CFPB Consumer Complaint Profile
International Recovery Associates, Inc.
What 32 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 32
- Total complaints
- Mid-range
- 2
- Last 12 months
- 100%
- Timely response
- Top decile
- 3
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, International Recovery Associates, Inc. has accumulated 32 complaints, placing it #2270 by volume. It posts a 100% on-time response rate, the 86th percentile among companies with 100+ complaints.
- #2270
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Debt collection
- most-complained product
- 3
- 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.
International Recovery Associates, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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
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 |
|---|---|
| 2017 | 1 |
| 2018 | 3 |
| 2020 | 3 |
| 2021 | 11 |
| 2022 | 3 |
| 2023 | 4 |
| 2024 | 4 |
| 2025 | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for International Recovery Associates, Inc.
The CFPB Consumer Complaint Database has logged 32 complaints against International Recovery Associates, Inc. overall, with 2 of those filed in the trailing 12 months. Reports have come from consumers in 3 states and territories, making this a geographically concentrated complaint footprint. 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 "Written notification about debt" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against International Recovery Associates, Inc. draw a 100% reply rate inside the Bureau's 15-day window. That is at or above benchmark levels, a sign the company handles intake and escalation well. Among resolved complaints, the consumer-relief closure rate is 3.1%.
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 International Recovery Associates, Inc. have?
The CFPB has logged 32 complaints against International Recovery Associates, Inc. to date, of which 2 came in over the last 12 months.
Does International Recovery Associates, Inc. respond to complaints on time?
CFPB complaints against International Recovery Associates, Inc. draw a 100% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for International Recovery Associates, Inc.?
The most complained-about product for International Recovery Associates, Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with International Recovery Associates, Inc.?
The most common issue reported by consumers about International Recovery Associates, Inc. is "Written notification about debt." All complaint issues are listed above with their counts.
How do I file a complaint against International Recovery Associates, Inc.?
You can file a complaint against International Recovery Associates, 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 International Recovery Associates, Inc.?
The CFPB has recorded complaints against International Recovery Associates, Inc. from 3 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.
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does International Recovery Associates, Inc. have?
The CFPB has logged 32 complaints against International Recovery Associates, Inc. to date, of which 2 came in over the last 12 months.
Does International Recovery Associates, Inc. respond to complaints on time?
CFPB complaints against International Recovery Associates, Inc. draw a 100% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for International Recovery Associates, Inc.?
The most complained-about product for International Recovery Associates, Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with International Recovery Associates, Inc.?
The most common issue reported by consumers about International Recovery Associates, Inc. is "Written notification about debt." All complaint issues are listed above with their counts.
How do I file a complaint against International Recovery Associates, Inc.?
You can file a complaint against International Recovery Associates, 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 International Recovery Associates, Inc.?
The CFPB has recorded complaints against International Recovery Associates, Inc. from 3 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.