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

CFPB complaint data Grade D 450 complaints

Atlantic Recovery Solutions LLC - Debt Collector Complaint Profile

CFPB complaint profile across 45 states, reputation grade D.

Complaints by issue type

What consumers report about Atlantic Recovery Solutions LLC

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record atlantic-recovery-solutions-llc Atlantic Recovery Solutions LLC

Grade D · 450 CFPB filings · 85% timely · lead issue: Communication tactics · vol #301 · compose #326

  • VOL 450
  • GRADE D
  • 12MO 98
  • STATES 45
  • TIMELY 85%
  • DISPUTE 9%
  • ISSUE Communication tactics
  • RANK #301
  • COMPOSE #326

Volume peers

Nearest volume peer: Patient Accounting Service Center (448 complaints)

Squaretwo Financial CorporationSquaretwo Financial Corporat…445Patient Accounting Service CenterPatient Accounting Service C…448Atlantic Recovery Solutions LLC (this)Atlantic Recovery Solutions …450Cashcall, Inc.Cashcall, Inc.456Mr. Cooper Group Inc.Mr. Cooper Group Inc.457
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Atlantic Recovery Solutions LLC's 450 CFPB complaints sit next to Patient Accounting Service Center 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 →

How the 450 complaints break down

Every complaint issue type on record for Atlantic Recovery Solutions LLC, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
51.9/100
Atlantic Recovery Solutions LLC

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
450
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
85%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
9%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

Atlantic Recovery Solutions LLC spreads filings across 45 states - California leads at only 10.7%

Peak share is this collector's company_monthly maximum divided by its own stored monthly total. Corpus placement method.

Most-even geography
Lead state under 15%
California still leads at 10.7% across 45 states
Spike month
2014-09 33.3%
7 filings that month · spiky (≥15% of series)
Corpus ranks
#301 volume
#326 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Atlantic Recovery Solutions LLC compare to its peers?

How does Atlantic Recovery Solutions 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
Atlantic Recovery Solutions LLC National average
Complaints (last 12 mo)lower is better
98
99
268
Timely-response ratehigher is better
85%
90%
91%
Consumer-dispute ratelower is better
9%
17%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Atlantic Recovery Solutions LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 20%40%60%80%100%120% 5%10%15%20%25%30% Timely response rate (%) Dispute rate (%) Atlantic Recovery Solutions LLC vs. 8 similar-volume peers, by response speed and dispute rate Atlantic Recovery Solutions LLCPatient Accounting Service CenterSQUARETWO FINANCIAL CORPORATIONCASHCALL, INC.Kinum, Inc., Indianapolis, IN BranchWilliams, Rush & Associates, LLCTower Loan of Mississippi, Inc.Advance America, Cash Advance Centers, Inc.NATIONSTAR MORTGAGE LLC
Source: CFPB Consumer Complaint Database

Atlantic Recovery Solutions LLC's complaint volume in context

Atlantic Recovery Solutions LLC vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

450 Top 6% higher than 94% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Atlantic Recovery Solutions LLC 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Stable →
2014-07 2015-10

Issue Detail Breakdown

Issue Complaints
Communication tactics
172
Attempts to collect debt not owed
63
Threatened to contact someone or share information improperly
50
Took or threatened to take negative or legal action
47
Written notification about debt
39
False statements or representation
23
Improper contact or sharing of info
17
Electronic communications
16
Cont'd attempts collect debt not owed
11
Taking/threatening an illegal action
9

Where do complaints against Atlantic Recovery Solutions LLC come from?

Atlantic Recovery Solutions LLC's own per-state count, not a national baseline.

Top states by complaints against Atlantic Recovery Solutions LLC

Across 45 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Atlantic Recovery Solutions 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: 450.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 85.04672897196261%.

4 peers

Know your rights before responding to Atlantic Recovery Solutions 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.