This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade F 160 complaints

A & O Recovery Solutions, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 30 states, reputation grade F.

Complaints by issue type

What consumers report about A & O Recovery Solutions, LLC

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record a-o-recovery-solutions-llc A & O Recovery Solutions, LLC

Grade F · 160 CFPB filings · 0% timely · lead issue: Took or threatened to take negative or legal action

  • VOL 160
  • GRADE F
  • 12MO 95
  • STATES 30
  • TIMELY 0%
  • DISPUTE 0%
  • ISSUE Took or threatened to take…
  • RANK #632
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Collection Professionals, Inc. (160 complaints)

Debt Co LLCDebt Co LLC159Heartland Payment Systems IncHeartland Payment Systems Inc159Collection Professionals, Inc.Collection Professionals, In…160A & O Recovery Solutions, LLC (this)A & O Recovery Solutions, LL…160Collections USA, Inc.Collections USA, Inc.161
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

A & O Recovery Solutions, LLC's 160 CFPB complaints sit next to Collection Professionals, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 160 complaints break down

Every complaint issue type on record for A & O Recovery Solutions, LLC, not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
26.8/100
A & O Recovery Solutions, LLC

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
160
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response F
0%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
0%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

Georgia is the plurality state for A & O Recovery Solutions, LLC (23.1%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
Georgia 23.1%
Mid-band (15–30%) · 30 states with ≥1 filing
Seasonal peak
2025-10 9.0%
8–15% band · 25 filings
Corpus ranks
#632 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does A & O Recovery Solutions, LLC compare to its peers?

How does A & O Recovery Solutions, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
A & O Recovery Solutions, LLC National average
Complaints (last 12 mo)lower is better
95
53
268
Timely-response ratehigher is better
0%
98%
91%
Consumer-dispute ratelower is better
0%
38%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy A & O Recovery Solutions, LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 7 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 0%50%100%150% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) A & O Recovery Solutions, LLC vs. 6 similar-volume peers, by response speed and dispute rate A & O Recovery Solutions, LLCCollection Professionals, Inc.COLLECTIONS USA, INC.HEARTLAND PAYMENT SYSTEMS INCWLCCValentine and Kebartas, Inc.Financial Corporation of America
Source: CFPB Consumer Complaint Database

A & O Recovery Solutions, LLC's complaint volume in context

A & O Recovery Solutions, LLC vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

160 Top 12% higher than 88% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). This entry sits in this band. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. A & O Recovery Solutions, LLC 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Took or threatened to take negative or legal action
61
Attempts to collect debt not owed
60
Written notification about debt
16
Communication tactics
8
False statements or representation
6
Cont'd attempts collect debt not owed
4
Electronic communications
3
Improper contact or sharing of info
1
Taking/threatening an illegal action
1

Where do complaints against A & O Recovery Solutions, LLC come from?

A & O Recovery Solutions, LLC's own per-state count, not a national baseline.

Top states by complaints against A & O Recovery Solutions, LLC

Across 30 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for A & O Recovery Solutions, LLC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 160.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 0%.

4 peers

Know your rights before responding to A & O Recovery Solutions, LLC: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.