CFPB Consumer Complaint Profile
Central States Recovery, Inc.
236 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
- 236
- Total complaints
- Above average
- 32
- Last 12 months
- 99.2%
- Timely response
- Above median
- 28
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Central States Recovery, Inc. sits at #813, with 236 complaints logged. It posts a 99.2% on-time response rate, the 64th percentile among companies with 100+ complaints.
- #813
- of 3,843 companies by volume
- 99.2%
- on time (64th pctile)
- Debt collection
- most-complained product
- 28
- 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.
Central States Recovery, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.2% Higher than most higher than 64% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 12 in 2024 to 32 in 2025 (2024 → 2025).
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 |
|---|---|
| 2013 | 2 |
| 2014 | 6 |
| 2015 | 12 |
| 2016 | 11 |
| 2017 | 25 |
| 2018 | 31 |
| 2019 | 20 |
| 2020 | 13 |
| 2021 | 30 |
| 2022 | 19 |
| 2023 | 8 |
| 2024 | 12 |
| 2025 | 32 |
| 2026year in progress | 15 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Central States Recovery, Inc.
The CFPB Consumer Complaint Database has logged 236 complaints against Central States Recovery, Inc. overall, with 32 of those filed in the trailing 12 months. Reports have come from consumers in 28 states and territories, making this a multi-regional complaint footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Central States Recovery, Inc. draw a 99.2% reply rate inside the Bureau's 15-day window. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Resolved cases drew a formal consumer-dispute rate of 0% - a rough measure of how often the first resolution missed the mark. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0% rate.
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 Central States Recovery, Inc. have?
The CFPB has logged 236 complaints against Central States Recovery, Inc. to date, of which 32 came in over the last 12 months.
Does Central States Recovery, Inc. respond to complaints on time?
Central States Recovery, Inc. has a 99.2% timely response rate to CFPB complaints. This is considered excellent.
What product generates the most complaints for Central States Recovery, Inc.?
"Debt collection" draws more CFPB complaints against Central States Recovery, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Central States Recovery, Inc.?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Central States Recovery, Inc. - see all issues and counts above.
How do I file a complaint against Central States Recovery, Inc.?
You can file a complaint against Central States Recovery, 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 Central States Recovery, Inc.?
Consumers in 28 states and territories have filed complaints about Central States Recovery, Inc. with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Central States Recovery, 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 (0% 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.