CFPB Consumer Complaint Profile
Choice Recovery, Inc.
What the 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. On response speed it sits at the 50th percentile among companies with 100+ complaints.
- Debt collection
- most-complained product
- OH
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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).
Reading this profile
Source: CFPB Consumer Complaint Database
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 shows a multi-regional complaint footprint for Choice Recovery, Inc., with consumers across the country filing against it. 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, the timely-response measure shows how often forwarded complaints get a reply. This company's rate is at or above the industry benchmark, which suggests its intake and escalation processes are functioning as designed. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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.
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.
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.