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 2026-05-15

846
Total complaints
0
Last 12 months
98.2%
Timely response
36
States affected

The verdict

Choice Recovery, Inc. ranks #362 of 3,848 financial companies by CFPB complaint volume, with 846 complaints on record. It answers 98.2% of complaints on time - above the 93% median for companies with 100+ complaints.

#362
of 3,848 companies by volume
98.2%
answered on time
Debt collection
most-complained product
36
states with complaints
Choice Recovery, Inc. timely response rate 98.2%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - Medical debt 353
Debt collection - I do not know 136
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 127
Debt collection - Medical 119
Debt collection - Other debt 66
Debt collection - Credit card debt 22
Debt collection - Other (i.e. phone, health club, etc.) 14
Debt collection - Auto 2
Credit reporting 2
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report 1

Top Issues

1.Attempts to collect debt not owed 279
2.Written notification about debt 206
3.Incorrect information on your report 84
4.Cont'd attempts collect debt not owed 72
5.Disclosure verification of debt 56
6.False statements or representation 56
7.Problem with a credit reporting company's investigation into an existing problem 26
8.Took or threatened to take negative or legal action 21
9.Improper use of your report 17
10.Communication tactics 16

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)

Ohio 267
Florida 230
Georgia 57
Texas 53
Illinois 37
North Carolina 23
South Carolina 22
Kentucky 21
Missouri 16
New York 11
Alabama 11
New Jersey 10
Indiana 9
Michigan 8
California 7

Company Responses

Closed with explanation 786
Closed 59
Closed with monetary relief 1

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. answers 98.2% of 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 in 22.9% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 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 (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 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?

98.2% of the CFPB complaints against Choice Recovery, Inc. get a response within 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.

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Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.