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 2026-08-14
- 183
- Total complaints
- Mid-range
- 102
- Last 12 months
- 0%
- Timely response
- Bottom decile
- 31
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, A & O Recovery Solutions, LLC has accumulated 183 complaints, placing it #989 by volume. Its on-time response rate is 0%, the 0th percentile among companies with 100+ complaints.
- #989
- of 3,843 companies by volume
- 0%
- on time (0th pctile)
- Debt collection
- most-complained product
- 31
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
A & O Recovery Solutions, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
0% Among the lowest in the bottom 1% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 18 in 2024 to 73 in 2025 (2024 → 2025).
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 |
| 2026year in progress | 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 carried a 0% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 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, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for A & O Recovery Solutions, LLC: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (0% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.