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

Data updated July 2026

D

Grade D · 58.4/100 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: American Recovery Service Incorporated ranks ahead of 36% of the 5,283 collectors PlainCollector grades - 64% keep a cleaner CFPB record, on 121 all-time complaints and a 98% timely-response rate.

36th pct
reputation rank of 5,283 graded collectors
121
CFPB complaints, all-time
98%
answered inside the CFPB window
14
in the last 12 months (falling)

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 American Recovery Service Incorporated?

American Recovery Service Incorporated has accumulated 121 total CFPB complaints across 30 states, with 14 filed in the most recent 12 months against 107 historical complaints before that window. The trailing-12-month volume represents 11.6% 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". The company posts a 98% timely-response rate against a 26% consumer-dispute-after-response rate.

Complaints have been recorded across 30 states, led by California with 22 and Florida with 14. Normalized against the full CFPB collector database, the reputation score of 58.4/100 places American Recovery Service Incorporated in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

121

mid-volume (CCDB)

Last 12 months

14

11.6% of all-time complaints

Falling ↓

States active

30

multi-region footprint

Timely response rate

98%

excellent band

Consumer disputes

26%

elevated (vertical avg ~19%)

Reputation grade

D

58.4/100 composite

How does American Recovery Service Incorporated's reputation rank nationally?

Reputation score vs. every graded collector

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

58 36th percentile higher than 36% 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

American Recovery Service Incorporated versus the debt-collection vertical average.

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) 25.8%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 53.6%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
American Recovery Serv… 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.

Complaint Trend (24 months)

2021-11 2025-12

Issue Detail Breakdown

Issue Sub-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

What to do if American Recovery Service Incorporated contacts you

A grade of D signals how American Recovery Service Incorporated'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 American Recovery Service Incorporated 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 American Recovery Service Incorporated 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 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: 58.4/100), 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).

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.