Total CFPB complaints
428
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 428 complaints
Atlantic Recovery Solutions LLC — Debt Collector Complaint Profile
CFPB complaint profile across 44 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Atlantic Recovery Solutions LLC
- Communication tactics
Communication tactics
152 complaints
- Attempts to collect debt not owed 48
Attempts to collect debt not owed
48 complaints
- Written notification about debt 33
Written notification about debt
33 complaints
- Took or threatened to take negative or legal action 33
Took or threatened to take negative or legal action
33 complaints
- Threatened to contact someone or share information improperly 32
Threatened to contact someone or share information improperly
32 complaints
D
Grade D · 54.7/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Atlantic Recovery Solutions LLC?
Atlantic Recovery Solutions LLC has accumulated 428 total CFPB complaints across 44 states, with 103 filed in the most recent 12 months against 325 historical complaints before that window. The trailing-12-month volume represents 24.1% 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 "Communication tactics", narrowing to "Frequent or repeated calls", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 85% timely-response rate against a 9% 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 44 states, led by California with 47 and Texas with 43, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 54.7/100 places Atlantic Recovery Solutions LLC in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
103
24.1% of total history
Rising ↑
States active
44
Distinct state filings
Timely response rate
85%
Within CFPB SLA window
Consumer disputes
9%
After company response
Reputation grade
D
54.7/100 composite
Response-quality profile
How Atlantic Recovery Solutions LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 18.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 78.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Atlantic Recovery Solutions LLC compare to its peers?
Atlantic Recovery Solu… 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)
2024-04 2026-03
Top Consumer Issues
Communication tactics152 (%)
Attempts to collect debt not owed48 (%)
Threatened to contact someone or share information improperly32 (%)
Written notification about debt33 (%)
Took or threatened to take negative or legal action33 (%)
Most common issue: Communication tactics — Frequent or repeated calls
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 |
|---|---|---|
| Communication tactics | Frequent or repeated calls | 90 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 35 |
| Attempts to collect debt not owed | Debt is not yours | 34 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 32 |
| Communication tactics | Used obscene, profane, or other abusive language | 27 |
| Written notification about debt | Didn't receive enough information to verify debt | 18 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 17 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 16 |
| Written notification about debt | Didn't receive notice of right to dispute | 15 |
| Attempts to collect debt not owed | Debt was paid | 14 |
Where do complaints against Atlantic Recovery Solutions LLC come from?
The states where consumers have filed the most CFPB complaints against Atlantic Recovery Solutions LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Atlantic Recovery Solutions LLC
Across 44 states with at least one filing
- California
California
47 complaints
- Texas
Texas
43 complaints
- New York
New York
42 complaints
- Florida
Florida
33 complaints
- Pennsylvania
Pennsylvania
28 complaints
- Illinois 17
Illinois
17 complaints
- Michigan 15
Michigan
15 complaints
- Ohio 14
Ohio
14 complaints
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 428 complaints filed with the CFPB.
Are complaints against Atlantic Recovery Solutions LLC increasing or decreasing? ▼
Complaints against Atlantic Recovery Solutions LLC are rising. The company received 103 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Atlantic Recovery Solutions LLC's reputation grade? ▼
Atlantic Recovery Solutions LLC has a reputation grade of D (score: 54.7/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 44 states, with the most complaints from California (47 complaints).
What can I do if Atlantic Recovery Solutions 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 Atlantic Recovery Solutions 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 |