CFPB Consumer Complaint Profile
Financial Recovery Services, Inc.
The CFPB complaints on file trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 409
- Total complaints
- Above average
- 65
- Last 12 months
- 99.3%
- Timely response
- Above median
- 42
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Financial Recovery Services, Inc. places #563 by volume. On response speed it sits at the 66th percentile among companies with 100+ complaints.
- Debt collection
- most-complained product
- FL
- 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.
Financial Recovery Services, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.3% Higher than most higher than 66% 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 52 in 2024 to 75 in 2025 (2024 → 2025).
Reading this profile
Source: CFPB Consumer Complaint Database
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 |
| 2026year in progress | 12 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Financial Recovery Services, Inc.
Financial Recovery Services, Inc. draws a nationwide spread of CFPB complaints, filed by consumers in many parts of the country. "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.
The timely-response measure counts forwarded complaints answered inside the Bureau's 15-day window. 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 Financial 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 (12.5% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
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?
CFPB complaints against Financial Recovery Services, Inc. draw a 99.3% timely-response rate inside 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.