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 2026-08-14
- 56
- Total complaints
- Mid-range
- 2
- Last 12 months
- 89.3%
- Timely response
- Bottom quartile
- 8
- States affected
The verdict
56 CFPB complaints put Account Recovery Specialists, Inc. at #1729 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 89.3%, the 17th percentile among companies with 100+ complaints.
- #1729
- of 3,843 companies by volume
- 89.3%
- on time (17th pctile)
- Debt collection
- most-complained product
- 8
- 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 Specialists, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
89.3% Among the lowest higher than 17% 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 | 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. posts a 89.3% reply rate on forwarded complaints. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. Resolved cases drew a formal consumer-dispute rate of 16.7% - a rough measure of how often the first resolution missed the mark. 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 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?
CFPB complaints against Account Recovery Specialists, Inc. draw a 89.3% timely-response rate inside 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Account Recovery Specialists, Inc.: 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 (16.7% 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.