What is the most common complaint against Total Recovery Services, Inc?

The most common issue consumers report about Total Recovery Services, Inc is "Attempts to collect debt not owed", specifically "Attempted to collect wrong amount". This is based on 12 complaints filed with the CFPB.

Are complaints against Total Recovery Services, Inc increasing or decreasing?

Complaints against Total Recovery Services, Inc are falling. The company received 1 complaints in the last 12 months, showing improvement over prior periods.

What is Total Recovery Services, Inc's reputation grade?

Total Recovery Services, Inc has a reputation grade of D (score: 54.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Total Recovery Services, Inc respond to consumer complaints?

Total Recovery Services, Inc has a 91% timely response rate to CFPB complaints. Consumers disputed the company's response in 60% of cases.

In how many states does Total Recovery Services, Inc operate?

Total Recovery Services, Inc has received CFPB complaints from consumers in 2 states, with the most complaints from Indiana (10 complaints).

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

Total Recovery Services, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

3
False statements or representation

3
Took or threatened to take negative or legal action

2
Communication tactics

1
Cont'd attempts collect debt not owed

1
Disclosure verification of debt

1

Data updated September 2026

CFPB complaint disposition

CCDB record total-recovery-services-inc Total Recovery Services, Inc

Grade D · 12 CFPB filings · 91% timely · lead issue: Attempts to collect debt not owed · vol #2360 · compose #3396

VOL 12
GRADE D
12MO 1
STATES 2
TIMELY 91%
DISPUTE 60%
ISSUE Attempts to collect debt n…
RANK #2,360
COMPOSE #3,396

Volume peers

Nearest volume peer: 1803 Capital, LLC (12 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Total Recovery Services, Inc's 12 CFPB complaints sit next to 1803 Capital, 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 →

State-heavy filing map

83.3% of Total Recovery Services, Inc's CFPB filings land in Indiana

High volume does not equal a clean composite: Total Recovery Services, Inc is volume #2,360 but composite #3,396, while Indiana dominates the geography. Corpus placement method.

Dominant state: Indiana 83.3%; 10 of 12 filings · 2 states touched
Spike month: 2023-03 40.0%; 2 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #2,360 volume; #3,396 composite; Cleanest-composite ladder is 1,036 places worse than volume

How does Total Recovery Services, Inc compare to its peers?

How does Total Recovery Services, 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

Total Recovery Service… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

91%

92%

91%

Consumer-dispute ratelower is better

60%

27%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-01 2025-09

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	3
False statements or representation	3
Took or threatened to take negative or legal action	2
Communication tactics	1
Cont'd attempts collect debt not owed	1
Disclosure verification of debt	1
Improper contact or sharing of info	1

Where do complaints against Total Recovery Services, Inc come from?

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

Indiana

10
Ohio

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Total Recovery Services, 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: 12.

4 peers

Know your rights before responding to Total Recovery Services, 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.