Total complaints
16
Filed since 2013
2026 data Public-data reference. official source
A/R CONCEPTS, INC.
16 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
16 consumer complaints filed with the CFPB
This profile shows A/R CONCEPTS, INC.'s complaint history from CFPB public records. 16 consumers have filed complaints since 2013. The company has a 100% timely response rate and has provided relief in 0% of cases.
16
Total Complaints
100%
Timely Response
12.5%
Disputed
0%
Relief Provided
3
States Active
2013
Since
Timely response
100%
CFPB-tracked response window
Relief rate
0%
Closed with monetary or non-monetary relief
Timely response rate 100.0%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 0.0%
Industry median
Share closed with monetary or non-monetary relief.
A/R CONCEPTS, INC. complaint mix by product
- Debt collection 16 100.0% – 0% relief
How A/R CONCEPTS, INC.'s 16 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 16 |
Top States
| State | Complaints |
|---|---|
| IL | 14 |
| TX | 1 |
| WA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Cont'd attempts collect debt not owed | 6 |
| Disclosure verification of debt | 3 |
| Written notification about debt | 2 |
| Threatened to contact someone or share information improperly | 1 |
| Communication tactics | 1 |
| Attempts to collect debt not owed | 1 |
| Improper contact or sharing of info | 1 |
| Took or threatened to take negative or legal action | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 1 | 100% |
| 2014 | 4 | 100% |
| 2015 | 2 | 100% |
| 2016 | 3 | 100% |
| 2017 | 1 | 100% |
| 2019 | 1 | 100% |
| 2020 | 1 | 100% |
| 2021 | 1 | 100% |
| 2023 | 1 | 100% |
| 2024 | 1 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About A/R CONCEPTS, INC.
A/R CONCEPTS, INC. has accumulated 16 consumer complaints in the CFPB public database, with filings active across 3 U.S. states. Of those submissions, 9 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 2013, and the most recent logged activity is 2024-01-26, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, A/R CONCEPTS, INC. reports a 100% timely-response rate and has closed 93.8% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 12.5% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Debt collection", and the single most common underlying issue is "Cont'd attempts collect debt not owed".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating A/R CONCEPTS, INC.: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does A/R CONCEPTS, INC. have?
A/R CONCEPTS, INC. has received 16 consumer complaints filed with the Consumer Financial Protection Bureau.
Does A/R CONCEPTS, INC. respond to complaints on time?
A/R CONCEPTS, INC. has a 100% timely response rate to CFPB complaints.
What is the most common complaint about A/R CONCEPTS, INC.?
The most common issue reported against A/R CONCEPTS, INC. is "Cont'd attempts collect debt not owed" in the "Debt collection" product category.
Read our methodology — how this data is sourced, computed, and verified.
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