Total CFPB complaints
998
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 998 complaints
AR Resources, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 39 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about AR Resources, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
370 complaints
- Written notification about debt
Written notification about debt
240 complaints
- False statements or representation 78
False statements or representation
78 complaints
- Took or threatened to take negative or legal action 67
Took or threatened to take negative or legal action
67 complaints
- Cont'd attempts collect debt not owed 66
Cont'd attempts collect debt not owed
66 complaints
- Disclosure verification of debt 33
Disclosure verification of debt
33 complaints
D
Grade D · 54.4/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about AR Resources, Inc.?
AR Resources, Inc. has accumulated 998 total CFPB complaints across 39 states, with 106 filed in the most recent 12 months against 892 historical complaints before that window. The trailing-12-month volume represents 10.6% 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", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 97% timely-response rate against a 22% 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 39 states, led by Florida with 342 and Pennsylvania with 112, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 54.4/100 places AR Resources, Inc. 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
106
10.6% of total history
Falling ↓
States active
39
Distinct state filings
Timely response rate
97%
Within CFPB SLA window
Consumer disputes
22%
After company response
Reputation grade
D
54.4/100 composite
Response-quality profile
How AR Resources, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 97.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 44.8%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 69.6%
Share of US states + territories with at least one filed complaint against this collector.
How does AR Resources, Inc. compare to its peers?
AR Resources, Inc. 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed370 (%)
Written notification about debt240 (%)
False statements or representation78 (%)
Took or threatened to take negative or legal action67 (%)
Cont'd attempts collect debt not owed66 (%)
Disclosure verification of debt33 (%)
Communication tactics33 (%)
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 | 198 |
| Written notification about debt | Didn't receive enough information to verify debt | 149 |
| Written notification about debt | Didn't receive notice of right to dispute | 91 |
| Attempts to collect debt not owed | Debt was result of identity theft | 89 |
| Attempts to collect debt not owed | Debt was paid | 83 |
| False statements or representation | Attempted to collect wrong amount | 78 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 67 |
| Cont'd attempts collect debt not owed | Debt is not mine | 66 |
| Disclosure verification of debt | Not given enough info to verify debt | 33 |
| Communication tactics | Frequent or repeated calls | 33 |
Where do complaints against AR Resources, Inc. come from?
The states where consumers have filed the most CFPB complaints against AR Resources, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against AR Resources, Inc.
Across 39 states with at least one filing
- Florida
Florida
342 complaints
- Pennsylvania 112
Pennsylvania
112 complaints
- Georgia 90
Georgia
90 complaints
- New Jersey 89
New Jersey
89 complaints
- Alabama 82
Alabama
82 complaints
- Texas 62
Texas
62 complaints
- Virginia 44
Virginia
44 complaints
- New York 23
New York
23 complaints
Frequently Asked Questions
What is the most common complaint against AR Resources, Inc.? ▼
The most common issue consumers report about AR Resources, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 998 complaints filed with the CFPB.
Are complaints against AR Resources, Inc. increasing or decreasing? ▼
Complaints against AR Resources, Inc. are falling. The company received 106 complaints in the last 12 months, showing improvement over prior periods.
What is AR Resources, Inc.'s reputation grade? ▼
AR Resources, Inc. has a reputation grade of D (score: 54.4/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does AR Resources, Inc. respond to consumer complaints? ▼
AR Resources, Inc. has a 97% timely response rate to CFPB complaints. Consumers disputed the company's response in 22% of cases.
In how many states does AR Resources, Inc. operate? ▼
AR Resources, Inc. has received CFPB complaints from consumers in 39 states, with the most complaints from Florida (342 complaints).
What can I do if AR Resources, Inc. 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 AR Resources, Inc. 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 |