Debt collector · complaint record
S & S Recovery complaints
Filed under S & S Recovery, Inc.
Consumers have filed 188 complaints about S & S Recovery since 2014, 89 of them in the last 12 months (+107% on the year before). It answered 100% on time and closed 0% with relief for the customer - less often than a typical debt collector. The most common problem is attempts to collect debt not owed.
Weak response record. How it works
- Complaints on record
- 188
- Last 12 months
- 89
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 5
- Rank
- #219 of 1,963
Since July 2014
+107% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Nov 10, 2026
Most complained-about debt collectors
S & S Recovery complaints by month
The busiest month was May 2026 (12 complaints). Complaints in the last 12 months are up 107% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How S & S Recovery answered last 12 months
- Closed with explanation89100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers0/400% closed with relief
- Complaint trend0/15+107% vs last year
What S & S Recovery complaints are about
Top S & S Recovery problems last 12 months
Inside "Attempts to collect debt not owed"
- Debt is not yours 44
- Debt was result of identity theft 9
- Debt was paid 3
Where S & S Recovery complaints come from
Most complaints: Texas (114), Mississippi (34), Louisiana (8), Florida (5), Tennessee (5).
S & S Recovery compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Scott Fetzer Financial GroupDebt collection | 50 | 91 | C |
| 2 | AfniDebt collection | 55 | 90 | C |
| 3 | CAC FinancialDebt collection | 7 | 90 | F |
| 4 | Professional FinanceDebt collection | 43 | 90 | D |
| 5 | Johnson Mark P.CDebt collection | 10 | 89 | F |
| 6 | S & S RecoveryDebt collection | 45 | 89 | D |
| 7 | Frost-ArnettDebt collection | 46 | 88 | D |
| 8 | Absolute Recovery ServicesDebt collection | 7 | 87 | F |
Compare side by side: S & S Recovery vs Scott Fetzer Financial Group · S & S Recovery vs Afni · S & S Recovery vs CAC Financial · S & S Recovery vs Professional Finance
What people say about S & S Recovery
All experiencesNo experiences with S & S Recovery yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest S & S Recovery complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 10, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 9, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 4, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 19, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 16, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 9, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 5, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 30, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 23, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 23, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 17, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
Questions about S & S Recovery
How many complaints does S & S Recovery have?
S & S Recovery has 188 complaints on record since July 2014, including 89 in the last 12 months and 5 in the last 30 days. That makes it number 503 of every company by complaints this year.
Does S & S Recovery respond to complaints?
Yes. S & S Recovery answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 45/100 (grade D).
What do people complain about most with S & S Recovery?
The most common problems are attempts to collect debt not owed (56), took or threatened to take negative or legal action (37), incorrect information on your report (20).
Is S & S Recovery legit?
S & S Recovery is a real company with a public complaint record: consumers have complained about it 188 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is S & S Recovery legit? for the signals, red flags and how to protect yourself.
Are complaints about S & S Recovery going up or down?
Up. There were 89 complaints in the last 12 months against 43 in the 12 before (+107%). See every month.
How do I file a complaint against S & S Recovery?
Complain to S & S Recovery in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most S & S Recovery complaints come from?
Most come from Texas (114), Mississippi (34), Louisiana (8). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
Talk about S & S Recovery
No comments yet. Start the conversation - questions are welcome too.