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

Data updated July 2026

F

Grade F · 30.0/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: A & O Recovery Solutions, LLC ranks ahead of 1% of the 5,283 collectors PlainCollector grades - 99% keep a cleaner CFPB record, on 160 all-time complaints and a 0% timely-response rate.

1st pct
reputation rank of 5,283 graded collectors
160
CFPB complaints, all-time
0%
answered inside the CFPB window
95
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about A & O Recovery Solutions, LLC?

A & O Recovery Solutions, LLC has accumulated 160 total CFPB complaints across 30 states, with 95 filed in the most recent 12 months against 65 historical complaints before that window. The trailing-12-month volume represents 59.4% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged". The company posts a 0% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 30 states, led by Georgia with 37 and California with 33. Normalized against the full CFPB collector database, the reputation score of 30.0/100 places A & O Recovery Solutions, LLC in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

160

mid-volume (CCDB)

Last 12 months

95

59.4% of all-time complaints

Rising ↑

States active

30

multi-region footprint

Timely response rate

0%

below sla band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

F

30.0/100 composite

How does A & O Recovery Solutions, LLC's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

30 Bottom 1% higher than 1% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). This entry sits in this band. 30–40: 160 graded collectors (3%). Above this entry. 40–50: 583 graded collectors (11%). Above this entry. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

A & O Recovery Solutions, LLC versus the debt-collection vertical average.

Timely response within SLA 0.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 0.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 53.6%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
A & O Recovery Solutio… 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.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if A & O Recovery Solutions, LLC contacts you

A grade of F signals how A & O Recovery Solutions, LLC's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really A & O Recovery Solutions, LLC and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how A & O Recovery Solutions, LLC ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against A & O Recovery Solutions, LLC? ▼

The most common issue consumers report about A & O Recovery Solutions, LLC is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 160 complaints filed with the CFPB.

Are complaints against A & O Recovery Solutions, LLC increasing or decreasing? ▼

Complaints against A & O Recovery Solutions, LLC are rising. The company received 95 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is A & O Recovery Solutions, LLC's reputation grade? ▼

A & O Recovery Solutions, LLC has a reputation grade of F (score: 30.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does A & O Recovery Solutions, LLC respond to consumer complaints? ▼

A & O Recovery Solutions, LLC has a 0% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does A & O Recovery Solutions, LLC operate? ▼

A & O Recovery Solutions, LLC has received CFPB complaints from consumers in 30 states, with the most complaints from Georgia (37 complaints).

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

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.