What is the most common complaint against ARC Services?

The most common issue consumers report about ARC Services is "Communication tactics", specifically "Debt was paid". This is based on 11 complaints filed with the CFPB.

Are complaints against ARC Services increasing or decreasing?

Complaints against ARC Services are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is ARC Services's reputation grade?

ARC Services has a reputation grade of D (score: 50.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does ARC Services respond to consumer complaints?

ARC Services has a 33% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does ARC Services operate?

ARC Services has received CFPB complaints from consumers in 7 states, with the most complaints from Texas (5 complaints).

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

ARC Services - Debt Collector Complaint Profile

CFPB complaint profile across 7 states, reputation grade D.

Compiled by PlainCollector

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

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 #2373 · compose #4138

VOL 11
GRADE D
12MO 0
STATES 7
TIMELY 33%
DISPUTE 0%
ISSUE Communication tactics
RANK #2,373
COMPOSE #4,138

Volume peers

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

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 →

State-heavy filing map

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

High volume does not equal a clean composite: ARC Services is volume #2,373 but composite #4,138, while Texas dominates the geography. 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)
Divergent corpus ranks: #2,373 volume; #4,138 composite; Cleanest-composite ladder is 1,765 places worse than volume

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

268

Timely-response ratehigher is better

33%

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Texas

5
California

1
Indiana

1
New York

1
North Carolina

1
Ohio

1
South Carolina

1

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.