What is the most common complaint against Arco Collection Services LLC?

The most common issue consumers report about Arco Collection Services LLC is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 14 complaints filed with the CFPB.

Are complaints against Arco Collection Services LLC increasing or decreasing?

Complaints against Arco Collection Services LLC are falling. The company received 1 complaints in the last 12 months, showing improvement over prior periods.

What is Arco Collection Services LLC's reputation grade?

Arco Collection Services LLC has a reputation grade of F (score: 34.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Arco Collection Services LLC respond to consumer complaints?

Arco Collection Services LLC has a 29% timely response rate to CFPB complaints.

In how many states does Arco Collection Services LLC operate?

Arco Collection Services LLC has received CFPB complaints from consumers in 3 states, with the most complaints from Tennessee (12 complaints).

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

Arco Collection Services LLC - Debt Collector Complaint Profile

CFPB complaint profile across 3 states, reputation grade F.

Compiled by PlainCollector

Written notification about debt

5
Took or threatened to take negative or legal action

3
Attempts to collect debt not owed

2
Communication tactics

2
False statements or representation

1
Threatened to contact someone or share information improperly

1

Data updated September 2026

CFPB complaint disposition

CCDB record arco-collection-services-llc Arco Collection Services LLC

Grade F · 14 CFPB filings · 29% timely · lead issue: Written notification about debt · vol #2182 · compose #5125

VOL 14
GRADE F
12MO 1
STATES 3
TIMELY 29%
ISSUE Written notification about…
RANK #2,182
COMPOSE #5,125

Volume peers

Nearest volume peer: 4 Star Resolution LLC (Closed) (14 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Arco Collection Services LLC's 14 CFPB complaints sit next to 4 Star Resolution LLC (Closed) 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

85.7% of Arco Collection Services LLC's CFPB filings land in Tennessee

High volume does not equal a clean composite: Arco Collection Services LLC is volume #2,182 but composite #5,125, while Tennessee dominates the geography. Corpus placement method.

Dominant state: Tennessee 85.7%; 12 of 14 filings · 3 states touched
Seasonal peak: 2025-10 13.5%; 8–15% band · 5 filings
Divergent corpus ranks: #2,182 volume; #5,125 composite; Cleanest-composite ladder is 2,943 places worse than volume

How does Arco Collection Services LLC compare to its peers?

How does Arco Collection Services 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

Arco Collection Servic… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

29%

93%

91%

Consumer-dispute ratelower is better

29%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2018-01 2026-02

Issue Detail Breakdown

Issue	Complaints
Written notification about debt	5
Took or threatened to take negative or legal action	3
Attempts to collect debt not owed	2
Communication tactics	2
False statements or representation	1
Threatened to contact someone or share information improperly	1

Where do complaints against Arco Collection Services LLC come from?

Arco Collection Services LLC's own per-state count, not a national baseline.

Tennessee

12
Mississippi

1
Texas

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Arco Collection Services 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: 14.

4 peers

Know your rights before responding to Arco Collection Services 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.