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

Data updated July 2026

D

Grade D · 54.7/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Atlantic Recovery Solutions LLC ranks ahead of 24% of the 5,283 collectors PlainCollector grades - 76% keep a cleaner CFPB record, on 450 all-time complaints and a 85% timely-response rate.

24th pct
reputation rank of 5,283 graded collectors
450
CFPB complaints, all-time
85%
answered inside the CFPB window
98
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Atlantic Recovery Solutions LLC?

Atlantic Recovery Solutions LLC has accumulated 450 total CFPB complaints across 45 states, with 98 filed in the most recent 12 months against 352 historical complaints before that window. The trailing-12-month volume represents 21.8% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Frequent or repeated calls". The company posts a 85% timely-response rate against a 9% consumer-dispute-after-response rate.

Complaints have been recorded across 45 states, led by California with 48 and Texas with 46. Normalized against the full CFPB collector database, the reputation score of 54.7/100 places Atlantic Recovery Solutions LLC in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

450

mid-volume (CCDB)

Last 12 months

98

21.8% of all-time complaints

Stable →

States active

45

multi-region footprint

Timely response rate

85%

acceptable band

Consumer disputes

9%

low (vertical avg ~19%)

Reputation grade

D

54.7/100 composite

How does Atlantic Recovery Solutions LLC's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

55 Bottom 24% higher than 24% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Atlantic Recovery Solutions LLC versus the debt-collection vertical average.

Timely response within SLA 85.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 9.2%
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 Atlantic Recovery Solutions LLC compare to its peers?

How does Atlantic Recovery Solutions LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Atlantic Recovery Solu… 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.

Complaint Trend (24 months)

2014-07 2015-10

Issue Detail Breakdown

Issue Sub-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

What to do if Atlantic Recovery Solutions LLC contacts you

A grade of D signals how Atlantic Recovery Solutions LLC's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Atlantic Recovery Solutions LLC and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Atlantic Recovery Solutions LLC ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Atlantic Recovery Solutions LLC? ▼

The most common issue consumers report about Atlantic Recovery Solutions LLC is "Communication tactics", specifically "Frequent or repeated calls". This is based on 450 complaints filed with the CFPB.

Are complaints against Atlantic Recovery Solutions LLC increasing or decreasing? ▼

Complaints against Atlantic Recovery Solutions LLC have been stable. The company received 98 complaints in the last 12 months.

What is Atlantic Recovery Solutions LLC's reputation grade? ▼

Atlantic Recovery Solutions LLC has a reputation grade of D (score: 54.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Atlantic Recovery Solutions LLC respond to consumer complaints? ▼

Atlantic Recovery Solutions LLC has a 85% timely response rate to CFPB complaints. Consumers disputed the company's response in 9% of cases.

In how many states does Atlantic Recovery Solutions LLC operate? ▼

Atlantic Recovery Solutions LLC has received CFPB complaints from consumers in 45 states, with the most complaints from California (48 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.