Compass Recovery Group, LLC is a third-party collection agency in the Buffalo, New York suburb of Depew. If it contacts you, a creditor has placed an unpaid account with it for collection.
- Type
- Collection agency
- Also known as
- Compass Recovery Group, LLC
- Headquarters
- Depew, NY
- Phone numbers it lists
- (888) 765-3854
- Website
- compassrecoverygroup.com
30 debt collection complaints were sent to the Consumer Financial Protection Bureau about Compass Recovery Group, LLC from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Compass Recovery Group?
Compass Recovery Group, LLC calls itself "a professional Receivables & Collections Management Firm." Its mailing address is 3135 Walden Avenue, Suite 4, Depew, New York 14043, and its phone number is (888) 765-3854. The compliance department can be reached at extension 525 or [email protected]. The site identifies its messages as communications from a debt collector, and it runs an online account and payment portal at portal.crgnyllc.com.
The company says it is licensed, bonded and insured. It also says new collectors complete a 40-hour training course, including the FDCPA and the Fair Credit Reporting Act, followed by a 90-day mentoring period. Its site doesn't list individual state license numbers, its owners or a founding date, and we haven't added those details from other sources.
Why Compass Recovery Group May Be Contacting You
Compass offers a "full-service" collection program for creditors at every stage of delinquency. It does not publish a list of clients or the kinds of accounts it handles. So the only reliable way to know what a Compass letter is about is to read it: the validation notice must name the creditor the debt is owed to now, and on request the original creditor.
Letters from an agency you've never heard of often concern an older account that the original company passed along after you stopped paying, or a final bill you didn't know about. If the creditor's name means nothing to you, our page on how to dispute a debt with a collector walks through the next step.
How to Check a Debt Compass Recovery Group Says You Owe
Because the company's site gives no hint of the creditor, your first goal is to tie the account to a specific transaction.
- Get the validation notice. Federal law requires the creditor's name, an itemization of the balance since a fixed date, and your dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). If Compass called before you got one, ask that it be mailed or emailed.
- Dispute in writing before the deadline if you don't recognize the account, and ask for the original creditor's name and address. Compass must stop collecting until it sends verification.
- Don't pay through an unfamiliar link. Use the address and portal listed on the company's own site or your letter.
- Look up the default date. Texas generally allows four years to sue (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue on time-barred consumer debt (Tex. Fin. Code § 392.307). New York and other states have their own limits, and a payment may affect them, so check before paying on an old account.
What Compass Recovery Group Can and Can't Do
A company collecting consumer debts for others is a "debt collector" under 15 U.S.C. § 1692a(6). That means Compass:
- Must give you the dispute information described above and honor a timely written dispute (15 U.S.C. § 1692g(b)).
- May not report a debt to a credit bureau before it has contacted you about it (12 C.F.R. § 1006.30(a)).
- May not email you at an address it knows your employer provided, and must give you a way to opt out of texts and emails (12 C.F.R. §§ 1006.22(f)(3), 1006.6(e)); see Can debt collectors text or email me?
- Must stop contacting you if you ask in writing, apart from limited notices (15 U.S.C. § 1692c(c)).
We did not find a CFPB enforcement action against Compass Recovery Group.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Compass Recovery Group or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Compass Recovery Group: home page
- Compass Recovery Group: Contact us
- Compass Recovery Group: Compliance
- CFPB enforcement actions (full list reviewed)
- CFPB Consumer Complaint Database: Compass Recovery Group, LLC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Compass Recovery Group has violated any law. Company details change; tell us if something here is out of date.