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

CFPB complaint data Grade C 49 complaints

Account Recovery Specialists, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 6 states, reputation grade C.

Complaints by issue type

What consumers report about Account Recovery Specialists, Inc.

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

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 49
  • GRADE C
  • 12MO 3
  • STATES 6
  • TIMELY 87%
  • DISPUTE 18%
  • ISSUE Attempts to collect debt n…
  • RANK #1,196
  • COMPOSE Not ranked

Volume peers

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

BQ & Associates, P.C., L.L.O.BQ & Associates, P.C., L.L.O.49CDI Affiliated Services, Inc.CDI Affiliated Services, Inc.49Certified Services, Inc.Certified Services, Inc.49Coastline Financial Resources, LLCCoastline Financial Resource…49Account Recovery Specialists, Inc. (this)Account Recovery Specialists…49
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 →

How the 49 complaints break down

Every complaint issue type on record for Account Recovery Specialists, Inc., not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
56.1/100
Account Recovery Specialists, Inc.

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 D
49
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
87%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
18%
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.

State-heavy filing map

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

Concentration is computed from this collector's company_states rows only, not a national baseline. 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
Corpus ranks
#1,196 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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 Specialists, Inc. National average
Complaints (last 12 mo)lower is better
3
6
268
Timely-response ratehigher is better
87%
91%
91%
Consumer-dispute ratelower is better
18%
30%
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 Specialists, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 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 20%40%60%80%100%120% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) Account Recovery Specialists, Inc. vs. 8 similar-volume peers, by response speed and dispute rate Account Recovery Specialists, Inc.BQ & Associates, P.C., L.L.O.CDI Affiliated Services, Inc.Certified Services, Inc.Coastline Financial Resources, LLCCollection Management Services, Inc.Gragil Associates, Inc.Kenneth, Eisen & Associates, LTD.MIDCOUNTRY FINANCIAL CORP
Source: CFPB Consumer Complaint Database

Account Recovery Specialists, Inc.'s complaint volume in context

Account Recovery Specialists, Inc. 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)

49 Top 22% higher than 78% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). This entry sits in this band. 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 Specialists, Inc. 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 ↓
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.

Top states by complaints against Account Recovery Specialists, Inc.

Across 6 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 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.