Integrated Recovery Services
Sourced from the CFPB Consumer Complaint Database.
Debt Collector, CFPB Complaint Profile Specializes in: Payday loan
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 |
|---|---|
| 2014 | 17 |
| 2015 | 54 |
| 2016 | 66 |
| 2017 | 46 |
| 2018 | 16 |
| 2019 | 4 |
| 2020 | 2 |
| 2021 | 1 |
| 2022 | 3 |
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 Integrated Recovery Services
195 debt-collection complaints against Integrated Recovery Services appear in the CFPB record - 93.3% of the 209 complaints filed about this entity. The 43 states and territories represented make this a nationwide operation by complaint volume. The most common debt type behind these complaints is "Payday loan," which is the category consumers most often describe when they file a CFPB report about this collector. The single most-cited specific issue is "Communication tactics" - a useful starting point for understanding where the friction between this collector and consumers most frequently occurs.
29.2% of CFPB-forwarded complaints against this company get a reply inside the Bureau's 15-day window. That is far under the 95% benchmark, a material red flag since late or missing responses are strongly linked to CFPB supervisory action against collectors. Of resolved cases, 0.5% 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. The response was formally disputed in 11.4% of resolved cases, indicating how frequently the initial fix fell short.
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 Integrated Recovery Services have?
Integrated Recovery Services has 195 debt collection complaints filed with the CFPB, representing 93.3% of all complaints against this company.
Does Integrated Recovery Services respond to complaints on time?
Integrated Recovery Services's CFPB timely-response rate is 29.2%. That falls well short of the 95% benchmark most collectors clear.
Does Integrated Recovery Services provide relief to consumers?
Integrated Recovery Services closed 0.5% of resolved complaints with some form of consumer relief, monetary or non-monetary.
What type of debt does Integrated Recovery Services primarily collect?
Integrated Recovery Services primarily collects "Payday loan" based on CFPB complaint data. The full breakdown of debt types is shown above.
What rights do I have against Integrated Recovery Services?
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 Integrated Recovery Services active?
CFPB data shows consumer complaints against Integrated Recovery Services from 43 states and territories.
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.