"You could recover your money" refers to a future possibility not a past action or possibility.
"You could have recovered your money" refers to not a past action but rather to something that could have been done in the past.. The English is confusing , however much the hint says it is a past action.
Usted ________ su dinero.You could recover your money.(HINT: It refers to a past action)debe recuperarha podido recuperarha recuperadopudo recuperardebería recuperar