Financial Recovery Services, Inc.
Open-data reference.
Debt Collector, CFPB Complaint Profile Specializes in: Credit card debt
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 7 |
| 2014 | 24 |
| 2015 | 20 |
| 2016 | 7 |
| 2017 | 18 |
| 2018 | 25 |
| 2019 | 33 |
| 2020 | 26 |
| 2021 | 28 |
| 2022 | 39 |
| 2023 | 43 |
| 2024 | 52 |
| 2025 | 75 |
| 2026 | 12 |
Complaints by State (Top 15)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for Financial Recovery Services, Inc.
The CFPB has logged 370 debt-collection complaints against Financial Recovery Services, Inc., 90.5% of the 409 complaints filed against this entity overall. Consumers in 42 states and territories have filed reports, putting this collection operation in nationwide territory by complaint volume. "Credit card debt" is the debt type named most often in complaints against this collector, the category consumers reach for most when filing a CFPB report. The single most-cited specific issue is "Attempts to collect debt not owed" - a useful starting point for understanding where the friction between this collector and consumers most frequently occurs.
99.3% of CFPB-forwarded complaints against this company get a reply inside the Bureau's 15-day window. That figure meets the industry benchmark and indicates an intake process that is functioning on schedule. Of resolved cases, 1.2% closed with monetary or non-monetary relief to the consumer, which is a notably low relief ratio and worth weighing against the disputed-response percentage. Consumers formally disputed the company's response in 12.5% of resolved cases, signalling how often the initial resolution failed to satisfy the complainant.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does Financial Recovery Services, Inc. have?
The CFPB has logged 370 debt-collection complaints against Financial Recovery Services, Inc., 90.5% of all complaints filed against this company.
Does Financial Recovery Services, Inc. respond to complaints on time?
99.3% of the CFPB complaints against Financial Recovery Services, Inc. get a response within the expected window. That is a strong response record by CFPB standards.
Does Financial Recovery Services, Inc. provide relief to consumers?
1.2% of resolved complaints against Financial Recovery Services, Inc. were closed with some form of consumer relief (monetary or non-monetary).
What type of debt does Financial Recovery Services, Inc. primarily collect?
Financial Recovery Services, Inc. primarily collects "Credit card debt" based on CFPB complaint data. The full breakdown of debt types is shown above.
What rights do I have against Financial Recovery Services, Inc.?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is Financial Recovery Services, Inc. active?
Financial Recovery Services, Inc. has received consumer complaints from 42 states and territories, based on CFPB data.
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.