CFPB Consumer Complaint Profile
A & O Recovery Solutions, LLC
Consumers have filed 183 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-05-15
- 183
- Total complaints
- 102
- Last 12 months
- 0%
- Timely response
- 31
- States affected
The verdict
Out of 3,848 financial companies in the CFPB database, A & O Recovery Solutions, LLC has accumulated 183 complaints, placing it #991 by volume. Its on-time response rate is 0%, trailing the 93% median among companies with 100+ complaints.
- #991
- of 3,848 companies by volume
- 0%
- answered on time
- Debt collection
- most-complained product
- 31
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2015 | 1 |
| 2016 | 4 |
| 2017 | 5 |
| 2018 | 4 |
| 2019 | 7 |
| 2020 | 10 |
| 2021 | 17 |
| 2022 | 5 |
| 2023 | 4 |
| 2024 | 18 |
| 2025 | 73 |
| 2026 | 35 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for A & O Recovery Solutions, LLC
183 complaints against A & O Recovery Solutions, LLC appear in the CFPB record, including 102 from the trailing year. The 31 states and territories represented put this footprint in multi-regional territory. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
A & O Recovery Solutions, LLC's timely response rate stands at 0%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. The company's response was formally disputed in 0% of resolved cases, indicating how frequently the initial fix fell short. Of complaints that were resolved, 0% closed with some form of monetary or non-monetary relief to the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does A & O Recovery Solutions, LLC have?
A & O Recovery Solutions, LLC has 183 total consumer complaints filed with the CFPB, with 102 filed in the last 12 months.
Does A & O Recovery Solutions, LLC respond to complaints on time?
A & O Recovery Solutions, LLC's CFPB timely-response rate is 0%. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for A & O Recovery Solutions, LLC?
"Debt collection" draws more CFPB complaints against A & O Recovery Solutions, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with A & O Recovery Solutions, LLC?
Consumers most often cite "Attempts to collect debt not owed" when complaining about A & O Recovery Solutions, LLC; the full issue list with counts is above.
How do I file a complaint against A & O Recovery Solutions, LLC?
You can file a complaint against A & O Recovery Solutions, LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about A & O Recovery Solutions, LLC?
A & O Recovery Solutions, LLC has drawn CFPB complaints from 31 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~183)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.