Total CFPB complaints
55
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 55 complaints
Advanced Recovery Systems, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 9 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Advanced Recovery Systems, Inc.
- Written notification about debt
Written notification about debt
14 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
13 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
6 complaints
- False statements or representation 4
False statements or representation
4 complaints
- Took or threatened to take negative or legal action 4
Took or threatened to take negative or legal action
4 complaints
- Communication tactics 3
Communication tactics
3 complaints
D
Grade D · 58.6/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Advanced Recovery Systems, Inc.?
Advanced Recovery Systems, Inc. has accumulated 55 total CFPB complaints across 9 states, with 10 filed in the most recent 12 months against 45 historical complaints before that window. The trailing-12-month volume represents 18.2% 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 "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 73% timely-response rate against a 0% 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 9 states, led by Mississippi with 40 and Louisiana with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.6/100 places Advanced Recovery Systems, Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
10
18.2% of total history
Rising ↑
States active
9
Distinct state filings
Timely response rate
73%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
D
58.6/100 composite
Response-quality profile
How Advanced Recovery Systems, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 72.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 16.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Advanced Recovery Systems, Inc. compare to its peers?
Advanced Recovery Syst… 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)
2020-12 2026-02
Top Consumer Issues
Written notification about debt14 (%)
Attempts to collect debt not owed13 (%)
False statements or representation4 (%)
Cont'd attempts collect debt not owed6 (%)
Communication tactics3 (%)
Took or threatened to take negative or legal action4 (%)
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 | 10 |
| False statements or representation | Attempted to collect wrong amount | 4 |
| Cont'd attempts collect debt not owed | Debt is not mine | 4 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
| Attempts to collect debt not owed | Debt was paid | 3 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 3 |
| Cont'd attempts collect debt not owed | Debt was paid | 2 |
| Took or threatened to take negative or legal action | Sued you in a state where you do not live or did not sign for the debt | 2 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 2 |
Where do complaints against Advanced Recovery Systems, Inc. come from?
The states where consumers have filed the most CFPB complaints against Advanced Recovery Systems, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Advanced Recovery Systems, Inc.
Across 9 states with at least one filing
- Mississippi
Mississippi
40 complaints
- Louisiana 4
Louisiana
4 complaints
- Tennessee 3
Tennessee
3 complaints
- Texas 2
Texas
2 complaints
- South Carolina 1
South Carolina
1 complaints
- Florida 1
Florida
1 complaints
- Indiana 1
Indiana
1 complaints
- Wyoming 1
Wyoming
1 complaints
Frequently Asked Questions
What is the most common complaint against Advanced Recovery Systems, Inc.? ▼
The most common issue consumers report about Advanced Recovery Systems, Inc. is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 55 complaints filed with the CFPB.
Are complaints against Advanced Recovery Systems, Inc. increasing or decreasing? ▼
Complaints against Advanced Recovery Systems, Inc. are rising. The company received 10 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Advanced Recovery Systems, Inc.'s reputation grade? ▼
Advanced Recovery Systems, Inc. has a reputation grade of D (score: 58.6/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Advanced Recovery Systems, Inc. respond to consumer complaints? ▼
Advanced Recovery Systems, Inc. has a 73% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does Advanced Recovery Systems, Inc. operate? ▼
Advanced Recovery Systems, Inc. has received CFPB complaints from consumers in 9 states, with the most complaints from Mississippi (40 complaints).
What can I do if Advanced Recovery Systems, 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 Advanced Recovery Systems, 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 |