American Recovery Service Incorporated
A federal complaint-record lookup, not a rating from us.
Debt Collector, CFPB Complaint Profile Specializes in: Credit card debt
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 1 |
| 2014 | 9 |
| 2015 | 8 |
| 2016 | 11 |
| 2017 | 9 |
| 2018 | 6 |
| 2019 | 10 |
| 2020 | 6 |
| 2021 | 9 |
| 2022 | 8 |
| 2023 | 13 |
| 2024 | 20 |
| 2025 | 19 |
| 2026 | 3 |
Complaints by State (Top 15)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for American Recovery Service Incorporated
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.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does American Recovery Service Incorporated have?
American Recovery Service Incorporated has 115 debt collection complaints filed with the CFPB, representing 87.1% of all complaints against this company.
Does American Recovery Service Incorporated respond to complaints on time?
American Recovery Service Incorporated has a 98.5% timely response rate. That puts it among the more responsive collectors in the CFPB dataset.
Does American Recovery Service Incorporated provide relief to consumers?
Of resolved complaints against American Recovery Service Incorporated, 3% ended with consumer relief of some kind.
What type of debt does American Recovery Service Incorporated primarily collect?
Based on CFPB complaint records, American Recovery Service Incorporated's primary debt type is "Credit card debt"; the complete breakdown is shown above.
What rights do I have against American Recovery Service Incorporated?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is American Recovery Service Incorporated active?
Consumers in 30 states and territories have filed CFPB complaints against American Recovery Service Incorporated.
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.