CFPB · Narrative-heavy record
Arco Collection Services LLC
21 CFPB complaints · 52.4% with narratives · top issue Written notification about debt.
Arco Collection Services LLC: 52.4% of 21 filings include consumer narratives. Timely 19% · relief 0% · top product Debt collection. Allegations, not findings.
- Narrative-heavy record
- -33.3% filings 2019 to 2026
CFPB relief outcome brief
CCDB company arco-collection-services-llc
0% relief · 19% timely · 21 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
Arco Collection Services LLC closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Arco Collection Services LLC's 21 filings include narrative text
52.4% 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.
Arco Collection Services LLC complaint mix by product
- Debt collection 14 66.7% – 0% relief
- Credit card 3 14.3% – 0% relief
- Payday loan, 1 4.8% – 0% relief
- Credit reporting 1 4.8% – 0% relief
- Checking or 1 4.8% – 0% relief
- Credit reporting, 1 4.8% – 0% relief
How Arco Collection Services LLC's 21 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 14 |
| Credit card | 3 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
| Credit reporting or other personal consumer reports | 1 |
| Checking or savings account | 1 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
Concentrated filing states for Arco Collection Services LLC
Top states by attributed CFPB complaint volume for this company
- Leading state
- TN
- 61.9% of this company's filings
Arco Collection Services LLC falling annual filings
Annual filing volume from the CFPB public database
- 2026
- 2
- -33.3% vs 2019
Top States
| State | Complaints |
|---|---|
| TN | 13 |
| CA | 3 |
| MS | 2 |
| TX | 1 |
| MI | 1 |
| WA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Written notification about debt | 5 |
| Took or threatened to take negative or legal action | 3 |
| Problem with a purchase shown on your statement | 3 |
| Attempts to collect debt not owed | 2 |
| Communication tactics | 2 |
| Charged fees or interest you didn't expect | 1 |
| Improper use of your report | 1 |
| Problem with a lender or other company charging your account | 1 |
| False statements or representation | 1 |
| Incorrect information on your report | 1 |
| Threatened to contact someone or share information improperly | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2019 | 3 | 33.3% |
| 2020 | 1 | 0% |
| 2021 | 4 | 75% |
| 2022 | 3 | 0% |
| 2023 | 1 | 0% |
| 2024 | 3 | 0% |
| 2025 | 4 | 0% |
| 2026 | 2 | 0% |
Source: CFPB Consumer Complaint Database
Arco Collection Services LLC's narrative-rich complaint ledger
Arco Collection Services LLC's 21 logged complaints stay concentrated: only 6 states show a filing. 52.4% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2019 through 2026-03-25.
Arco Collection Services LLC answers 19% of complaints inside the CFPB's tracked window and closes 38.1% with a written explanation. 0% 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 "Written notification about debt."
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 Arco Collection Services LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Arco Collection Services LLC: 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: 21.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 19%.
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 Arco Collection Services LLC (19% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record