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

CFPB complaint data Grade F 197 complaints

Arcadia Holdings, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 20 states, reputation grade F.

Complaints by issue type

What consumers report about Arcadia Holdings, LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 51.1/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Arcadia Holdings, LLC ranks ahead of 16% of the 5,283 collectors PlainCollector grades - 84% keep a cleaner CFPB record, on 197 all-time complaints and a 73% timely-response rate.

16th pct
reputation rank of 5,283 graded collectors
197
CFPB complaints, all-time
73%
answered inside the CFPB window
13
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Arcadia Holdings, LLC?

Arcadia Holdings, LLC has accumulated 197 total CFPB complaints across 20 states, with 13 filed in the most recent 12 months against 184 historical complaints before that window. The trailing-12-month volume represents 6.6% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Didn't receive enough information to verify debt". The company posts a 73% timely-response rate against a 14% consumer-dispute-after-response rate.

Complaints have been recorded across 20 states, led by Pennsylvania with 66 and California with 50. Normalized against the full CFPB collector database, the reputation score of 51.1/100 places Arcadia Holdings, LLC in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

197

mid-volume (CCDB)

Last 12 months

13

6.6% of all-time complaints

Falling ↓

States active

20

multi-region footprint

Timely response rate

73%

below sla band

Consumer disputes

14%

average (vertical avg ~19%)

Reputation grade

F

51.1/100 composite

How does Arcadia Holdings, LLC's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

51 Bottom 16% higher than 16% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Arcadia Holdings, LLC versus the debt-collection vertical average.

Timely response within SLA 73.1%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 14.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 35.7%

Share of US states + territories with at least one filed complaint against this collector.

How does Arcadia Holdings, LLC compare to its peers?

How does Arcadia Holdings, LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Arcadia Holdings, LLC National average
Complaints (last 12 mo)lower is better
13
0
268
Timely-response ratehigher is better
73%
91%
91%
Consumer-dispute ratelower is better
14%
20%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-05 2026-02

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 48
Written notification about debt - 45
Cont'd attempts collect debt not owed - 31
Communication tactics - 27
False statements or representation - 25
Disclosure verification of debt - 10
Threatened to contact someone or share information improperly - 4
Took or threatened to take negative or legal action - 3
Improper contact or sharing of info - 2
Electronic communications - 2

Where do complaints against Arcadia Holdings, LLC come from?

Arcadia Holdings, LLC's own per-state count, not a national baseline.

Top states by complaints against Arcadia Holdings, LLC

Across 20 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Arcadia Holdings, LLC contacts you

A grade of F signals how Arcadia Holdings, LLC's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Arcadia Holdings, LLC and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Arcadia Holdings, LLC ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Arcadia Holdings, LLC? ▼

The most common issue consumers report about Arcadia Holdings, LLC is "Attempts to collect debt not owed", specifically "Didn't receive enough information to verify debt". This is based on 197 complaints filed with the CFPB.

Are complaints against Arcadia Holdings, LLC increasing or decreasing? ▼

Complaints against Arcadia Holdings, LLC are falling. The company received 13 complaints in the last 12 months, showing improvement over prior periods.

What is Arcadia Holdings, LLC's reputation grade? ▼

Arcadia Holdings, LLC has a reputation grade of F (score: 51.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Arcadia Holdings, LLC respond to consumer complaints? ▼

Arcadia Holdings, LLC has a 73% timely response rate to CFPB complaints. Consumers disputed the company's response in 14% of cases.

In how many states does Arcadia Holdings, LLC operate? ▼

Arcadia Holdings, LLC has received CFPB complaints from consumers in 20 states, with the most complaints from Pennsylvania (66 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.