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

Subscribe to complaint changes (RSS)

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 8
GRADE F
12MO 0
STATES 7
TIMELY 0%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #2,667
COMPOSE Not ranked

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 →

How the 8 complaints break down

Every complaint issue type on record for A.R.C. Accounts Recovery (U.S.A.) Corporation LLC, not just the top ones shown above.

Attempts to collect debt not owed 2 complaints (25%) Disclosure verification of debt 2 complaints (25%) Written notification about debt 1 complaints (13%) False statements or representation 1 complaints (13%) Cont'd attempts collect debt not owed 1 complaints (13%) Other 1 complaints (13%)

Reputation score breakdown

Composite reputation score

40.5/100

A.R.C. Accounts Recovery (U.S.A.) Corporation LLC

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 C

Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.

Timely response F

Share of complaints answered inside the CFPB’s 15-day window.

Dispute rate A

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.

Spiky monthly series

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

Peak share is this collector's company_monthly maximum divided by its own stored monthly total. 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)
Corpus ranks: #2,667 volume; Composite not ranked (fewer than 200 complaints); Volume rank among 5,420 collectors

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 Recovery (U.S.A.) Corporation LLC 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.

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 A.R.C. Accounts Recovery (U.S.A.) Corporation LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database

A.R.C. Accounts Recovery (U.S.A.) Corporation LLC's complaint volume in context

A.R.C. Accounts Recovery (U.S.A.) Corporation LLC 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)

8 51st percentile higher than 51% of 5,420 collectors

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 ↓

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.