Total CFPB complaints
31
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 31 complaints
Account Recovery Services, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 10 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Account Recovery Services, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
9 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
5 complaints
- False statements or representation 3
False statements or representation
3 complaints
- Disclosure verification of debt 3
Disclosure verification of debt
3 complaints
- Communication tactics 3
Communication tactics
3 complaints
- Written notification about debt 2
Written notification about debt
2 complaints
C
Grade C · 60.4/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Account Recovery Services, Inc.?
Account Recovery Services, Inc. has accumulated 31 total CFPB complaints across 10 states, with 2 filed in the most recent 12 months against 29 historical complaints before that window. The trailing-12-month volume represents 6.5% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 94% timely-response rate against a 33% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 10 states, led by Arizona with 16 and Texas with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 60.4/100 places Account Recovery Services, Inc. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
2
6.5% of total history
Rising ↑
States active
10
Distinct state filings
Timely response rate
94%
Within CFPB SLA window
Consumer disputes
33%
After company response
Reputation grade
C
60.4/100 composite
Response-quality profile
How Account Recovery Services, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 93.5%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 66.7%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 17.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Account Recovery Services, Inc. compare to its peers?
Account Recovery Servi… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2014-03 2025-09
Top Consumer Issues
Attempts to collect debt not owed9 (%)
Cont'd attempts collect debt not owed5 (%)
False statements or representation3 (%)
Disclosure verification of debt3 (%)
Written notification about debt2 (%)
Communication tactics3 (%)
Took or threatened to take negative or legal action2 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 5 |
| Attempts to collect debt not owed | Debt was result of identity theft | 4 |
| Cont'd attempts collect debt not owed | Debt is not mine | 3 |
| False statements or representation | Attempted to collect wrong amount | 3 |
| Disclosure verification of debt | Not given enough info to verify debt | 3 |
| Written notification about debt | Didn't receive enough information to verify debt | 2 |
| Communication tactics | Used obscene, profane, or other abusive language | 2 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 2 |
| Cont'd attempts collect debt not owed | Debt was paid | 2 |
| Communication tactics | Frequent or repeated calls | 1 |
Where do complaints against Account Recovery Services, Inc. come from?
The states where consumers have filed the most CFPB complaints against Account Recovery Services, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Account Recovery Services, Inc.
Across 10 states with at least one filing
- Arizona
Arizona
16 complaints
- Texas 3
Texas
3 complaints
- California 3
California
3 complaints
- Ohio 2
Ohio
2 complaints
- Nevada 2
Nevada
2 complaints
- Virginia 1
Virginia
1 complaints
- Oregon 1
Oregon
1 complaints
- Florida 1
Florida
1 complaints
Frequently Asked Questions
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 31 complaints filed with the CFPB.
Are complaints against Account Recovery Services, Inc. increasing or decreasing? ▼
Complaints against Account Recovery Services, Inc. are rising. The company received 2 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Account Recovery Services, Inc.'s reputation grade? ▼
Account Recovery Services, Inc. has a reputation grade of C (score: 60.4/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 (16 complaints).
What can I do if Account Recovery Services, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Account Recovery Services, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |