CFPB Consumer Complaint Profile
Key 2 Recovery, Inc.
Consumers have filed 319 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 319
- Total complaints
- Above average
- 67
- Last 12 months
- 98.4%
- Timely response
- Above median
- 40
- States affected
The verdict
Key 2 Recovery, Inc. ranks #669 of 3,843 financial companies by CFPB complaint volume, with 319 complaints on record. It posts a 98.4% on-time response rate, the 52nd percentile among companies with 100+ complaints.
- #669
- of 3,843 companies by volume
- 98.4%
- on time (52nd pctile)
- Debt collection
- most-complained product
- 40
- 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.
Key 2 Recovery, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
98.4% Higher than most higher than 52% 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 38 in 2024 to 70 in 2025 (2024 → 2025).
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 | 10 |
| 2015 | 13 |
| 2016 | 11 |
| 2017 | 14 |
| 2018 | 24 |
| 2019 | 15 |
| 2020 | 10 |
| 2021 | 44 |
| 2022 | 21 |
| 2023 | 34 |
| 2024 | 38 |
| 2025 | 70 |
| 2026year in progress | 15 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Key 2 Recovery, Inc.
Key 2 Recovery, Inc. carries 319 complaints in the CFPB's database, 67 of them filed within the past 12 months. Consumers spanning 40 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.
CFPB-forwarded complaints against Key 2 Recovery, Inc. draw a 98.4% 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. The company's response carried a 21.6% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, the consumer-relief closure rate is 0.9%.
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 Key 2 Recovery, Inc. have?
319 complaints have been filed against Key 2 Recovery, Inc. with the CFPB overall - 67 of them in the past year.
Does Key 2 Recovery, Inc. respond to complaints on time?
CFPB complaints against Key 2 Recovery, Inc. draw a 98.4% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for Key 2 Recovery, Inc.?
The most complained-about product for Key 2 Recovery, Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Key 2 Recovery, Inc.?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Key 2 Recovery, Inc.; the full issue list with counts is above.
How do I file a complaint against Key 2 Recovery, Inc.?
You can file a complaint against Key 2 Recovery, 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 Key 2 Recovery, Inc.?
Key 2 Recovery, Inc. has drawn CFPB complaints from 40 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Key 2 Recovery, 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 (21.6% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.