Total CFPB complaints
11
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 11 complaints
Total Recovery Services, Inc — Debt Collector Complaint Profile
CFPB complaint profile across 2 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Total Recovery Services, Inc
- False statements or representation
False statements or representation
3 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
3 complaints
- Cont'd attempts collect debt not owed 1
Cont'd attempts collect debt not owed
1 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
- Improper contact or sharing of info 1
Improper contact or sharing of info
1 complaints
- Took or threatened to take negative or legal action 1
Took or threatened to take negative or legal action
1 complaints
C
Grade C · 59.5/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Total Recovery Services, Inc?
Total Recovery Services, Inc has accumulated 11 total CFPB complaints across 2 states, with 0 filed in the most recent 12 months against 11 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 91% timely-response rate against a 60% 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 2 states, led by Indiana with 9 and Ohio with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.5/100 places Total Recovery Services, Inc in grade band C, 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
Falling ↓
States active
2
Distinct state filings
Timely response rate
91%
Within CFPB SLA window
Consumer disputes
60%
After company response
Reputation grade
C
59.5/100 composite
Response-quality profile
How Total Recovery Services, Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 90.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 100.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 3.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Total Recovery Services, Inc compare to its peers?
Total Recovery Service… 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)
2014-09 2024-04
Top Consumer Issues
False statements or representation3 (%)
Attempts to collect debt not owed3 (%)
Cont'd attempts collect debt not owed1 (%)
Disclosure verification of debt1 (%)
Improper contact or sharing of info1 (%)
Took or threatened to take negative or legal action1 (%)
Communication tactics1 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
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 |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 3 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Disclosure verification of debt | Not disclosed as an attempt to collect | 1 |
| Improper contact or sharing of info | Contacted me after I asked not to | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| Communication tactics | Called after sent written cease of comm | 1 |
Where do complaints against Total Recovery Services, Inc come from?
The states where consumers have filed the most CFPB complaints against Total Recovery Services, Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Total Recovery Services, Inc
Across 2 states with at least one filing
- Indiana
Indiana
9 complaints
- Ohio 2
Ohio
2 complaints
Frequently Asked Questions
What is the most common complaint against Total Recovery Services, Inc? ▼
The most common issue consumers report about Total Recovery Services, Inc is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 11 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 0 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 C (score: 59.5/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 (9 complaints).
What can I do if Total Recovery Services, 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 Total Recovery Services, 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 |