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

CFPB complaint data Grade F 12 complaints

Account Recovery Service, Inc. (WI) - Debt Collector Complaint Profile

CFPB complaint profile across 8 states, reputation grade F.

Complaints by issue type

What consumers report about Account Recovery Service, Inc. (WI)

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

Data updated September 2026

CFPB complaint disposition

CCDB record account-recovery-service-inc-wi Account Recovery Service, Inc. (WI)

Grade F · 12 CFPB filings · 0% timely · lead issue: Attempts to collect debt not owed

  • VOL 12
  • GRADE F
  • 12MO 0
  • STATES 8
  • TIMELY 0%
  • DISPUTE 0%
  • ISSUE Attempts to collect debt n…
  • RANK #2,289
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: 1803 Capital, LLC (12 complaints)

1803 Capital, LLC1803 Capital, LLC12AC AutoPay LLC, Denver, CO BranchAC AutoPay LLC, Denver, CO B…12A.C.S. Companies, Inc. IA.C.S. Companies, Inc. I12Allied Recovery Solutions, Inc.Allied Recovery Solutions, I…12Account Recovery Service, Inc. (WI) (this)Account Recovery Service, In…12
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Account Recovery Service, Inc. (WI)'s 12 CFPB complaints sit next to 1803 Capital, LLC 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 12 complaints break down

Every complaint issue type on record for Account Recovery Service, Inc. (WI), not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
37.7/100
Account Recovery Service, Inc. (WI)

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 C
12
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 B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Spiky monthly series

Illinois is the plurality state for Account Recovery Service, Inc. (WI) (25.0%)

Peak share is this collector's company_monthly maximum divided by its own stored monthly total. Corpus placement method.

Plurality state
Illinois 25.0%
Mid-band (15–30%) · 8 states with ≥1 filing
Spike month
2023-05 100.0%
1 filings that month · spiky (≥15% of series)
Corpus ranks
#2,289 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Account Recovery Service, Inc. (WI) compare to its peers?

How does Account Recovery Service, Inc. (WI) compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Account Recovery Service, Inc. (WI) National average
Complaints (last 12 mo)lower is better
0
0
268
Timely-response ratehigher is better
0%
42%
91%
Consumer-dispute ratelower is better
0%
0%
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 Account Recovery Service, Inc. (WI) a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 6 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%20%40%60% Timely response rate (%) Dispute rate (%) Account Recovery Service, Inc. (WI) vs. 5 similar-volume peers, by response speed and dispute rate Account Recovery Service, Inc. (WI)AC AutoPay LLC, Denver, CO BranchA.C.S. Companies, Inc. IAmerican Finance LLCAsset Recovery IncAtlas Services, Inc.
Source: CFPB Consumer Complaint Database

Account Recovery Service, Inc. (WI)'s complaint volume in context

Account Recovery Service, Inc. (WI) 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)

12 58th percentile higher than 58% of 5,420 collectors

0–20: 3,504 collectors (65%). This entry sits in this band. 20–40: 565 collectors (10%). Above this entry. 40–60: 260 collectors (5%). Above this entry. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Account Recovery Service, Inc. (WI) 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)

Falling ↓
2023-05 2023-05

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
3
Cont'd attempts collect debt not owed
3
Communication tactics
2
Disclosure verification of debt
2
Written notification about debt
1
False statements or representation
1

Where do complaints against Account Recovery Service, Inc. (WI) come from?

Account Recovery Service, Inc. (WI)'s own per-state count, not a national baseline.

Top states by complaints against Account Recovery Service, Inc. (WI)

Across 8 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 Account Recovery Service, Inc. (WI): 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: 12.

4 peers

Know your rights before responding to Account Recovery Service, Inc. (WI): 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.