CFPB Consumer Complaint Profile
Financial Recovery Services, Inc.
409 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-05-15
- 409
- Total complaints
- 65
- Last 12 months
- 99.3%
- Timely response
- 42
- States affected
The verdict
Out of 3,848 financial companies in the CFPB database, Financial Recovery Services, Inc. has accumulated 409 complaints, placing it #564 by volume. It answers 99.3% of complaints on time - above the 93% median for companies with 100+ complaints.
- #564
- of 3,848 companies by volume
- 99.3%
- answered on time
- Debt collection
- most-complained product
- 42
- 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 |
|---|---|
| 2013 | 7 |
| 2014 | 24 |
| 2015 | 20 |
| 2016 | 7 |
| 2017 | 18 |
| 2018 | 25 |
| 2019 | 33 |
| 2020 | 26 |
| 2021 | 28 |
| 2022 | 39 |
| 2023 | 43 |
| 2024 | 52 |
| 2025 | 75 |
| 2026 | 12 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Financial Recovery Services, Inc.
Financial Recovery Services, Inc. carries 409 complaints in the CFPB's database, 65 of them filed within the past 12 months. Consumers spanning 42 states and territories have weighed in, giving this a nationwide footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. 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.
99.3% of CFPB-forwarded complaints against Financial Recovery Services, Inc. get a reply inside the Bureau's 15-day window. 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 12.5% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 1.2% 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 Financial Recovery Services, Inc. have?
The CFPB has logged 409 complaints against Financial Recovery Services, Inc. to date, of which 65 came in over the last 12 months.
Does Financial Recovery Services, Inc. respond to complaints on time?
99.3% of the CFPB complaints against Financial Recovery Services, Inc. get a response within the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for Financial Recovery Services, Inc.?
Among all products tied to Financial Recovery Services, Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Financial Recovery Services, Inc.?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Financial Recovery Services, Inc. - see all issues and counts above.
How do I file a complaint against Financial Recovery Services, Inc.?
You can file a complaint against Financial 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 Financial Recovery Services, Inc.?
Consumers in 42 states and territories have filed complaints about Financial Recovery Services, 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~409)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.