American Recovery Service Incorporated

What the CFPB Record Shows for American Recovery Service Incorporated

American Recovery Service Incorporated sits at #563 of 656 debt collectors in this extract by debt-collection complaint volume (14th percentile), the same ordering shown on /collectors. American Recovery Service Incorporated has 115 debt-collection complaints on file with the CFPB, which represents 87.1% of the 132 total complaints the Bureau has received about this entity. Reports have originated from consumers in 30 states and territories, making this a multi-state collection operation as measured by complaint volume. Consumers most frequently describe "Credit card debt" as the debt type behind their complaint about this collector. The single most-cited specific issue is "Attempts to collect debt not owed" - a useful starting point for understanding where the friction between this collector and consumers most frequently occurs.

Within the Bureau's 15-day response window, this company answers 98.5% of forwarded complaints. That figure meets the industry benchmark and indicates an intake process that is functioning on schedule. Of resolved cases, 3% closed with monetary or non-monetary relief to the consumer, which is a notably low relief ratio and worth weighing against the disputed-response percentage. The response was formally disputed in 25.8% of resolved cases, indicating how frequently the initial fix fell short.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.

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