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 2026-05-15
- 236
- Total complaints
- 32
- Last 12 months
- 99.2%
- Timely response
- 28
- States affected
The verdict
Among 3,848 financial companies tracked by CFPB complaint volume, Central States Recovery, Inc. sits at #814, with 236 complaints logged. It answers 99.2% of complaints on time - above the 93% median for companies with 100+ complaints.
- #814
- of 3,848 companies by volume
- 99.2%
- answered on time
- Debt collection
- most-complained product
- 28
- states with complaints
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 |
| 2026 | 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.
99.2% of CFPB-forwarded complaints against Central States Recovery, Inc. get a reply 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. In 0% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. 0% of resolved complaints ended with some monetary or non-monetary relief for 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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~236)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.