CFPB Consumer Complaint Profile
Capital Recovery Systems, Inc.
30 CFPB complaints 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, with 30 complaints logged. Its on-time response rate is 66.7%, the 5th percentile among companies with 100+ complaints.
- #2333
- of 3,843 companies by volume
- 66.7%
- on time (5th pctile)
- Debt collection
- most-complained product
- 10
- states with complaints
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
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
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. carries 30 complaints in the CFPB's database, 1 of them filed within the past 12 months. Consumers spanning 10 states and territories have weighed in, giving this a geographically concentrated footprint. 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.
CFPB-forwarded complaints against Capital Recovery Systems, Inc. draw a 66.7% reply rate inside the Bureau's 15-day window. That is far under the 95% benchmark - a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. The company's response carried a 11.1% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 0% closed with some form of monetary or non-monetary relief to the consumer.
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.
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.
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.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.