery LLC? ▼

The most common issue consumers report about SMS Check Recovery LLC is "Took or threatened to take negative or legal action", specifically "Threatened arrest/jail if do not pay". This is based on 7 complaints filed with the CFPB.

Are complaints against SMS Check Recovery LLC increasing or decreasing? ▼

Complaints against SMS Check Recovery LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is SMS Check Recovery LLC's reputation grade? ▼

SMS Check Recovery LLC has a reputation grade of F (score: 46.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does SMS Check Recovery LLC respond to consumer complaints? ▼

SMS Check Recovery LLC has a 0% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does SMS Check Recovery LLC operate? ▼

SMS Check Recovery LLC has received CFPB complaints from consumers in 4 states, with the most complaints from Ohio (4 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.