CFPB Consumer Complaint Profile
Account Recovery Services, Inc. (Texas)
18 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 18
- Total complaints
- Below average
- 0
- Last 12 months
- 100%
- Timely response
- Top decile
- 3
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Account Recovery Services, Inc. (Texas) sits at #3004, with 18 complaints logged. Its on-time response rate is 100%, the 86th percentile among companies with 100+ complaints.
- #3004
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Debt collection
- most-complained product
- 3
- 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.
Account Recovery Services, Inc. (Texas) vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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
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 |
|---|---|
| 2014 | 2 |
| 2016 | 1 |
| 2017 | 1 |
| 2018 | 9 |
| 2019 | 3 |
| 2020 | 1 |
| 2021 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Account Recovery Services, Inc. (Texas)
18 complaints against Account Recovery Services, Inc. (Texas) appear in the CFPB record, including 0 from the trailing year. The 3 states and territories represented put this footprint in geographically concentrated territory. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Communication tactics" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Account Recovery Services, Inc. (Texas) posts a 100% reply rate on forwarded complaints. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Consumers formally disputed the company's response at a 0% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0% rate.
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 Account Recovery Services, Inc. (Texas) have?
18 complaints have been filed against Account Recovery Services, Inc. (Texas) with the CFPB overall - 0 of them in the past year.
Does Account Recovery Services, Inc. (Texas) respond to complaints on time?
Account Recovery Services, Inc. (Texas) has a 100% timely response rate to CFPB complaints. This is considered excellent.
What product generates the most complaints for Account Recovery Services, Inc. (Texas)?
"Debt collection" draws more CFPB complaints against Account Recovery Services, Inc. (Texas) than any other product - see the full breakdown above.
What is the most common complaint issue with Account Recovery Services, Inc. (Texas)?
Consumers most often cite "Communication tactics" when complaining about Account Recovery Services, Inc. (Texas); the full issue list with counts is above.
How do I file a complaint against Account Recovery Services, Inc. (Texas)?
You can file a complaint against Account Recovery Services, Inc. (Texas) 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 Account Recovery Services, Inc. (Texas)?
The CFPB has recorded complaints against Account Recovery Services, Inc. (Texas) from 3 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Account Recovery Services, Inc. (Texas): 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.