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

CFPB complaint data Grade D 121 complaints

American Recovery Service Incorporated - Debt Collector Complaint Profile

CFPB complaint profile across 30 states, reputation grade D.

Complaints by issue type

What consumers report about American Recovery Service Incorporated

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

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 121
  • GRADE D
  • 12MO 14
  • STATES 30
  • TIMELY 98%
  • DISPUTE 26%
  • ISSUE Attempts to collect debt n…
  • RANK #748
  • COMPOSE Not ranked

Volume peers

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

C.Tech Collections, Inc.C.Tech Collections, Inc.121Seterus, Inc.Seterus, Inc.121American Recovery Service Incorporated (this)American Recovery Service In…121Applied Business Services, Inc.Applied Business Services, I…122Professional Adjustment Corp. of S.W. FL., Inc.Professional Adjustment Corp…122
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 →

How the 121 complaints break down

Every complaint issue type on record for American Recovery Service Incorporated, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
54.9/100
American Recovery Service Incorporated

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 F
121
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
98%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
26%
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.

Filing geometry

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

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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
Corpus ranks
#748 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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 Service Incorporated National average
Complaints (last 12 mo)lower is better
14
16
268
Timely-response ratehigher is better
98%
97%
91%
Consumer-dispute ratelower is better
26%
8%
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 American Recovery Service Incorporated a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 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 0%20%40%60%80%100%120% 0%10%20%30% Timely response rate (%) Dispute rate (%) American Recovery Service Incorporated vs. 9 similar-volume peers, by response speed and dispute rate American Recovery Service IncorporatedC.Tech Collections, Inc.Seterus, Inc.Professional Adjustment Corp. of S.W. FL., Inc.Applied Business Services, Inc.ADIR INTERNATIONAL LLCCREDICO. INCTexas GuaranteedUnited Credit and Collections Inc.High Point Asset Inc
Source: CFPB Consumer Complaint Database

American Recovery Service Incorporated's complaint volume in context

American Recovery Service Incorporated 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)

121 Top 14% higher than 86% 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%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). This entry sits in this band. 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. American Recovery Service Incorporated 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 ↓
2021-11 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.

Top states by complaints against American Recovery Service Incorporated

Across 30 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 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.