CFPB · Single-product concentration

Monarch Recovery Holdings, Inc.

621 CFPB complaints · 89.2% in "Debt collection" · top issue Attempts to collect debt not owed.

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621 CFPB complaints

Monarch Recovery Holdings, Inc.: 89.2% of 621 CFPB complaints sit in "Debt collection". Timely 99% · relief 4.3%. Allegations, not findings.

  • Single-product concentration
  • +376.5% filings 2013 to 2026

CFPB relief outcome brief

CCDB company monarch-recovery-holdings-inc

4.3% relief · 99% timely · 621 filings · Debt collection

Same-product relief peers

Nearest relief peer: Westcreek Financial (4.3% relief)

Monarch Recovery Holdings,Inc. (this)4.3%Associated Credit Services,Inc.1.1%Law Office of Michael J.Scott, PC0%Concord Servicing Corporation3.5%Total Card, Inc.0.2%
Closed-with-relief % among Monarch Recovery Holdings, Inc. and nearest filing-volume peers

Monarch Recovery Holdings, Inc. closes 4.3% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →

Response Quality Score

Monarch Recovery Holdings, Inc. scores strongest on timely response (98/100 percentile-benchmarked) and weakest on relief provided (20/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.

61 /100 grade C

Relief provided

20 / 100 percentile-benchmarked

4.3% of complaints closed with relief to the consumer

Timely response

98 / 100 percentile-benchmarked

99% of complaints answered inside the CFPB 15-day window

Closed with explanation

92 / 100 percentile-benchmarked

95.5% of complaints closed with an explanation to the consumer

How 621 complaints split on narrative text

CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.

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Timely response rate 99.0%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 4.3%
Industry median (≥10 complaints)

Share closed with monetary or non-monetary relief.

Monarch Recovery Holdings, Inc. complaint mix by product

Total complaints: 621

Monarch Recovery Holdings, Inc. complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 621 total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Debt collection: 554 complaints (89.5%), resolution 4.7% Debt collection 89.5% Credit reporting: 33 complaints (5.3%), resolution 0.0% Credit reporting,: 16 complaints (2.6%), resolution 0.0% Credit card: 7 complaints (1.1%), resolution 14.3% Debt or: 5 complaints (0.8%), resolution 0.0% Checking or: 3 complaints (0.5%), resolution 0.0% Vehicle loan: 1 complaints (0.2%), resolution 0.0%
  • Debt collection 554 89.5% – 5% relief
  • Credit reporting 33 5.3% – 0% relief
  • Credit reporting, 16 2.6% – 0% relief
  • Credit card 7 1.1% – 14% relief
  • Debt or 5 0.8% – 0% relief
  • Checking or 3 0.5% – 0% relief
  • Vehicle loan 1 0.2% – 0% relief

How Monarch Recovery Holdings, Inc.'s 621 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.

Complaints by Product

Product Complaints
Debt collection 554
Credit reporting or other personal consumer reports 33
Credit reporting, credit repair services, or other personal consumer reports 16
Credit card 7
Debt or credit management 5
Checking or savings account 3
Vehicle loan or lease 1
Bank account or service 1
Credit card or prepaid card 1

Nationwide filing states for Monarch Recovery Holdings, Inc.

Top states by attributed CFPB complaint volume for this company

Nationwide footprint
Leading state
NY
15.3% of this company's filings
NY95CA65MA58GA42TX39FL37NJ32OH21

Monarch Recovery Holdings, Inc. rising annual filings

Annual filing volume from the CFPB public database

Rising vs first year
2026
81
+376.5% vs 2013
050100150 20132015201720192021202320252026 81

Top States

State Complaints
NY 95
CA 65
MA 58
GA 42
TX 39
FL 37
NJ 32
OH 21
PA 19
NC 15
AZ 14
TN 14
MD 12
MN 12
VA 11
IL 10
IN 10
MI 10
SC 9
OK 8

Top Issues

Issue Complaints
Attempts to collect debt not owed 189
Written notification about debt 82
Communication tactics 80
False statements or representation 61
Cont'd attempts collect debt not owed 61
Took or threatened to take negative or legal action 26
Incorrect information on your report 20
Improper use of your report 17
Improper contact or sharing of info 17
Threatened to contact someone or share information improperly 14
Disclosure verification of debt 13
Electronic communications 9
Problem with a company's investigation into an existing problem 7
Problem with a credit reporting company's investigation into an existing problem 6
Charged upfront or unexpected fees 2
Closing your account 2
Getting a credit card 2
Taking/threatening an illegal action 2
Problem caused by your funds being low 2
Problem with a lender or other company charging your account 1

Yearly Trend

Year Complaints Timely
2013 17 76.5%
2014 33 100%
2015 36 100%
2016 26 96.2%
2017 17 94.1%
2018 26 100%
2019 13 100%
2020 33 100%
2021 44 100%
2022 30 100%
2023 51 100%
2024 73 100%
2025 141 100%
2026 81 100%

Source: CFPB Consumer Complaint Database

Monarch Recovery Holdings, Inc. filings cluster in one product

Monarch Recovery Holdings, Inc.'s 621 logged complaints reach a nationwide footprint - 46 states have at least one filing. Only 38.8% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2013 through 2026-06-26.

Monarch Recovery Holdings, Inc. answers 99% of complaints inside the CFPB's tracked window and closes 95.5% with a written explanation. 4.3% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Attempts to collect debt not owed."

A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Monarch Recovery Holdings, Inc..

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainComplaint-derived comparison paths for Monarch Recovery Holdings, Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest companies by total CFPB complaints. This record: 621.

4 peers

Similar timely response rate

Nearest companies by CFPB 15-day timely-response %. This record: 99%.

4 peers

Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.

Data sourced from official public datasets for Monarch Recovery Holdings, Inc. (99% timely; 4.3% relief). methodology.

Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration