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

The most common issue consumers report about Stellar Recovery, Inc. is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 1,162 complaints filed with the CFPB.

Are complaints against Stellar Recovery, Inc. increasing or decreasing?

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

What is Stellar Recovery, Inc.'s reputation grade?

Stellar Recovery, Inc. has a reputation grade of D (score: 52.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Stellar Recovery, Inc. respond to consumer complaints?

Stellar Recovery, 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 Stellar Recovery, Inc. operate?

Stellar Recovery, Inc. has received CFPB complaints from consumers in 52 states, with the most complaints from California (148 complaints).

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

Stellar Recovery, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 52 states, reputation grade D.

Compiled by PlainCollector

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

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 #3760

VOL 1,162
GRADE D
12MO 0
STATES 52
TIMELY 99%
DISPUTE 19%
ISSUE Cont'd attempts collect de…
RANK #137
COMPOSE #3,760

Volume peers

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

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 →

Distributed filing map

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

Despite a broad state map, Stellar Recovery, Inc. still sits volume #137 against composite #3,760 - the two RankMaps diverge by 3,623 places. 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
Divergent corpus ranks: #137 volume; #3,760 composite; Cleanest-composite ladder is 3,623 places worse than volume

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

268

Timely-response ratehigher is better

99%

71%

91%

Consumer-dispute ratelower is better

19%

34%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

California

148
Florida

108
Texas

91
Georgia

80
Arizona

59
Michigan

54
Illinois

53
Colorado

46

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.