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 2026-08-14
- 128
- Total complaints
- Mid-range
- 65
- Last 12 months
- 98.4%
- Timely response
- Above median
- 12
- States affected
The verdict
S & S Recovery, Inc. ranks #1191 of 3,843 financial companies by CFPB complaint volume, with 128 complaints on record. Its on-time response rate is 98.4%, the 52nd percentile among companies with 100+ complaints.
- #1191
- of 3,843 companies by volume
- 98.4%
- on time (52nd 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.
S & S 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 21 in 2024 to 47 in 2025 (2024 → 2025).
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 |
|---|---|
| 2014 | 2 |
| 2015 | 2 |
| 2016 | 2 |
| 2017 | 2 |
| 2018 | 2 |
| 2019 | 2 |
| 2020 | 5 |
| 2021 | 2 |
| 2022 | 7 |
| 2023 | 11 |
| 2024 | 21 |
| 2025 | 47 |
| 2026year in progress | 23 |
Complaints by State (Top 15)
Company Responses
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 carried a 28.6% 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 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for S & S 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 (28.6% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
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.