What is the most common complaint against ARS National Services, Inc.?

The most common issue consumers report about ARS National Services, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 471 complaints filed with the CFPB.

Are complaints against ARS National Services, Inc. increasing or decreasing?

Complaints against ARS National Services, Inc. are falling. The company received 54 complaints in the last 12 months, showing improvement over prior periods.

What is ARS National Services, Inc.'s reputation grade?

ARS National Services, Inc. has a reputation grade of C (score: 56.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does ARS National Services, Inc. respond to consumer complaints?

ARS National Services, Inc. has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 7% of cases.

In how many states does ARS National Services, Inc. operate?

ARS National Services, Inc. has received CFPB complaints from consumers in 45 states, with the most complaints from California (80 complaints).

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

ARS National Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 45 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

148
Written notification about debt

91
Communication tactics

65
False statements or representation

51
Cont'd attempts collect debt not owed

44
Took or threatened to take negative or legal action

26

Data updated September 2026

CFPB complaint disposition

CCDB record ars-national-services-inc ARS National Services, Inc.

Grade C · 471 CFPB filings · 98% timely · lead issue: Attempts to collect debt not owed · vol #288 · compose #3095

VOL 471
GRADE C
12MO 54
STATES 45
TIMELY 98%
DISPUTE 7%
ISSUE Attempts to collect debt n…
RANK #288
COMPOSE #3,095

Volume peers

Nearest volume peer: Westcreek Financial (472 complaints)

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

ARS National Services, Inc.'s 471 CFPB complaints sit next to Westcreek Financial 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 →

Steady monthly series

California is the plurality state for ARS National Services, Inc. (17.0%)

Volume rank #288 and composite rank #3,095 diverge by 2,807 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: California 17.0%; Mid-band (15–30%) · 45 states with ≥1 filing
Even monthly load: Peak under 8%; Highest month 2025-11 at 7.8% (15 filings)
Divergent corpus ranks: #288 volume; #3,095 composite; Cleanest-composite ladder is 2,807 places worse than volume

How does ARS National Services, Inc. compare to its peers?

How does ARS National Services, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

ARS National Services,… National average

Complaints (last 12 mo)lower is better

286

268

Timely-response ratehigher is better

98%

72%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	148
Written notification about debt	91
Communication tactics	65
False statements or representation	51
Cont'd attempts collect debt not owed	44
Took or threatened to take negative or legal action	26
Disclosure verification of debt	24
Threatened to contact someone or share information improperly	10
Improper contact or sharing of info	6
Electronic communications	5

Where do complaints against ARS National Services, Inc. come from?

ARS National Services, Inc.'s own per-state count, not a national baseline.

California

80
New York

79
Florida

36
New Jersey

24
Texas

22
Georgia

19
Illinois

19
Ohio

17

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for ARS National Services, Inc.: 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: 471.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 97.57174392935983%.

4 peers

Know your rights before responding to ARS National Services, Inc.: 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.