CFPB Consumer Complaint Profile
Choice Recovery, Inc.
What 846 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 846
- Total complaints
- Among the highest
- 0
- Last 12 months
- 98.2%
- Timely response
- Above median
- 36
- States affected
The verdict
Choice Recovery, Inc. ranks #362 of 3,843 financial companies by CFPB complaint volume, with 846 complaints on record. It posts a 98.2% on-time response rate, the 50th percentile among companies with 100+ complaints.
- #362
- of 3,843 companies by volume
- 98.2%
- on time (50th pctile)
- Debt collection
- most-complained product
- 36
- 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.
Choice Recovery, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
98.2% Higher than most higher than 50% 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 2021 to 2022 complete years
- Annual CFPB complaint volume moved from 130 in 2021 to 143 in 2022 (2021 → 2022).
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 | 10 |
| 2014 | 23 |
| 2015 | 31 |
| 2016 | 64 |
| 2017 | 96 |
| 2018 | 124 |
| 2019 | 94 |
| 2020 | 131 |
| 2021 | 130 |
| 2022 | 143 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Choice Recovery, Inc.
The CFPB Consumer Complaint Database has logged 846 complaints against Choice Recovery, Inc. overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 36 states and territories, making this a multi-regional complaint 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.
Within the Bureau's 15-day response window, Choice Recovery, Inc. posts a 98.2% reply rate on forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Consumers formally disputed the company's response at a 22.9% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 0.1% 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 Choice Recovery, Inc. have?
Choice Recovery, Inc. has 846 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Choice Recovery, Inc. respond to complaints on time?
CFPB complaints against Choice Recovery, Inc. draw a 98.2% timely-response rate inside the expected window. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Choice Recovery, Inc.?
Among all products tied to Choice Recovery, Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Choice Recovery, Inc.?
The most common issue reported by consumers about Choice Recovery, Inc. is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Choice Recovery, Inc.?
You can file a complaint against Choice 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 Choice Recovery, Inc.?
Consumers in 36 states and territories have filed complaints about Choice 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 Choice 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 (22.9% 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.