Recuvery: Who They Are and Your Rights

Type

Collection agency

Also known as

Recuvery LLC

Headquarters

Irvine, CA

Collects

rent, utility bills, dental bills, medical bills, legal fees, contractor bills, commercial accounts

Phone numbers it lists

(833) 904-7001

Website

recuvery.com

62 debt collection complaints were sent to the Consumer Financial Protection Bureau about Recuvery 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 Recuvery?

Recuvery LLC describes itself as an automated debt collection platform for businesses. It combines collection software, staff services and a consumer-facing app where people can set up their own payment plans. The company says it reports positive payments to the credit bureaus. Its published support line is (833) 904-7001.

Recuvery is a California limited liability company. California's Department of Financial Protection and Innovation (DFPI) licenses it as a debt collector under the Debt Collection Licensing Act (license No. 11507-99), and the DFPI's 2025 order gives its principal place of business as 1 Technology Drive in Irvine, California.

Why Recuvery May Be Contacting You

Recuvery lists the industries it collects for as rent, utilities, commercial accounts, dental, real estate, legal, contractor and medical. In practice, that could mean a balance a former landlord says you owe after move-out, a final utility bill, an unpaid dental or medical bill, or a bill from a lawyer or contractor. Because the service is app-based, the first contact may come by text or email with a link to a payment portal rather than by phone.

Be cautious with links. If a message names Recuvery, you can go to the company's site directly instead of tapping a link, and you can ask for a written validation notice before paying anything.

How to Check a Debt Recuvery Says You Owe

• Get the validation information. A collector must give it in its first message or within five days (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). It may arrive electronically if the collector follows Regulation F's e-delivery rules.
• For rent balances, compare the move-out charges with your lease and move-out records. Ask for the ledger, the move-out inspection and an explanation of how your security deposit was applied.
• For dental or medical bills, ask for an itemized statement and check it against what your insurer paid.
• Dispute in writing within the validation period if the amount is wrong or the debt isn't yours. Collection must pause until verification is sent.
• Check the date of the last payment or charge. In Texas, most debt suits must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer may not sue on a time-barred consumer debt (Tex. Fin. Code § 392.307). Other states have their own limits.

What Recuvery Can and Can't Do

As a company that collects consumer debts owed to other businesses, Recuvery is a "debt collector" under 15 U.S.C. § 1692a(6) when it collects personal, family or household debts. Business debts are outside the FDCPA. For consumer accounts:

• Every text or email must give you a clear, simple way to opt out of that channel (12 C.F.R. § 1006.6(e)).
• It may not send electronic messages to a work email address or post about your debt where others can see it (12 C.F.R. § 1006.22(f)).
• It may not report a debt to a credit bureau before it has contacted you (12 C.F.R. § 1006.30(a)).
• It may not add fees, such as payment-processing charges, unless your agreement or the law allows them (15 U.S.C. § 1692f(1)).

We did not find a CFPB enforcement action against Recuvery. California's DFPI issued a desist and refrain order on April 1, 2025, alleging that Recuvery had not filed its 2024 annual report under the Debt Collection Licensing Act by the March 15, 2025 deadline. The May 8, 2025 settlement agreement recites that the report was filed on March 25, 2025, makes the desist and refrain order final, and requires a $2,000 administrative penalty. See whether collectors can text or email you, or our FDCPA attorneys page.

Government Actions on the Public Record

• California DFPI settlement agreement (late DCLA annual report; $2,000 penalty) (2025-05-08)
• California DFPI desist and refrain order (alleged late DCLA annual report) (2025-04-01)

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 Recuvery 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

• Recuvery: home page
• California DFPI: Recuvery LLC enforcement actions
• California DFPI: Recuvery LLC desist and refrain order
• California DFPI: Recuvery LLC settlement agreement
• CFPB enforcement actions (full list reviewed)
• CFPB Consumer Complaint Database: Recuvery LLC, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Recuvery has violated any law. Company details change; tell us if something here is out of date.