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

CFPB complaint data Grade D 1,162 complaints

Stellar Recovery, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 52 states, reputation grade D.

Complaints by issue type

What consumers report about Stellar Recovery, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record stellar-recovery-inc Stellar Recovery, Inc.

Grade D · 1,162 CFPB filings · 99% timely · lead issue: Cont'd attempts collect debt not owed · vol #137 · compose #277

  • VOL 1,162
  • GRADE D
  • 12MO 0
  • STATES 52
  • TIMELY 99%
  • DISPUTE 19%
  • ISSUE Cont'd attempts collect de…
  • RANK #137
  • COMPOSE #277

Volume peers

Nearest volume peer: Capital Accounts, LLC (1,152 complaints)

Conn's, Inc.Conn's, Inc.1,146CLGF Holdco 1, LLCCLGF Holdco 1, LLC1,147Capital Accounts, LLCCapital Accounts, LLC1,152Stellar Recovery, Inc. (this)Stellar Recovery, Inc. (this)1,162FirstPoint Collection ResourcesFirstPoint Collection Resour…1,173
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Stellar Recovery, Inc.'s 1,162 CFPB complaints sit next to Capital Accounts, 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 →

How the 1,162 complaints break down

Every complaint issue type on record for Stellar Recovery, Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
52.8/100
Stellar Recovery, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
1,162
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
19%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

Stellar Recovery, Inc. spreads filings across 52 states - California leads at only 12.7%

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Most-even geography
Lead state under 15%
California still leads at 12.7% across 52 states
Seasonal peak
2026-01 9.5%
8–15% band · 60 filings
Corpus ranks
#137 volume
#277 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Stellar Recovery, Inc. compare to its peers?

How does Stellar 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
Stellar Recovery, Inc. National average
Complaints (last 12 mo)lower is better
0
28
268
Timely-response ratehigher is better
99%
71%
91%
Consumer-dispute ratelower is better
19%
34%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Stellar Recovery, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 8 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 60%70%80%90%100%110% 10%15%20%25%30%35%40% Timely response rate (%) Dispute rate (%) Stellar Recovery, Inc. vs. 7 similar-volume peers, by response speed and dispute rate Stellar Recovery, Inc.Capital Accounts, LLCFirstPoint Collection ResourcesConn's, Inc.General Motors Financial Company, Inc.TENET HEALTHCARE CORPORATIONOcwen Financial CorporationR & B Corporation of Virginia
Source: CFPB Consumer Complaint Database

Stellar Recovery, Inc.'s complaint volume in context

Stellar Recovery, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

1,162 Top 3% higher than 97% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Stellar Recovery, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Cont'd attempts collect debt not owed
607
Disclosure verification of debt
222
Communication tactics
91
Attempts to collect debt not owed
84
False statements or representation
59
Written notification about debt
54
Improper contact or sharing of info
34
Taking/threatening an illegal action
7
Took or threatened to take negative or legal action
3
Threatened to contact someone or share information improperly
1

Where do complaints against Stellar Recovery, Inc. come from?

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

Top states by complaints against Stellar Recovery, Inc.

Across 52 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Stellar 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: 1,162.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.48364888123923%.

4 peers

Know your rights before responding to Stellar 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.