CFPB Consumer Complaint Profile

Integrated Recovery Services

Consumers have filed 209 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.

Data updated 2026-05-15

209
Total complaints
0
Last 12 months
29.2%
Timely response
43
States affected

The verdict

209 CFPB complaints put Integrated Recovery Services at #902 out of 3,848 financial companies ranked by complaint volume. 29.2% of its complaints get an on-time reply, falling short of the 93% median for the 100+ complaint peer group.

#902
of 3,848 companies by volume
29.2%
answered on time
Debt collection
most-complained product
43
states with complaints
Integrated Recovery Services timely response rate 29.2%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - I do not know 89
Debt collection - Payday loan 72
Debt collection - Payday loan debt 16
Payday loan 6
Debt collection - Credit card debt 4
Debt collection - Other (i.e. phone, health club, etc.) 4
Debt collection - Other debt 4
Payday loan, title loan, or personal loan - Payday loan 3
Consumer Loan - Installment loan 2
Debt collection - Medical debt 2

Top Issues

1.Communication tactics 68
2.Taking/threatening an illegal action 30
3.Improper contact or sharing of info 26
4.Cont'd attempts collect debt not owed 20
5.Took or threatened to take negative or legal action 17
6.False statements or representation 16
7.Threatened to contact someone or share information improperly 11
8.Attempts to collect debt not owed 4
9.Struggling to pay your loan 3
10.Received a loan I didn't apply for 3

Complaints by Year

Year Complaints
2014 17
2015 54
2016 66
2017 46
2018 16
2019 4
2020 2
2021 1
2022 3

Complaints by State (Top 15)

Texas 36
California 35
Ohio 21
Florida 14
Michigan 9
New Jersey 8
Nevada 6
Arizona 5
Virginia 4
Missouri 4
Tennessee 4
Oklahoma 4
Louisiana 3
Maryland 3
Wisconsin 3

Company Responses

Closed with explanation 192
Untimely response 10
Closed 6
Closed with non-monetary relief 1

What the CFPB Complaint Record Shows for Integrated Recovery Services

209 complaints against Integrated Recovery Services appear in the CFPB record, including 0 from the trailing year. The 43 states and territories represented put this footprint in nationwide 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 "Communication tactics" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.

29.2% of CFPB-forwarded complaints against Integrated Recovery Services get a reply inside the Bureau's 15-day window. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. The company's response was formally disputed in 11.4% of resolved cases, indicating how frequently the initial fix fell short. Of complaints that were resolved, 0.5% 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 Integrated Recovery Services have?

Integrated Recovery Services has 209 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.

Does Integrated Recovery Services respond to complaints on time?

Integrated Recovery Services's CFPB timely-response rate is 29.2%. That falls well short of the 95% benchmark most companies clear.

What product generates the most complaints for Integrated Recovery Services?

Among all products tied to Integrated Recovery Services, "Debt collection" accounts for the largest share of complaints (full breakdown above).

What is the most common complaint issue with Integrated Recovery Services?

"Communication tactics" is the single most frequently cited issue in complaints against Integrated Recovery Services - see all issues and counts above.

How do I file a complaint against Integrated Recovery Services?

You can file a complaint against Integrated Recovery Services 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 Integrated Recovery Services?

Integrated Recovery Services has drawn CFPB complaints from 43 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated 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.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026