CFPB · Single-product concentration
Account Recovery Services, Inc.
36 CFPB complaints · 91.7% in "Debt collection" · top issue Attempts to collect debt not owed.
Account Recovery Services, Inc.: 91.7% of 36 CFPB complaints sit in "Debt collection". Timely 88.9% · relief 30.6%. Allegations, not findings.
- Single-product concentration
- -25% filings 2014 to 2026
CFPB relief outcome brief
CCDB company account-recovery-services-inc
30.6% relief · 88.9% timely · 36 filings · Debt collection
Same-product relief peers
Nearest relief peer: Valley Collection Service, LLC (30.8% relief)
Account Recovery Services, Inc. closes 30.6% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Account Recovery Services, Inc.'s 36 filings include narrative text
44.4% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Account Recovery Services, Inc. complaint mix by product
- Debt collection 33 91.7% – 30% relief
- Credit reporting 2 5.6% – 0% relief
- Credit reporting, 1 2.8% – 100% relief
How Account Recovery Services, Inc.'s 36 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 33 |
| Credit reporting or other personal consumer reports | 2 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
Concentrated filing states for Account Recovery Services, Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- AZ
- 47.2% of this company's filings
Account Recovery Services, Inc. falling annual filings
Annual filing volume from the CFPB public database
- 2026
- 3
- -25% vs 2014
Top States
| State | Complaints |
|---|---|
| AZ | 17 |
| TX | 4 |
| CA | 4 |
| NV | 3 |
| OH | 2 |
| NY | 1 |
| VA | 1 |
| WI | 1 |
| OR | 1 |
| FL | 1 |
| WA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 12 |
| Cont'd attempts collect debt not owed | 5 |
| Disclosure verification of debt | 4 |
| Communication tactics | 4 |
| Written notification about debt | 3 |
| False statements or representation | 3 |
| Incorrect information on your report | 2 |
| Took or threatened to take negative or legal action | 2 |
| Improper use of your report | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 4 | 100% |
| 2015 | 1 | 100% |
| 2016 | 3 | 100% |
| 2017 | 9 | 88.9% |
| 2018 | 5 | 100% |
| 2019 | 5 | 80% |
| 2022 | 1 | 100% |
| 2023 | 1 | 0% |
| 2024 | 2 | 50% |
| 2025 | 2 | 100% |
| 2026 | 3 | 100% |
Source: CFPB Consumer Complaint Database
Account Recovery Services, Inc. filings cluster in one product
Account Recovery Services, Inc.'s 36 logged complaints stay concentrated: only 11 states show a filing. 44.4% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2014 through 2026-05-14.
Account Recovery Services, Inc. answers 88.9% of complaints inside the CFPB's tracked window and closes 69.4% with a written explanation. 30.6% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Attempts to collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Account Recovery Services, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Account Recovery Services, Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 36.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 88.9%.
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.
Data sourced from official public datasets for Account Recovery Services, Inc. (88.9% timely; 30.6% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration