CFPB Consumer Complaint Profile
Express Recovery Services, Inc.
Behind the 370 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 370
- Total complaints
- Above average
- 69
- Last 12 months
- 99.2%
- Timely response
- Above median
- 26
- States affected
The verdict
Express Recovery Services, Inc. ranks #605 of 3,843 financial companies by CFPB complaint volume, with 370 complaints on record. Its on-time response rate is 99.2%, the 64th percentile among companies with 100+ complaints.
- #605
- of 3,843 companies by volume
- 99.2%
- on time (64th pctile)
- Debt collection
- most-complained product
- 26
- 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.
Express Recovery Services, 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 43 in 2024 to 71 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 |
|---|---|
| 2014 | 10 |
| 2015 | 24 |
| 2016 | 18 |
| 2017 | 37 |
| 2018 | 24 |
| 2019 | 17 |
| 2020 | 32 |
| 2021 | 34 |
| 2022 | 24 |
| 2023 | 21 |
| 2024 | 43 |
| 2025 | 71 |
| 2026year in progress | 15 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Express Recovery Services, Inc.
370 complaints against Express Recovery Services, Inc. appear in the CFPB record, including 69 from the trailing year. The 26 states and territories represented put this footprint in multi-regional territory. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. 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.
Within the Bureau's 15-day response window, Express Recovery Services, Inc. posts a 99.2% reply rate on forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. The company's response carried a 20% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 2.2% 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 Express Recovery Services, Inc. have?
Express Recovery Services, Inc. has 370 total consumer complaints filed with the CFPB, with 69 filed in the last 12 months.
Does Express Recovery Services, Inc. respond to complaints on time?
Express Recovery Services, Inc.'s CFPB timely-response rate is 99.2%. That is a strong response record by CFPB standards.
What product generates the most complaints for Express Recovery Services, Inc.?
Among all products tied to Express Recovery Services, Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Express Recovery Services, Inc.?
The most common issue reported by consumers about Express Recovery Services, Inc. is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Express Recovery Services, Inc.?
You can file a complaint against Express Recovery Services, 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 Express Recovery Services, Inc.?
The CFPB has recorded complaints against Express Recovery Services, Inc. from 26 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Express Recovery Services, 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 (20% 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.