CFPB Consumer Complaint Profile
Monarch Recovery Holdings, 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
- 579
- Total complaints
- Above average
- 156
- Last 12 months
- 99%
- Timely response
- Above median
- 46
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Monarch Recovery Holdings, Inc. sits at #463. Its on-time response record is at the 60th percentile among companies with 100+ complaints.
- Debt collection
- most-complained product
- NY
- 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.
Monarch Recovery Holdings, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99% Higher than most higher than 60% 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 73 in 2024 to 141 in 2025 (2024 → 2025).
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 17 |
| 2014 | 33 |
| 2015 | 36 |
| 2016 | 26 |
| 2017 | 17 |
| 2018 | 26 |
| 2019 | 13 |
| 2020 | 33 |
| 2021 | 44 |
| 2022 | 30 |
| 2023 | 51 |
| 2024 | 73 |
| 2025 | 141 |
| 2026year in progress | 39 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Monarch Recovery Holdings, Inc.
The CFPB Consumer Complaint Database shows a nationwide complaint footprint for Monarch Recovery Holdings, Inc., with consumers across the country filing against it. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.
Timely response is the share of CFPB-forwarded complaints that receive a company reply within the 15-day window the Bureau expects. This company's rate is at or above benchmark levels, a sign it handles intake and escalation well. 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 Monarch Recovery Holdings, 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 (16.5% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Monarch Recovery Holdings, Inc. have?
Monarch Recovery Holdings, Inc. has 579 total consumer complaints filed with the CFPB, with 156 filed in the last 12 months.
Does Monarch Recovery Holdings, Inc. respond to complaints on time?
CFPB complaints against Monarch Recovery Holdings, Inc. draw a 99% timely-response rate inside the expected window. This is considered excellent.
What product generates the most complaints for Monarch Recovery Holdings, Inc.?
"Debt collection" draws more CFPB complaints against Monarch Recovery Holdings, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Monarch Recovery Holdings, Inc.?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Monarch Recovery Holdings, Inc.; the full issue list with counts is above.
How do I file a complaint against Monarch Recovery Holdings, Inc.?
You can file a complaint against Monarch Recovery Holdings, 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 Monarch Recovery Holdings, Inc.?
Consumers in 46 states and territories have filed complaints about Monarch Recovery Holdings, 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.