Total CFPB complaints
47
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 47 complaints
Account Recovery Specialists, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 6 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Account Recovery Specialists, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
12 complaints
- Written notification about debt
Written notification about debt
11 complaints
- Disclosure verification of debt
Disclosure verification of debt
5 complaints
- False statements or representation 4
False statements or representation
4 complaints
- Took or threatened to take negative or legal action 2
Took or threatened to take negative or legal action
2 complaints
- Communication tactics 2
Communication tactics
2 complaints
C
Grade C · 59.9/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Account Recovery Specialists, Inc.?
Account Recovery Specialists, Inc. has accumulated 47 total CFPB complaints across 6 states, with 2 filed in the most recent 12 months against 45 historical complaints before that window. The trailing-12-month volume represents 4.3% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 87% timely-response rate against a 18% 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 6 states, led by Kansas with 38 and Oklahoma 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 59.9/100 places Account Recovery Specialists, 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
4.3% of total history
Falling ↓
States active
6
Distinct state filings
Timely response rate
87%
Within CFPB SLA window
Consumer disputes
18%
After company response
Reputation grade
C
59.9/100 composite
Response-quality profile
How Account Recovery Specialists, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 87.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 36.4%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 10.7%
Share of US states + territories with at least one filed complaint against this collector.
How does Account Recovery Specialists, Inc. compare to its peers?
Account Recovery Speci… 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)
2019-02 2025-08
Top Consumer Issues
Written notification about debt11 (%)
Attempts to collect debt not owed12 (%)
False statements or representation4 (%)
Disclosure verification of debt5 (%)
Took or threatened to take negative or legal action2 (%)
Communication tactics2 (%)
Taking/threatening an illegal action1 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
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 |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 11 |
| Attempts to collect debt not owed | Debt is not yours | 7 |
| False statements or representation | Attempted to collect wrong amount | 4 |
| Disclosure verification of debt | Not given enough info to verify debt | 3 |
| Attempts to collect debt not owed | Debt was paid | 3 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 2 |
| Attempts to collect debt not owed | Debt was result of identity theft | 2 |
| Disclosure verification of debt | Right to dispute notice not received | 2 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 2 |
| Taking/threatening an illegal action | Attempted to/Collected exempt funds | 1 |
Where do complaints against Account Recovery Specialists, Inc. come from?
The states where consumers have filed the most CFPB complaints against Account Recovery Specialists, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Account Recovery Specialists, Inc.
Across 6 states with at least one filing
- Kansas
Kansas
38 complaints
- Oklahoma 3
Oklahoma
3 complaints
- Florida 2
Florida
2 complaints
- Texas 1
Texas
1 complaints
- Illinois 1
Illinois
1 complaints
- Colorado 1
Colorado
1 complaints
Frequently Asked Questions
What is the most common complaint against Account Recovery Specialists, Inc.? ▼
The most common issue consumers report about Account Recovery Specialists, Inc. is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 47 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 2 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: 59.9/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 (38 complaints).
What can I do if Account Recovery Specialists, 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 Specialists, 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 |