Total CFPB complaints
116
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 116 complaints
American Recovery Service Incorporated — Debt Collector Complaint Profile
CFPB complaint profile across 29 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about American Recovery Service Incorporated
- Attempts to collect debt not owed
Attempts to collect debt not owed
33 complaints
- Written notification about debt
Written notification about debt
17 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
14 complaints
- False statements or representation 10
False statements or representation
10 complaints
- Disclosure verification of debt 8
Disclosure verification of debt
8 complaints
- Communication tactics 6
Communication tactics
6 complaints
D
Grade D · 58.4/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about American Recovery Service Incorporated?
American Recovery Service Incorporated has accumulated 116 total CFPB complaints across 29 states, with 12 filed in the most recent 12 months against 104 historical complaints before that window. The trailing-12-month volume represents 10.3% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 98% timely-response rate against a 26% 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 29 states, led by California with 22 and Florida with 13, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.4/100 places American Recovery Service Incorporated 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
12
10.3% of total history
Falling ↓
States active
29
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
26%
After company response
Reputation grade
D
58.4/100 composite
Response-quality profile
How American Recovery Service Incorporated performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 51.6%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 51.8%
Share of US states + territories with at least one filed complaint against this collector.
How does American Recovery Service Incorporated compare to its peers?
American Recovery Serv… 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)
2023-05 2026-03
Top Consumer Issues
Attempts to collect debt not owed33 (%)
Written notification about debt17 (%)
False statements or representation10 (%)
Cont'd attempts collect debt not owed14 (%)
Disclosure verification of debt8 (%)
Communication tactics6 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 19 |
| Written notification about debt | Didn't receive enough information to verify debt | 12 |
| False statements or representation | Attempted to collect wrong amount | 10 |
| Cont'd attempts collect debt not owed | Debt is not mine | 9 |
| Disclosure verification of debt | Not given enough info to verify debt | 8 |
| Attempts to collect debt not owed | Debt was result of identity theft | 8 |
| Attempts to collect debt not owed | Debt was paid | 6 |
| Communication tactics | Frequent or repeated calls | 6 |
| Written notification about debt | Didn't receive notice of right to dispute | 5 |
| Cont'd attempts collect debt not owed | Debt was paid | 5 |
Where do complaints against American Recovery Service Incorporated come from?
The states where consumers have filed the most CFPB complaints against American Recovery Service Incorporated. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against American Recovery Service Incorporated
Across 29 states with at least one filing
- California
California
22 complaints
- Florida
Florida
13 complaints
- New York
New York
9 complaints
- Ohio 7
Ohio
7 complaints
- Texas 7
Texas
7 complaints
- Georgia 7
Georgia
7 complaints
- New Jersey 6
New Jersey
6 complaints
- Colorado 5
Colorado
5 complaints
Frequently Asked Questions
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 116 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 12 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: 58.4/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 29 states, with the most complaints from California (22 complaints).
What can I do if American Recovery Service Incorporated 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 American Recovery Service Incorporated 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 |