ARS National Services, Inc.
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 | 11 |
| 2014 | 29 |
| 2015 | 26 |
| 2016 | 27 |
| 2017 | 43 |
| 2018 | 42 |
| 2019 | 40 |
| 2020 | 57 |
| 2021 | 50 |
| 2022 | 47 |
| 2023 | 38 |
| 2024 | 42 |
| 2025 | 68 |
| 2026 | 2 |
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 ARS National Services, Inc.
The CFPB has logged 452 debt-collection complaints against ARS National Services, Inc., 86.6% of the 522 complaints filed against this entity overall. Consumers in 47 states and territories have filed reports, putting this collection operation in nationwide territory by complaint volume. Consumers most frequently describe "Credit card debt" as the debt type behind their complaint about this collector. "Attempts to collect debt not owed" comes up most often as the specific issue cited - worth a look for anyone trying to spot this collector's recurring pain point.
97.7% of CFPB-forwarded complaints against this company get a reply inside the Bureau's 15-day window. That clears the industry benchmark, a sign the intake process is functioning on schedule. 5.9% of resolved cases against this company closed with some form of consumer relief, a notably low ratio worth weighing against the disputed-response percentage. Consumers formally disputed the company's response in 6.7% of resolved cases, signalling how often the initial resolution failed to satisfy the complainant.
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 ARS National Services, Inc. have?
The CFPB has logged 452 debt-collection complaints against ARS National Services, Inc., 86.6% of all complaints filed against this company.
Does ARS National Services, Inc. respond to complaints on time?
ARS National Services, Inc.'s CFPB timely-response rate is 97.7%. This is considered excellent.
Does ARS National Services, Inc. provide relief to consumers?
ARS National Services, Inc. closed 5.9% of resolved complaints with some form of consumer relief, monetary or non-monetary.
What type of debt does ARS National Services, Inc. primarily collect?
Based on CFPB complaint records, ARS National Services, Inc.'s primary debt type is "Credit card debt"; the complete breakdown is shown above.
What rights do I have against ARS National Services, Inc.?
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 ARS National Services, Inc. active?
ARS National Services, Inc. has received consumer complaints from 47 states and territories, based on CFPB data.
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.