CFPB Consumer Complaint Profile
Account Recovery Specialists, Inc.
Consumers have filed 56 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
- 56
- Total complaints
- 2
- Last 12 months
- 89.3%
- Timely response
- 8
- States affected
The verdict
56 CFPB complaints put Account Recovery Specialists, Inc. at #1731 out of 3,848 financial companies ranked by complaint volume. Its on-time response rate is 89.3%, trailing the 93% median among companies with 100+ complaints.
- #1731
- of 3,848 companies by volume
- 89.3%
- answered on time
- Debt collection
- most-complained product
- 8
- 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 |
|---|---|
| 2014 | 3 |
| 2015 | 4 |
| 2016 | 3 |
| 2017 | 3 |
| 2018 | 5 |
| 2019 | 6 |
| 2020 | 6 |
| 2021 | 9 |
| 2022 | 10 |
| 2023 | 1 |
| 2024 | 3 |
| 2025 | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Account Recovery Specialists, Inc.
The CFPB Consumer Complaint Database has logged 56 complaints against Account Recovery Specialists, Inc. overall, with 2 of those filed in the trailing 12 months. Reports have come from consumers in 8 states and territories, making this a geographically concentrated complaint footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, Account Recovery Specialists, Inc. answers 89.3% of forwarded complaints. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. In 16.7% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. 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 Account Recovery Specialists, Inc. have?
Account Recovery Specialists, Inc. has 56 total consumer complaints filed with the CFPB, with 2 filed in the last 12 months.
Does Account Recovery Specialists, Inc. respond to complaints on time?
89.3% of the CFPB complaints against Account Recovery Specialists, Inc. get a response within the expected window.
What product generates the most complaints for Account Recovery Specialists, Inc.?
The most complained-about product for Account Recovery Specialists, Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Account Recovery Specialists, Inc.?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Account Recovery Specialists, Inc. - see all issues and counts above.
How do I file a complaint against Account Recovery Specialists, Inc.?
You can file a complaint against Account Recovery Specialists, 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 Account Recovery Specialists, Inc.?
Account Recovery Specialists, Inc. has drawn CFPB complaints from 8 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 (~56)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.