Total CFPB complaints
14
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 14 complaints
Arco Collection Services LLC — Debt Collector Complaint Profile
CFPB complaint profile across 3 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Arco Collection Services LLC
- Written notification about debt
Written notification about debt
5 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
2 complaints
- Communication tactics
Communication tactics
2 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
2 complaints
- Threatened to contact someone or share information improperly 1
Threatened to contact someone or share information improperly
1 complaints
- False statements or representation 1
False statements or representation
1 complaints
F
Grade F · 38.7/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Arco Collection Services LLC?
Arco Collection Services LLC has accumulated 14 total CFPB complaints across 3 states, with 2 filed in the most recent 12 months against 12 historical complaints before that window. The trailing-12-month volume represents 14.3% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 29% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 3 states, led by Tennessee with 12 and Mississippi 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 38.7/100 places Arco Collection Services 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
2
14.3% of total history
Rising ↑
States active
3
Distinct state filings
Timely response rate
29%
Within CFPB SLA window
Reputation grade
F
38.7/100 composite
Response-quality profile
How Arco Collection Services LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 28.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 5.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Arco Collection Services LLC compare to its peers?
Arco Collection Servic… 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)
2019-05 2026-02
Top Consumer Issues
Written notification about debt5 (%)
Threatened to contact someone or share information improperly1 (%)
Attempts to collect debt not owed2 (%)
Communication tactics2 (%)
Took or threatened to take negative or legal action2 (%)
False statements or representation1 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
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 |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 3 |
| Written notification about debt | Didn't receive notice of right to dispute | 2 |
| Threatened to contact someone or share information improperly | Contacted your employer | 1 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
| Communication tactics | Used obscene, profane, or other abusive language | 1 |
| Took or threatened to take negative or legal action | Sued you in a state where you do not live or did not sign for the debt | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
Where do complaints against Arco Collection Services LLC come from?
The states where consumers have filed the most CFPB complaints against Arco Collection Services LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Arco Collection Services LLC
Across 3 states with at least one filing
- Tennessee
Tennessee
12 complaints
- Mississippi 1
Mississippi
1 complaints
- Texas 1
Texas
1 complaints
Frequently Asked Questions
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 rising. The company received 2 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Arco Collection Services LLC's reputation grade? ▼
Arco Collection Services LLC has a reputation grade of F (score: 38.7/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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).
What can I do if Arco Collection Services 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 Arco Collection Services 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 |