Total CFPB complaints
1,162
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 1,162 complaints
Stellar Recovery, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 52 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Stellar Recovery, Inc.
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
595 complaints
- Disclosure verification of debt 210
Disclosure verification of debt
210 complaints
- Attempts to collect debt not owed 67
Attempts to collect debt not owed
67 complaints
- Communication tactics 63
Communication tactics
63 complaints
- False statements or representation 51
False statements or representation
51 complaints
- Written notification about debt 30
Written notification about debt
30 complaints
D
Grade D · 56.0/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Stellar Recovery, Inc.?
Stellar Recovery, Inc. has accumulated 1,162 total CFPB complaints across 52 states, with 0 filed in the most recent 12 months against 1,162 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 19% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 52 states, led by California with 148 and Florida with 108, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.0/100 places Stellar Recovery, Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
52
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
19%
After company response
Reputation grade
D
56.0/100 composite
Response-quality profile
How Stellar Recovery, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.5%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 38.2%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 92.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Stellar Recovery, Inc. compare to its peers?
Stellar Recovery, Inc. National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2016-03 2018-05
Top Consumer Issues
Cont'd attempts collect debt not owed595 (%)
Disclosure verification of debt210 (%)
Communication tactics63 (%)
False statements or representation51 (%)
Attempts to collect debt not owed67 (%)
Written notification about debt30 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 393 |
| Cont'd attempts collect debt not owed | Debt was paid | 131 |
| Disclosure verification of debt | Not given enough info to verify debt | 115 |
| Disclosure verification of debt | Right to dispute notice not received | 95 |
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 71 |
| Communication tactics | Frequent or repeated calls | 63 |
| False statements or representation | Attempted to collect wrong amount | 51 |
| Attempts to collect debt not owed | Debt is not yours | 36 |
| Attempts to collect debt not owed | Debt was paid | 31 |
| Written notification about debt | Didn't receive enough information to verify debt | 30 |
Where do complaints against Stellar Recovery, Inc. come from?
The states where consumers have filed the most CFPB complaints against Stellar Recovery, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Stellar Recovery, Inc.
Across 52 states with at least one filing
- California
California
148 complaints
- Florida
Florida
108 complaints
- Texas
Texas
91 complaints
- Georgia
Georgia
80 complaints
- Arizona 59
Arizona
59 complaints
- Michigan 54
Michigan
54 complaints
- Illinois 53
Illinois
53 complaints
- Colorado 46
Colorado
46 complaints
Frequently Asked Questions
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. have been stable. The company received 0 complaints in the last 12 months.
What is Stellar Recovery, Inc.'s reputation grade? ▼
Stellar Recovery, Inc. has a reputation grade of D (score: 56.0/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if Stellar Recovery, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Stellar Recovery, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |