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

CFPB complaint data Grade D 11 complaints

ARC Services - Debt Collector Complaint Profile

CFPB complaint profile across 7 states, reputation grade D.

Complaints by issue type

What consumers report about ARC Services

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record arc-services ARC Services

Grade D · 11 CFPB filings · 33% timely · lead issue: Communication tactics

  • VOL 11
  • GRADE D
  • 12MO 0
  • STATES 7
  • TIMELY 33%
  • DISPUTE 0%
  • ISSUE Communication tactics
  • RANK #2,373
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Accounts Interchange Group LLC (11 complaints)

Accounts Interchange Group LLCAccounts Interchange Group L…11Acknowledge Debt ResolutionsAcknowledge Debt Resolutions11Adela, IncAdela, Inc11Affirmative Law, PCAffirmative Law, PC11ARC Services (this)ARC Services (this)11
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

ARC Services's 11 CFPB complaints sit next to Accounts Interchange Group LLC 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 11 complaints break down

Every complaint issue type on record for ARC Services, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
50.1/100
ARC Services

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
11
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response D
33%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
0%
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.

State-heavy filing map

45.5% of ARC Services's CFPB filings land in Texas

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Texas 45.5%
5 of 11 filings · 7 states touched
Spike month
2017-04 25.0%
2 filings that month · spiky (≥15% of series)
Corpus ranks
#2,373 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does ARC Services compare to its peers?

How does ARC Services compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
ARC Services National average
Complaints (last 12 mo)lower is better
0
11
268
Timely-response ratehigher is better
33%
100%
91%
Consumer-dispute ratelower is better
0%
0%
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 ARC Services a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 5 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 20%40%60%80%100%120% 0%5%10%15% Timely response rate (%) Dispute rate (%) ARC Services vs. 4 similar-volume peers, by response speed and dispute rate ARC ServicesAnselmo Lindberg Oliver LLCApplied Resolutions GroupAspen Yo LLCAtlas Collections Inc. (of New Castle)
Source: CFPB Consumer Complaint Database

ARC Services's complaint volume in context

ARC Services 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)

11 56th percentile higher than 56% of 5,420 collectors

0–20: 3,504 collectors (65%). This entry sits in this band. 20–40: 565 collectors (10%). Above this entry. 40–60: 260 collectors (5%). Above this entry. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. ARC Services 0 220 tracked debt collectors, bucketed by value

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 ↓
2017-04 2025-08

Issue Detail Breakdown

Issue Complaints
Communication tactics
3
Cont'd attempts collect debt not owed
3
Attempts to collect debt not owed
1
Written notification about debt
1
Took or threatened to take negative or legal action
1
Disclosure verification of debt
1
Improper contact or sharing of info
1

Where do complaints against ARC Services come from?

ARC Services's own per-state count, not a national baseline.

Top states by complaints against ARC Services

Across 7 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for ARC Services: 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: 11.

4 peers

Know your rights before responding to ARC Services: 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.