CFPB Consumer Complaint Profile
Capital Recovery Systems, Inc.
The CFPB complaints on file trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 30
- Total complaints
- Mid-range
- 1
- Last 12 months
- 66.7%
- Timely response
- Bottom decile
- 10
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Capital Recovery Systems, Inc. sits at #2333. Its on-time response record is at the 5th percentile among companies with 100+ complaints.
- Debt collection
- most-complained product
- OH
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Capital Recovery Systems, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
66.7% Among the lowest higher than 5% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 3 |
| 2015 | 3 |
| 2016 | 3 |
| 2018 | 2 |
| 2019 | 3 |
| 2020 | 3 |
| 2022 | 5 |
| 2023 | 3 |
| 2024 | 3 |
| 2025 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Capital Recovery Systems, Inc.
Capital Recovery Systems, Inc. draws a geographically concentrated spread of CFPB complaints, filed by consumers in many parts of the country. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.
The timely-response measure counts forwarded complaints answered inside the Bureau's 15-day window. This company's rate is far under the 95% benchmark, a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Capital Recovery Systems, Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (11.1% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Capital Recovery Systems, Inc. have?
The CFPB has logged 30 complaints against Capital Recovery Systems, Inc. to date, of which 1 came in over the last 12 months.
Does Capital Recovery Systems, Inc. respond to complaints on time?
CFPB complaints against Capital Recovery Systems, Inc. draw a 66.7% timely-response rate inside the expected window. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Capital Recovery Systems, Inc.?
"Debt collection" draws more CFPB complaints against Capital Recovery Systems, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Capital Recovery Systems, Inc.?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Capital Recovery Systems, Inc. - see all issues and counts above.
How do I file a complaint against Capital Recovery Systems, Inc.?
You can file a complaint against Capital Recovery Systems, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Capital Recovery Systems, Inc.?
The CFPB has recorded complaints against Capital Recovery Systems, Inc. from 10 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.