CFPB Consumer Complaint Profile
Total Recovery Services, Inc
14 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 14
- Total complaints
- Below average
- 0
- Last 12 months
- 92.9%
- Timely response
- Bottom quartile
- 3
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Total Recovery Services, Inc has accumulated 14 complaints, placing it #3314 by volume. It posts a 92.9% on-time response rate, the 23rd percentile among companies with 100+ complaints.
- #3314
- of 3,843 companies by volume
- 92.9%
- on time (23rd pctile)
- Debt collection
- most-complained product
- 3
- 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.
Total Recovery Services, Inc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
92.9% Among the lowest higher than 23% 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 |
|---|---|
| 2014 | 2 |
| 2015 | 1 |
| 2016 | 2 |
| 2017 | 2 |
| 2019 | 1 |
| 2022 | 2 |
| 2023 | 1 |
| 2024 | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Total Recovery Services, Inc
14 complaints against Total Recovery Services, Inc appear in the CFPB record, including 0 from the trailing year. The 3 states and territories represented put this footprint in geographically concentrated territory. "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 "False statements or representation" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, Total Recovery Services, Inc posts a 92.9% reply rate on forwarded complaints. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. Resolved cases drew a formal consumer-dispute rate of 60% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, the consumer-relief closure rate is 0%.
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 Total Recovery Services, Inc have?
14 complaints have been filed against Total Recovery Services, Inc with the CFPB overall - 0 of them in the past year.
Does Total Recovery Services, Inc respond to complaints on time?
Total Recovery Services, Inc's CFPB timely-response rate is 92.9%.
What product generates the most complaints for Total Recovery Services, Inc?
"Debt collection" draws more CFPB complaints against Total Recovery Services, Inc than any other product - see the full breakdown above.
What is the most common complaint issue with Total Recovery Services, Inc?
The most common issue reported by consumers about Total Recovery Services, Inc is "False statements or representation." All complaint issues are listed above with their counts.
How do I file a complaint against Total Recovery Services, Inc?
You can file a complaint against Total Recovery Services, 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 Total Recovery Services, Inc?
Consumers in 3 states and territories have filed complaints about Total Recovery Services, 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 Total Recovery Services, 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 (60% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Total Recovery Services, Inc have?
14 complaints have been filed against Total Recovery Services, Inc with the CFPB overall - 0 of them in the past year.
Does Total Recovery Services, Inc respond to complaints on time?
Total Recovery Services, Inc's CFPB timely-response rate is 92.9%.
What product generates the most complaints for Total Recovery Services, Inc?
"Debt collection" draws more CFPB complaints against Total Recovery Services, Inc than any other product - see the full breakdown above.
What is the most common complaint issue with Total Recovery Services, Inc?
The most common issue reported by consumers about Total Recovery Services, Inc is "False statements or representation." All complaint issues are listed above with their counts.
How do I file a complaint against Total Recovery Services, Inc?
You can file a complaint against Total Recovery Services, 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 Total Recovery Services, Inc?
Consumers in 3 states and territories have filed complaints about Total Recovery Services, 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.