CFPB Consumer Complaint Profile
Interstate Recovery Service, Inc.
48 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 48
- Total complaints
- Mid-range
- 0
- Last 12 months
- 22.9%
- Timely response
- Bottom decile
- 21
- States affected
The verdict
48 CFPB complaints put Interstate Recovery Service, Inc. at #1877 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 22.9%, the 1st percentile among companies with 100+ complaints.
- #1877
- of 3,843 companies by volume
- 22.9%
- on time (1st pctile)
- Debt collection
- most-complained product
- 21
- 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.
Interstate Recovery Service, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
22.9% Among the lowest higher than 1% 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 |
|---|---|
| 2014 | 5 |
| 2015 | 3 |
| 2016 | 4 |
| 2017 | 13 |
| 2018 | 12 |
| 2019 | 5 |
| 2020 | 5 |
| 2024 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Interstate Recovery Service, Inc.
The CFPB Consumer Complaint Database has logged 48 complaints against Interstate Recovery Service, Inc. overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 21 states and territories, making this a multi-regional complaint footprint. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. 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, Interstate Recovery Service, Inc. posts a 22.9% reply rate on forwarded complaints. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. The company's response carried a 5.9% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 0% 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, 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 Interstate Recovery Service, Inc. have?
48 complaints have been filed against Interstate Recovery Service, Inc. with the CFPB overall - 0 of them in the past year.
Does Interstate Recovery Service, Inc. respond to complaints on time?
CFPB complaints against Interstate Recovery Service, Inc. draw a 22.9% timely-response rate inside the expected window. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Interstate Recovery Service, Inc.?
"Debt collection" draws more CFPB complaints against Interstate Recovery Service, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Interstate Recovery Service, Inc.?
The most common issue reported by consumers about Interstate Recovery Service, Inc. is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Interstate Recovery Service, Inc.?
You can file a complaint against Interstate Recovery Service, 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 Interstate Recovery Service, Inc.?
Consumers in 21 states and territories have filed complaints about Interstate Recovery Service, 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Interstate Recovery Service, 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 (5.9% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Interstate Recovery Service, Inc. have?
48 complaints have been filed against Interstate Recovery Service, Inc. with the CFPB overall - 0 of them in the past year.
Does Interstate Recovery Service, Inc. respond to complaints on time?
CFPB complaints against Interstate Recovery Service, Inc. draw a 22.9% timely-response rate inside the expected window. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Interstate Recovery Service, Inc.?
"Debt collection" draws more CFPB complaints against Interstate Recovery Service, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Interstate Recovery Service, Inc.?
The most common issue reported by consumers about Interstate Recovery Service, Inc. is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Interstate Recovery Service, Inc.?
You can file a complaint against Interstate Recovery Service, 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 Interstate Recovery Service, Inc.?
Consumers in 21 states and territories have filed complaints about Interstate Recovery Service, 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.