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

CFPB complaint data Grade F 466 complaints

The Phoenix Recovery Group - Debt Collector Complaint Profile

CFPB complaint profile across 29 states, reputation grade F.

Complaints by issue type

What consumers report about The Phoenix Recovery Group

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 46.0/100 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: The Phoenix Recovery Group ranks ahead of 9% of the 5,283 collectors PlainCollector grades - 91% keep a cleaner CFPB record, on 466 all-time complaints and a 70% timely-response rate.

9th pct
reputation rank of 5,283 graded collectors
466
CFPB complaints, all-time
70%
answered inside the CFPB window
122
in the last 12 months (stable)

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 The Phoenix Recovery Group?

The Phoenix Recovery Group has accumulated 466 total CFPB complaints across 29 states, with 122 filed in the most recent 12 months against 344 historical complaints before that window. The trailing-12-month volume represents 26.2% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 70% timely-response rate against a 23% consumer-dispute-after-response rate.

Complaints have been recorded across 29 states, led by Texas with 360 and Florida with 16. Normalized against the full CFPB collector database, the reputation score of 46.0/100 places The Phoenix Recovery Group in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

466

mid-volume (CCDB)

Last 12 months

122

26.2% of all-time complaints

Stable →

States active

29

multi-region footprint

Timely response rate

70%

below sla band

Consumer disputes

23%

elevated (vertical avg ~19%)

Reputation grade

F

46.0/100 composite

How does The Phoenix Recovery Group'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

The Phoenix Recovery Group versus the debt-collection vertical average.

Timely response within SLA 70.3%
Vertical avg

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

Consumer dispute rate (post-response) 23.3%
Vertical avg

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

State coverage breadth 51.8%

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

How does The Phoenix Recovery Group compare to its peers?

How does The Phoenix Recovery Group compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
The Phoenix Recovery G… National average
Complaints (last 12 mo)lower is better
122
12
268
Timely-response ratehigher is better
70%
46%
91%
Consumer-dispute ratelower is better
23%
40%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2019-01 2026-01

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 179
False statements or representation - 76
Written notification about debt - 71
Took or threatened to take negative or legal action - 64
Communication tactics - 27
Disclosure verification of debt - 23
Cont'd attempts collect debt not owed - 17
Improper contact or sharing of info - 5
Threatened to contact someone or share information improperly - 2
Electronic communications - 2

Where do complaints against The Phoenix Recovery Group come from?

The Phoenix Recovery Group's own per-state count, not a national baseline.

Top states by complaints against The Phoenix Recovery Group

Across 29 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if The Phoenix Recovery Group contacts you

A grade of F signals how The Phoenix Recovery Group'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 The Phoenix Recovery Group 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 The Phoenix Recovery Group 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 The Phoenix Recovery Group? ▼

The most common issue consumers report about The Phoenix Recovery Group is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 466 complaints filed with the CFPB.

Are complaints against The Phoenix Recovery Group increasing or decreasing? ▼

Complaints against The Phoenix Recovery Group have been stable. The company received 122 complaints in the last 12 months.

What is The Phoenix Recovery Group's reputation grade? ▼

The Phoenix Recovery Group has a reputation grade of F (score: 46.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does The Phoenix Recovery Group respond to consumer complaints? ▼

The Phoenix Recovery Group has a 70% timely response rate to CFPB complaints. Consumers disputed the company's response in 23% of cases.

In how many states does The Phoenix Recovery Group operate? ▼

The Phoenix Recovery Group has received CFPB complaints from consumers in 29 states, with the most complaints from Texas (360 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.