CFPB Consumer Complaint Profile

S & S Recovery, Inc.

Consumers have filed 128 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.

Data updated 2026-05-15

128
Total complaints
65
Last 12 months
98.4%
Timely response
12
States affected

The verdict

S & S Recovery, Inc. ranks #1193 of 3,848 financial companies by CFPB complaint volume, with 128 complaints on record. Its on-time response rate is 98.4%, ahead of the 93% median among companies with 100+ complaints.

#1193
of 3,848 companies by volume
98.4%
answered on time
Debt collection
most-complained product
12
states with complaints
S & S Recovery, Inc. timely response rate 98.4%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - I do not know 57
Credit reporting or other personal consumer reports - Credit reporting 23
Debt collection - Other debt 15
Debt collection - Private student loan debt 8
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 8
Debt collection - Federal student loan debt 7
Debt collection - Other (i.e. phone, health club, etc.) 3
Student loan - Private student loan 2
Student loan - Federal student loan servicing 1
Debt collection - Medical debt 1

Top Issues

1.Attempts to collect debt not owed 29
2.Took or threatened to take negative or legal action 17
3.Written notification about debt 16
4.Incorrect information on your report 16
5.False statements or representation 11
6.Communication tactics 10
7.Problem with a company's investigation into an existing problem 7
8.Improper use of your report 5
9.Problem with a credit reporting company's investigation into an existing problem 3
10.Threatened to contact someone or share information improperly 3

Complaints by Year

Year Complaints
2014 2
2015 2
2016 2
2017 2
2018 2
2019 2
2020 5
2021 2
2022 7
2023 11
2024 21
2025 47
2026 23

Complaints by State (Top 15)

Texas 79
Mississippi 16
Louisiana 6
Tennessee 5
Missouri 4
Florida 4
Iowa 3
California 3
Georgia 3
Arkansas 2
Arizona 2
Colorado 1

Company Responses

Closed with explanation 128

What the CFPB Complaint Record Shows for S & S Recovery, Inc.

S & S Recovery, Inc. carries 128 complaints in the CFPB's database, 65 of them filed within the past 12 months. Consumers spanning 12 states and territories have weighed in, giving this a geographically concentrated footprint. "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.

S & S Recovery, Inc.'s timely response rate stands at 98.4%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. The company's response was formally disputed in 28.6% of resolved cases, indicating how frequently the initial fix fell short. Of complaints that were resolved, 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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

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 S & S Recovery, Inc. have?

S & S Recovery, Inc. has 128 total consumer complaints filed with the CFPB, with 65 filed in the last 12 months.

Does S & S Recovery, Inc. respond to complaints on time?

S & S Recovery, Inc.'s CFPB timely-response rate is 98.4%. That is a strong response record by CFPB standards.

What product generates the most complaints for S & S Recovery, Inc.?

Among all products tied to S & S Recovery, Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).

What is the most common complaint issue with S & S Recovery, Inc.?

"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against S & S Recovery, Inc. - see all issues and counts above.

How do I file a complaint against S & S Recovery, Inc.?

You can file a complaint against S & S 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 S & S Recovery, Inc.?

Consumers in 12 states and territories have filed complaints about S & S Recovery, 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.

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Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.