Total CFPB complaints
8
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 8 complaints
A.R.C. Accounts Recovery (U.S.A.) Corporation LLC — Debt Collector Complaint Profile
CFPB complaint profile across 7 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about A.R.C. Accounts Recovery (U.S.A.) Corporation LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
2 complaints
- Disclosure verification of debt
Disclosure verification of debt
2 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
1 complaints
- Written notification about debt
Written notification about debt
1 complaints
- False statements or representation
False statements or representation
1 complaints
- Improper contact or sharing of info
Improper contact or sharing of info
1 complaints
F
Grade F · 44.8/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about A.R.C. Accounts Recovery (U.S.A.) Corporation LLC?
A.R.C. Accounts Recovery (U.S.A.) Corporation LLC has accumulated 8 total CFPB complaints across 7 states, with 0 filed in the most recent 12 months against 8 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 0% timely-response rate against a 0% 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 7 states, led by Florida with 2 and Washington with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 44.8/100 places A.R.C. Accounts Recovery (U.S.A.) Corporation LLC in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
7
Distinct state filings
Timely response rate
0%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
F
44.8/100 composite
Response-quality profile
How A.R.C. Accounts Recovery (U.S.A.) Corporation LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 0.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 12.5%
Share of US states + territories with at least one filed complaint against this collector.
How does A.R.C. Accounts Recovery (U.S.A.) Corporation LLC compare to its peers?
A.R.C. Accounts Recove… 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)
2014-01 2018-06
Top Consumer Issues
Cont'd attempts collect debt not owed1 (%)
Attempts to collect debt not owed2 (%)
Written notification about debt1 (%)
Disclosure verification of debt2 (%)
False statements or representation1 (%)
Improper contact or sharing of info1 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| Disclosure verification of debt | Right to dispute notice not received | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
| Improper contact or sharing of info | Talked to a third party about my debt | 1 |
Where do complaints against A.R.C. Accounts Recovery (U.S.A.) Corporation LLC come from?
The states where consumers have filed the most CFPB complaints against A.R.C. Accounts Recovery (U.S.A.) Corporation LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against A.R.C. Accounts Recovery (U.S.A.) Corporation LLC
Across 7 states with at least one filing
- Florida
Florida
2 complaints
- Washington
Washington
1 complaints
- New Jersey
New Jersey
1 complaints
- Virginia
Virginia
1 complaints
- California
California
1 complaints
- Texas
Texas
1 complaints
- Pennsylvania
Pennsylvania
1 complaints
Frequently Asked Questions
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 "Cont'd attempts 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 have been stable. The company received 0 complaints in the last 12 months.
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: 44.8/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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).
What can I do if A.R.C. Accounts Recovery (U.S.A.) Corporation LLC 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 A.R.C. Accounts Recovery (U.S.A.) Corporation LLC 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 |