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

The most common issue consumers report about Account Recovery Specialists, Inc. is "Attempts to collect debt not owed", specifically "Didn't receive enough information to verify debt". This is based on 49 complaints filed with the CFPB.

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

Complaints against Account Recovery Specialists, Inc. are falling. The company received 3 complaints in the last 12 months, showing improvement over prior periods.

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

Account Recovery Specialists, Inc. has a reputation grade of C (score: 56.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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

Account Recovery Specialists, Inc. has a 87% timely response rate to CFPB complaints. Consumers disputed the company's response in 18% of cases.

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

Account Recovery Specialists, Inc. has received CFPB complaints from consumers in 6 states, with the most complaints from Kansas (39 complaints).

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

Account Recovery Specialists, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 6 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

13
Written notification about debt

12
False statements or representation

6
Took or threatened to take negative or legal action

5
Disclosure verification of debt

5
Communication tactics

4

Data updated September 2026

CFPB complaint disposition

CCDB record account-recovery-specialists-inc Account Recovery Specialists, Inc.

Grade C · 49 CFPB filings · 87% timely · lead issue: Attempts to collect debt not owed · vol #1196 · compose #3125

VOL 49
GRADE C
12MO 3
STATES 6
TIMELY 87%
DISPUTE 18%
ISSUE Attempts to collect debt n…
RANK #1,196
COMPOSE #3,125

Volume peers

Nearest volume peer: BQ & Associates, P.C., L.L.O. (49 complaints)

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

Account Recovery Specialists, Inc.'s 49 CFPB complaints sit next to BQ & Associates, P.C., L.L.O. 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

79.6% of Account Recovery Specialists, Inc.'s CFPB filings land in Kansas

High volume does not equal a clean composite: Account Recovery Specialists, Inc. is volume #1,196 but composite #3,125, while Kansas dominates the geography. Corpus placement method.

Dominant state: Kansas 79.6%; 39 of 49 filings · 6 states touched
Seasonal peak: 2021-04 12.5%; 8–15% band · 1 filings
Divergent corpus ranks: #1,196 volume; #3,125 composite; Cleanest-composite ladder is 1,929 places worse than volume

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

How does Account Recovery Specialists, 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 Speci… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

87%

91%

Consumer-dispute ratelower is better

18%

30%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-04 2026-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	13
Written notification about debt	12
False statements or representation	6
Took or threatened to take negative or legal action	5
Disclosure verification of debt	5
Communication tactics	4
Taking/threatening an illegal action	2
Cont'd attempts collect debt not owed	1
Threatened to contact someone or share information improperly	1

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

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

Kansas

39
Oklahoma

4
Florida

2
Colorado

1
Illinois

1
Texas

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Account Recovery Specialists, 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: 49.

4 peers

Know your rights before responding to Account Recovery Specialists, 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.