Total CFPB complaints
453
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 453 complaints
ARS National Services, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 45 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about ARS National Services, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
135 complaints
- Written notification about debt
Written notification about debt
78 complaints
- False statements or representation 46
False statements or representation
46 complaints
- Communication tactics 46
Communication tactics
46 complaints
- Cont'd attempts collect debt not owed 26
Cont'd attempts collect debt not owed
26 complaints
- Disclosure verification of debt 23
Disclosure verification of debt
23 complaints
C
Grade C · 59.5/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about ARS National Services, Inc.?
ARS National Services, Inc. has accumulated 453 total CFPB complaints across 45 states, with 48 filed in the most recent 12 months against 405 historical complaints before that window. The trailing-12-month volume represents 10.6% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 98% timely-response rate against a 7% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 45 states, led by California with 78 and New York with 76, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.5/100 places ARS National Services, Inc. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
48
10.6% of total history
Rising ↑
States active
45
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
7%
After company response
Reputation grade
C
59.5/100 composite
Response-quality profile
How ARS National Services, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 97.6%
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 80.4%
Share of US states + territories with at least one filed complaint against this collector.
How does ARS National Services, Inc. compare to its peers?
ARS National Services,… 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)
2024-01 2026-01
Top Consumer Issues
Attempts to collect debt not owed135 (%)
Written notification about debt78 (%)
False statements or representation46 (%)
Communication tactics46 (%)
Cont'd attempts collect debt not owed26 (%)
Disclosure verification of debt23 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 67 |
| Written notification about debt | Didn't receive enough information to verify debt | 62 |
| Attempts to collect debt not owed | Debt was result of identity theft | 48 |
| False statements or representation | Attempted to collect wrong amount | 46 |
| Communication tactics | Frequent or repeated calls | 29 |
| Cont'd attempts collect debt not owed | Debt is not mine | 26 |
| Disclosure verification of debt | Not given enough info to verify debt | 23 |
| Attempts to collect debt not owed | Debt was paid | 20 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 17 |
| Written notification about debt | Didn't receive notice of right to dispute | 16 |
Where do complaints against ARS National Services, Inc. come from?
The states where consumers have filed the most CFPB complaints against ARS National Services, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against ARS National Services, Inc.
Across 45 states with at least one filing
- California
California
78 complaints
- New York
New York
76 complaints
- Florida
Florida
35 complaints
- New Jersey 21
New Jersey
21 complaints
- Texas 20
Texas
20 complaints
- Georgia 19
Georgia
19 complaints
- Illinois 18
Illinois
18 complaints
- Pennsylvania 16
Pennsylvania
16 complaints
Frequently Asked Questions
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 453 complaints filed with the CFPB.
Are complaints against ARS National Services, Inc. increasing or decreasing? ▼
Complaints against ARS National Services, Inc. are rising. The company received 48 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is ARS National Services, Inc.'s reputation grade? ▼
ARS National Services, Inc. has a reputation grade of C (score: 59.5/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 (78 complaints).
What can I do if ARS National Services, Inc. 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 ARS National Services, Inc. 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 |