What is the most common complaint against American Recovery Service Incorporated?

The most common issue consumers report about American Recovery Service Incorporated is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 121 complaints filed with the CFPB.

Are complaints against American Recovery Service Incorporated increasing or decreasing?

Complaints against American Recovery Service Incorporated are falling. The company received 14 complaints in the last 12 months, showing improvement over prior periods.

What is American Recovery Service Incorporated's reputation grade?

American Recovery Service Incorporated has a reputation grade of D (score: 54.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does American Recovery Service Incorporated respond to consumer complaints?

American Recovery Service Incorporated has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 26% of cases.

In how many states does American Recovery Service Incorporated operate?

American Recovery Service Incorporated has received CFPB complaints from consumers in 30 states, with the most complaints from California (22 complaints).

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

American Recovery Service Incorporated - Debt Collector Complaint Profile

CFPB complaint profile across 30 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

36
Written notification about debt

19
Cont'd attempts collect debt not owed

17
False statements or representation

14
Communication tactics

13
Took or threatened to take negative or legal action

9

Data updated September 2026

CFPB complaint disposition

CCDB record american-recovery-service-incorporated American Recovery Service Incorporated

Grade D · 121 CFPB filings · 98% timely · lead issue: Attempts to collect debt not owed · vol #748 · compose #3349

VOL 121
GRADE D
12MO 14
STATES 30
TIMELY 98%
DISPUTE 26%
ISSUE Attempts to collect debt n…
RANK #748
COMPOSE #3,349

Volume peers

Nearest volume peer: C.Tech Collections, Inc. (121 complaints)

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

American Recovery Service Incorporated's 121 CFPB complaints sit next to C.Tech Collections, Inc. 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 →

Filing geometry

California is the plurality state for American Recovery Service Incorporated (18.2%)

Volume rank #748 and composite rank #3,349 diverge by 2,601 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: California 18.2%; Mid-band (15–30%) · 30 states with ≥1 filing
Seasonal peak: 2024-10 10.3%; 8–15% band · 4 filings
Divergent corpus ranks: #748 volume; #3,349 composite; Cleanest-composite ladder is 2,601 places worse than volume

How does American Recovery Service Incorporated compare to its peers?

How does American Recovery Service Incorporated compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

American Recovery Serv… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

98%

97%

91%

Consumer-dispute ratelower is better

26%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-11 2025-12

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	36
Written notification about debt	19
Cont'd attempts collect debt not owed	17
False statements or representation	14
Communication tactics	13
Took or threatened to take negative or legal action	9
Disclosure verification of debt	9
Threatened to contact someone or share information improperly	3
Improper contact or sharing of info	1

Where do complaints against American Recovery Service Incorporated come from?

American Recovery Service Incorporated's own per-state count, not a national baseline.

California

22
Florida

14
New York

9
Georgia

7
Ohio

7
Texas

7
New Jersey

6
Colorado

5

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for American Recovery Service Incorporated: 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: 121.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.27586206896551%.

4 peers

Know your rights before responding to American Recovery Service Incorporated: 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.