CFPB · Single-product concentration
American Recovery Service Incorporated
140 CFPB complaints · 87.1% in "Debt collection" · top issue Attempts to collect debt not owed.
American Recovery Service Incorporated: 87.1% of 140 CFPB complaints sit in "Debt collection". Timely 98.6% · relief 2.9%. Allegations, not findings.
- Single-product concentration
- +1000% filings 2013 to 2026
CFPB relief outcome brief
CCDB company american-recovery-service-incorporated
2.9% relief · 98.6% timely · 140 filings · Debt collection
Same-product relief peers
Nearest relief peer: Professional Recovery Management (2.9% relief)
American Recovery Service Incorporated closes 2.9% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of American Recovery Service Incorporated's 140 filings include narrative text
40% 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.
American Recovery Service Incorporated complaint mix by product
- Debt collection 122 87.1% – 3% relief
- Credit reporting 9 6.4% – 0% relief
- Credit reporting, 4 2.9% – 0% relief
- Credit card 2 1.4% – 0% relief
- Debt or 1 0.7% – 0% relief
- Credit card 1 0.7% – 0% relief
- Checking or 1 0.7% – 0% relief
How American Recovery Service Incorporated's 140 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 122 |
| Credit reporting or other personal consumer reports | 9 |
| Credit reporting, credit repair services, or other personal consumer reports | 4 |
| Credit card or prepaid card | 2 |
| Debt or credit management | 1 |
| Credit card | 1 |
| Checking or savings account | 1 |
Where American Recovery Service Incorporated complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 20.7% of this company's filings
American Recovery Service Incorporated rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 11
- +1000% vs 2013
Top States
| State | Complaints |
|---|---|
| CA | 29 |
| FL | 16 |
| NY | 12 |
| GA | 8 |
| TX | 8 |
| OH | 7 |
| NJ | 6 |
| IL | 5 |
| CO | 5 |
| PA | 4 |
| CT | 4 |
| AZ | 4 |
| NC | 3 |
| WA | 3 |
| TN | 3 |
| IN | 3 |
| NV | 2 |
| WI | 2 |
| LA | 2 |
| VA | 2 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 36 |
| Written notification about debt | 20 |
| Cont'd attempts collect debt not owed | 17 |
| False statements or representation | 14 |
| Communication tactics | 13 |
| Took or threatened to take negative or legal action | 9 |
| Incorrect information on your report | 9 |
| Disclosure verification of debt | 9 |
| Threatened to contact someone or share information improperly | 3 |
| Improper use of your report | 2 |
| Fees or interest | 2 |
| Unauthorized withdrawals or charges | 1 |
| Problem with a company's investigation into an existing problem | 1 |
| Problem with a purchase shown on your statement | 1 |
| Improper contact or sharing of info | 1 |
| Managing an account | 1 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 1 | 100% |
| 2014 | 9 | 100% |
| 2015 | 8 | 75% |
| 2016 | 11 | 100% |
| 2017 | 9 | 100% |
| 2018 | 6 | 100% |
| 2019 | 10 | 100% |
| 2020 | 6 | 100% |
| 2021 | 9 | 100% |
| 2022 | 8 | 100% |
| 2023 | 13 | 100% |
| 2024 | 20 | 100% |
| 2025 | 19 | 100% |
| 2026 | 11 | 100% |
Source: CFPB Consumer Complaint Database
American Recovery Service Incorporated filings cluster in one product
American Recovery Service Incorporated's 140 logged complaints stay concentrated: only 31 states show a filing. 40% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2026-05-16.
American Recovery Service Incorporated answers 98.6% of complaints inside the CFPB's tracked window and closes 89.3% with a written explanation. 2.9% 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 American Recovery Service Incorporated.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for American Recovery Service Incorporated: 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: 140.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 98.6%.
- Block, Inc. Δ 0.0 pts · 66.9K complaints 98.6%timely
- Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) Δ 0.0 pts · 4.0K complaints 98.6%timely
- RoundPoint Mortgage Servicing LLC Δ 0.0 pts · 3.0K complaints 98.6%timely
- Foris DAX, Inc. Δ 0.0 pts · 1.1K complaints 98.6%timely
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 American Recovery Service Incorporated (98.6% timely; 2.9% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration