CFPB Consumer Complaint Profile
National Recovery Service, Inc.
Behind the 20 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 20
- Total complaints
- Mid-range
- 0
- Last 12 months
- 0%
- Timely response
- Bottom decile
- 12
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, National Recovery Service, Inc. has accumulated 20 complaints, placing it #2861 by volume. It posts a 0% on-time response rate, the 0th percentile among companies with 100+ complaints.
- #2861
- of 3,843 companies by volume
- 0%
- on time (0th pctile)
- Debt collection
- most-complained product
- 12
- states with 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.
National Recovery Service, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
0% Among the lowest in the bottom 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
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2018 | 1 |
| 2019 | 9 |
| 2020 | 3 |
| 2021 | 7 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for National Recovery Service, Inc.
National Recovery Service, Inc. carries 20 complaints in the CFPB's database, 0 of them filed within the past 12 months. Consumers spanning 12 states and territories have weighed in, giving this a geographically concentrated footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against National Recovery Service, Inc. draw a 0% reply rate inside the Bureau's 15-day window. That is far under the 95% benchmark - a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. 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 National Recovery Service, Inc. have?
National Recovery Service, Inc. has 20 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does National Recovery Service, Inc. respond to complaints on time?
CFPB complaints against National Recovery Service, Inc. draw a 0% timely-response rate inside the expected window. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for National Recovery Service, Inc.?
Among all products tied to National Recovery Service, Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with National Recovery Service, Inc.?
Consumers most often cite "Attempts to collect debt not owed" when complaining about National Recovery Service, Inc.; the full issue list with counts is above.
How do I file a complaint against National Recovery Service, Inc.?
You can file a complaint against National 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 National Recovery Service, Inc.?
Consumers in 12 states and territories have filed complaints about National 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.
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does National Recovery Service, Inc. have?
National Recovery Service, Inc. has 20 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does National Recovery Service, Inc. respond to complaints on time?
CFPB complaints against National Recovery Service, Inc. draw a 0% timely-response rate inside the expected window. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for National Recovery Service, Inc.?
Among all products tied to National Recovery Service, Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with National Recovery Service, Inc.?
Consumers most often cite "Attempts to collect debt not owed" when complaining about National Recovery Service, Inc.; the full issue list with counts is above.
How do I file a complaint against National Recovery Service, Inc.?
You can file a complaint against National 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 National Recovery Service, Inc.?
Consumers in 12 states and territories have filed complaints about National 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.