What is the most common complaint against Account Recovery Services, Inc.?

The most common issue consumers report about Account Recovery Services, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 33 complaints filed with the CFPB.

Are complaints against Account Recovery Services, Inc. increasing or decreasing?

Complaints against Account Recovery Services, Inc. are falling. The company received 4 complaints in the last 12 months, showing improvement over prior periods.

What is Account Recovery Services, Inc.'s reputation grade?

Account Recovery Services, Inc. has a reputation grade of C (score: 56.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Account Recovery Services, Inc. respond to consumer complaints?

Account Recovery Services, Inc. has a 94% timely response rate to CFPB complaints. Consumers disputed the company's response in 33% of cases.

In how many states does Account Recovery Services, Inc. operate?

Account Recovery Services, Inc. has received CFPB complaints from consumers in 10 states, with the most complaints from Arizona (17 complaints).

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

Account Recovery Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 10 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

12
Cont'd attempts collect debt not owed

5
Communication tactics

4
Disclosure verification of debt

4
Written notification about debt

3
False statements or representation

3

Data updated September 2026

CFPB complaint disposition

CCDB record account-recovery-services-inc Account Recovery Services, Inc.

Grade C · 33 CFPB filings · 94% timely · lead issue: Attempts to collect debt not owed · vol #1460 · compose #3081

VOL 33
GRADE C
12MO 4
STATES 10
TIMELY 94%
DISPUTE 33%
ISSUE Attempts to collect debt n…
RANK #1,460
COMPOSE #3,081

Volume peers

Nearest volume peer: Ashton & Weinberg, Inc. (33 complaints)

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

Account Recovery Services, Inc.'s 33 CFPB complaints sit next to Ashton & Weinberg, 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 →

State-heavy filing map

51.5% of Account Recovery Services, Inc.'s CFPB filings land in Arizona

High volume does not equal a clean composite: Account Recovery Services, Inc. is volume #1,460 but composite #3,081, while Arizona dominates the geography. Corpus placement method.

Dominant state: Arizona 51.5%; 17 of 33 filings · 10 states touched
Spike month: 2025-06 100.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #1,460 volume; #3,081 composite; Cleanest-composite ladder is 1,621 places worse than volume

How does Account Recovery Services, Inc. compare to its peers?

How does Account Recovery Services, 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

Account Recovery Servi… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

94%

77%

91%

Consumer-dispute ratelower is better

33%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2025-06 2025-06

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	12
Cont'd attempts collect debt not owed	5
Communication tactics	4
Disclosure verification of debt	4
Written notification about debt	3
False statements or representation	3
Took or threatened to take negative or legal action	2

Where do complaints against Account Recovery Services, Inc. come from?

Account Recovery Services, Inc.'s own per-state count, not a national baseline.

Arizona

17
California

4
Texas

3
Nevada

2
Ohio

2
Florida

1
New York

1
Oregon

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Account Recovery Services, 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: 33.

4 peers

Know your rights before responding to Account Recovery Services, 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.