CFPB Consumer Complaint Profile

A/R Concepts, Inc.

What 17 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.

Data updated 2026-05-15

17
Total complaints
0
Last 12 months
100%
Timely response
3
States affected

The verdict

Out of 3,848 financial companies in the CFPB database, A/R Concepts, Inc. has accumulated 17 complaints, placing it #3077 by volume. It answers 100% of complaints on time - above the 93% median for companies with 100+ complaints.

#3077
of 3,848 companies by volume
100%
answered on time
Debt collection
most-complained product
3
states with complaints
A/R Concepts, Inc. timely response rate 100.0%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - Medical 5
Debt collection - Other (i.e. phone, health club, etc.) 5
Debt collection - Medical debt 4
Debt collection - I do not know 2
Debt collection - Other debt 1

Top Issues

1.Cont'd attempts collect debt not owed 6
2.Disclosure verification of debt 3
3.Written notification about debt 3
4.Threatened to contact someone or share information improperly 1
5.Communication tactics 1
6.Attempts to collect debt not owed 1
7.Improper contact or sharing of info 1
8.Took or threatened to take negative or legal action 1

Complaints by Year

Year Complaints
2013 1
2014 4
2015 2
2016 3
2017 2
2019 1
2020 1
2021 1
2023 1
2024 1

Complaints by State (Top 15)

Illinois 15
Texas 1
Washington 1

Company Responses

Closed with explanation 16
Closed 1

What the CFPB Complaint Record Shows for A/R Concepts, Inc.

A/R Concepts, Inc. carries 17 complaints in the CFPB's database, 0 of them filed within the past 12 months. Consumers spanning 3 states and territories have weighed in, giving this a geographically concentrated footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Cont'd attempts collect debt not owed," a reasonable starting point for understanding recurring friction.

A/R Concepts, Inc.'s timely response rate stands at 100%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is at or above benchmark levels, a sign the company handles intake and escalation well. Consumers formally disputed the company's response in 18.2% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 0% closed with the consumer receiving monetary or non-monetary relief.

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/R Concepts, Inc. have?

17 complaints have been filed against A/R Concepts, Inc. with the CFPB overall - 0 of them in the past year.

Does A/R Concepts, Inc. respond to complaints on time?

100% of the CFPB complaints against A/R Concepts, Inc. get a response within the expected window. This is considered excellent.

What product generates the most complaints for A/R Concepts, Inc.?

"Debt collection" draws more CFPB complaints against A/R Concepts, Inc. than any other product - see the full breakdown above.

What is the most common complaint issue with A/R Concepts, Inc.?

"Cont'd attempts collect debt not owed" is the single most frequently cited issue in complaints against A/R Concepts, Inc. - see all issues and counts above.

How do I file a complaint against A/R Concepts, Inc.?

You can file a complaint against A/R Concepts, Inc. 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/R Concepts, Inc.?

A/R Concepts, Inc. has drawn CFPB complaints from 3 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.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.