What is the most common complaint against A/R Concepts, Inc.?

The most common issue consumers report about A/R Concepts, Inc. is "Cont'd attempts collect debt not owed", specifically "Debt was paid". This is based on 17 complaints filed with the CFPB.

Are complaints against A/R Concepts, Inc. increasing or decreasing?

Complaints against A/R Concepts, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is A/R Concepts, Inc.'s reputation grade?

A/R Concepts, Inc. has a reputation grade of B (score: 66.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does A/R Concepts, Inc. respond to consumer complaints?

A/R Concepts, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 18% of cases.

In how many states does A/R Concepts, Inc. operate?

A/R Concepts, Inc. has received CFPB complaints from consumers in 3 states, with the most complaints from Illinois (15 complaints).

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

A/R Concepts, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 3 states, reputation grade B.

Compiled by PlainCollector

Cont'd attempts collect debt not owed

6
Written notification about debt

3
Disclosure verification of debt

3
Attempts to collect debt not owed

1
Took or threatened to take negative or legal action

1
Communication tactics

1

Data updated September 2026

CFPB complaint disposition

CCDB record a-r-concepts-inc A/R Concepts, Inc.

Grade B · 17 CFPB filings · 100% timely · lead issue: Cont'd attempts collect debt not owed · vol #2001 · compose #1654

VOL 17
GRADE B
12MO 0
STATES 3
TIMELY 100%
DISPUTE 18%
ISSUE Cont'd attempts collect de…
RANK #2,001
COMPOSE #1,654

Volume peers

Nearest volume peer: Academy Mortgage Corporation (17 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

A/R Concepts, Inc.'s 17 CFPB complaints sit next to Academy Mortgage Corporation 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 →

State-heavy filing map

88.2% of A/R Concepts, Inc.'s CFPB filings land in Illinois

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state: Illinois 88.2%; 15 of 17 filings · 3 states touched
Spike month: 2024-07 25.0%; 1 filings that month · spiky (≥15% of series)
Corpus ranks: #2,001 volume; #1,654 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does A/R Concepts, Inc. compare to its peers?

How does A/R CONCEPTS, INC. 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/R CONCEPTS, INC. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

18%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-07 2025-07

Issue Detail Breakdown

Issue	Complaints
Cont'd attempts collect debt not owed	6
Written notification about debt	3
Disclosure verification of debt	3
Attempts to collect debt not owed	1
Took or threatened to take negative or legal action	1
Communication tactics	1
Threatened to contact someone or share information improperly	1
Improper contact or sharing of info	1

Where do complaints against A/R Concepts, Inc. come from?

A/R Concepts, Inc.'s own per-state count, not a national baseline.

Illinois

15
Texas

1
Washington

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for A/R Concepts, Inc.: 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: 17.

4 peers

Know your rights before responding to A/R Concepts, Inc.: 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.