CFPB · Single-product concentration
SMS Check Recovery LLC
7 CFPB complaints · 100% in "Debt collection" · top issue Taking/threatening an illegal action.
SMS Check Recovery LLC: 100% of 7 CFPB complaints sit in "Debt collection". Timely 0% · relief 0%. Allegations, not findings.
- Single-product concentration
- 0% filings 2014 to 2018
CFPB relief outcome brief
CCDB company sms-check-recovery-llc
0% relief · 0% timely · 7 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
SMS Check Recovery LLC closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
SMS Check Recovery LLC has 7 filings on record, below the 10-complaint threshold this score requires for a stable percentage. A single additional filing can swing a rate by 10+ points at this volume, so no score is shown rather than an unstable one.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
SMS Check Recovery LLC complaint mix by product
- Debt collection 7 100.0% – 0% relief
How SMS Check Recovery LLC's 7 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 7 |
Concentrated filing states for SMS Check Recovery LLC
Top states by attributed CFPB complaint volume for this company
- Leading state
- OH
- 57.1% of this company's filings
SMS Check Recovery LLC complaints by year
Annual filing volume from the CFPB public database
- 2018
- 1
- 0% vs 2014
Top States
| State | Complaints |
|---|---|
| OH | 4 |
| NE | 1 |
| CA | 1 |
| TX | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Taking/threatening an illegal action | 2 |
| Communication tactics | 2 |
| Took or threatened to take negative or legal action | 2 |
| False statements or representation | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 1 | 0% |
| 2016 | 2 | 0% |
| 2017 | 3 | 0% |
| 2018 | 1 | 0% |
Source: CFPB Consumer Complaint Database
SMS Check Recovery LLC filings cluster in one product
SMS Check Recovery LLC's 7 logged complaints stay concentrated: only 4 states show a filing. 57.1% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2014 through 2018-03-28.
SMS Check Recovery LLC answers 0% of complaints inside the CFPB's tracked window and closes 0% with a written explanation. 0% 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 "Taking/threatening an illegal action."
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 SMS Check Recovery LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for SMS Check Recovery LLC: 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: 7.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 0%.
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 SMS Check Recovery LLC (0% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration