What is the most common complaint against A.R.C. Accounts Recovery (U.S.A.) Corporation LLC?

The most common issue consumers report about A.R.C. Accounts Recovery (U.S.A.) Corporation LLC is "Attempts to collect debt not owed", specifically "Debt is not mine". This is based on 8 complaints filed with the CFPB.

Are complaints against A.R.C. Accounts Recovery (U.S.A.) Corporation LLC increasing or decreasing?

Complaints against A.R.C. Accounts Recovery (U.S.A.) Corporation LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is A.R.C. Accounts Recovery (U.S.A.) Corporation LLC's reputation grade?

A.R.C. Accounts Recovery (U.S.A.) Corporation LLC has a reputation grade of F (score: 40.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does A.R.C. Accounts Recovery (U.S.A.) Corporation LLC respond to consumer complaints?

A.R.C. Accounts Recovery (U.S.A.) Corporation LLC has a 0% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does A.R.C. Accounts Recovery (U.S.A.) Corporation LLC operate?

A.R.C. Accounts Recovery (U.S.A.) Corporation LLC has received CFPB complaints from consumers in 7 states, with the most complaints from Florida (2 complaints).

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

A.R.C. Accounts Recovery (U.S.A.) Corporation LLC - Debt Collector Complaint Profile

CFPB complaint profile across 7 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

2
Disclosure verification of debt

2
Written notification about debt

1
False statements or representation

1
Cont'd attempts collect debt not owed

1
Improper contact or sharing of info

1

Data updated September 2026

CFPB complaint disposition

CCDB record arc-accounts-recovery-usa-corporation-llc A.R.C. Accounts Recovery (U.S.A.) Corporation LLC

Grade F · 8 CFPB filings · 0% timely · lead issue: Attempts to collect debt not owed · vol #2667 · compose #4893

VOL 8
GRADE F
12MO 0
STATES 7
TIMELY 0%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #2,667
COMPOSE #4,893

Volume peers

Nearest volume peer: A+ Loans, Inc. (8 complaints)

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

A.R.C. Accounts Recovery (U.S.A.) Corporation LLC's 8 CFPB complaints sit next to A+ Loans, 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 →

Spiky monthly series

Florida is the plurality state for A.R.C. Accounts Recovery (U.S.A.) Corporation LLC (25.0%)

The 2019-06 spike coincides with a 2,226-place gap between volume rank #2,667 and composite #4,893. Corpus placement method.

Plurality state: Florida 25.0%; Mid-band (15–30%) · 7 states with ≥1 filing
Spike month: 2019-06 50.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #2,667 volume; #4,893 composite; Cleanest-composite ladder is 2,226 places worse than volume

How does A.R.C. Accounts Recovery (U.S.A.) Corporation LLC compare to its peers?

How does A.R.C. Accounts Recovery (U.S.A.) Corporation LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

A.R.C. Accounts Recove… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2019-06 2021-08

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	2
Disclosure verification of debt	2
Written notification about debt	1
False statements or representation	1
Cont'd attempts collect debt not owed	1
Improper contact or sharing of info	1

Where do complaints against A.R.C. Accounts Recovery (U.S.A.) Corporation LLC come from?

A.R.C. Accounts Recovery (U.S.A.) Corporation LLC's own per-state count, not a national baseline.

Florida

2
California

1
New Jersey

1
Pennsylvania

1
Texas

1
Virginia

1
Washington

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for A.R.C. Accounts Recovery (U.S.A.) Corporation LLC: 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: 8.

4 peers

Know your rights before responding to A.R.C. Accounts Recovery (U.S.A.) Corporation LLC: 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.