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 2026-05-15
- 370
- Total complaints
- 69
- Last 12 months
- 99.2%
- Timely response
- 26
- States affected
The verdict
Express Recovery Services, Inc. ranks #606 of 3,848 financial companies by CFPB complaint volume, with 370 complaints on record. Its on-time response rate is 99.2%, ahead of the 93% median among companies with 100+ complaints.
- #606
- of 3,848 companies by volume
- 99.2%
- answered on time
- Debt collection
- most-complained product
- 26
- 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 |
|---|---|
| 2014 | 10 |
| 2015 | 24 |
| 2016 | 18 |
| 2017 | 37 |
| 2018 | 24 |
| 2019 | 17 |
| 2020 | 32 |
| 2021 | 34 |
| 2022 | 24 |
| 2023 | 21 |
| 2024 | 43 |
| 2025 | 71 |
| 2026 | 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. answers 99.2% of forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. The company's response was formally disputed in 20% of resolved cases, indicating how frequently the initial fix fell short. Of complaints that were resolved, 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 (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 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~370)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.