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

CFPB complaint data Grade D 62 complaints

Advanced Recovery Systems, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 9 states, reputation grade D.

Complaints by issue type

What consumers report about Advanced Recovery Systems, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 58.6/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Advanced Recovery Systems, Inc. ranks ahead of 37% of the 5,283 collectors PlainCollector grades - 63% keep a cleaner CFPB record, on 62 all-time complaints and a 73% timely-response rate.

37th pct
reputation rank of 5,283 graded collectors
62
CFPB complaints, all-time
73%
answered inside the CFPB window
15
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Advanced Recovery Systems, Inc.?

Advanced Recovery Systems, Inc. has accumulated 62 total CFPB complaints across 9 states, with 15 filed in the most recent 12 months against 47 historical complaints before that window. The trailing-12-month volume represents 24.2% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Didn't receive enough information to verify debt". The company posts a 73% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 9 states, led by Mississippi with 44 and Louisiana with 5. Normalized against the full CFPB collector database, the reputation score of 58.6/100 places Advanced Recovery Systems, Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

62

low-volume (CCDB)

Last 12 months

15

24.2% of all-time complaints

Stable →

States active

9

regional footprint

Timely response rate

73%

below sla band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

D

58.6/100 composite

How does Advanced Recovery Systems, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

59 37th percentile higher than 37% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Advanced Recovery Systems, Inc. versus the debt-collection vertical average.

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?

How does Advanced Recovery Systems, Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Advanced Recovery Syst… National average
Complaints (last 12 mo)lower is better
15
1
268
Timely-response ratehigher is better
73%
100%
91%
Consumer-dispute ratelower is better
0%
14%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-10 2023-10

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 18
Written notification about debt - 17
Took or threatened to take negative or legal action - 7
Cont'd attempts collect debt not owed - 6
Communication tactics - 5
False statements or representation - 4
Improper contact or sharing of info - 2
Taking/threatening an illegal action - 2
Disclosure verification of debt - 1

Where do complaints against Advanced Recovery Systems, Inc. come from?

Advanced Recovery Systems, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Advanced Recovery Systems, Inc.

Across 9 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Advanced Recovery Systems, Inc. contacts you

A grade of D signals how Advanced Recovery Systems, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Advanced Recovery Systems, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Advanced Recovery Systems, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 "Attempts to collect debt not owed", specifically "Didn't receive enough information to verify debt". This is based on 62 complaints filed with the CFPB.

Are complaints against Advanced Recovery Systems, Inc. increasing or decreasing? ▼

Complaints against Advanced Recovery Systems, Inc. have been stable. The company received 15 complaints in the last 12 months.

What is Advanced Recovery Systems, Inc.'s reputation grade? ▼

Advanced Recovery Systems, Inc. has a reputation grade of D (score: 58.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 (44 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.