Total CFPB complaints
4
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 4 complaints
ARP & Associates LLC — Debt Collector Complaint Profile
CFPB complaint profile across 4 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about ARP & Associates LLC
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
1 complaints
- False statements or representation
False statements or representation
1 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
1 complaints
- Written notification about debt
Written notification about debt
1 complaints
F
Grade F · 47.0/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about ARP & Associates LLC?
ARP & Associates LLC has accumulated 4 total CFPB complaints across 4 states, with 3 filed in the most recent 12 months against 1 historical complaints before that window. The trailing-12-month volume represents 75.0% 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 "Took or threatened to take negative or legal action", narrowing to "Threatened to arrest you or take you to jail if you do not pay", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 25% 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 4 states, led by Kentucky with 1 and Oklahoma 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 47.0/100 places ARP & Associates 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
3
75.0% of total history
Rising ↑
States active
4
Distinct state filings
Timely response rate
25%
Within CFPB SLA window
Reputation grade
F
47.0/100 composite
Response-quality profile
How ARP & Associates LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 25.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does ARP & Associates LLC compare to its peers?
ARP & Associates LLC 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)
2020-11 2025-12
Top Consumer Issues
Took or threatened to take negative or legal action1 (%)
False statements or representation1 (%)
Attempts to collect debt not owed1 (%)
Written notification about debt1 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
Where do complaints against ARP & Associates LLC come from?
The states where consumers have filed the most CFPB complaints against ARP & Associates LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against ARP & Associates LLC
Across 4 states with at least one filing
- Kentucky
Kentucky
1 complaints
- Oklahoma
Oklahoma
1 complaints
- Kansas
Kansas
1 complaints
- Louisiana
Louisiana
1 complaints
Frequently Asked Questions
What is the most common complaint against ARP & Associates LLC? ▼
The most common issue consumers report about ARP & Associates LLC is "Took or threatened to take negative or legal action", specifically "Threatened to arrest you or take you to jail if you do not pay". This is based on 4 complaints filed with the CFPB.
Are complaints against ARP & Associates LLC increasing or decreasing? ▼
Complaints against ARP & Associates LLC are rising. The company received 3 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is ARP & Associates LLC's reputation grade? ▼
ARP & Associates LLC has a reputation grade of F (score: 47.0/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does ARP & Associates LLC respond to consumer complaints? ▼
ARP & Associates LLC has a 25% timely response rate to CFPB complaints.
In how many states does ARP & Associates LLC operate? ▼
ARP & Associates LLC has received CFPB complaints from consumers in 4 states, with the most complaints from Kentucky (1 complaints).
What can I do if ARP & Associates 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 ARP & Associates 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 |