CFPB Consumer Complaint Profile
Advanced Recovery Systems, Inc.
Behind the 58 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-05-15
- 58
- Total complaints
- 12
- Last 12 months
- 72.4%
- Timely response
- 9
- States affected
The verdict
Among 3,848 financial companies tracked by CFPB complaint volume, Advanced Recovery Systems, Inc. sits at #1699, with 58 complaints logged. Its on-time response rate is 72.4%, trailing the 93% median among companies with 100+ complaints.
- #1699
- of 3,848 companies by volume
- 72.4%
- answered on time
- Debt collection
- most-complained product
- 9
- 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 |
|---|---|
| 2013 | 1 |
| 2014 | 5 |
| 2015 | 5 |
| 2016 | 2 |
| 2017 | 3 |
| 2018 | 1 |
| 2019 | 4 |
| 2020 | 2 |
| 2021 | 4 |
| 2022 | 12 |
| 2023 | 4 |
| 2024 | 2 |
| 2025 | 9 |
| 2026 | 4 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Advanced Recovery Systems, Inc.
58 complaints against Advanced Recovery Systems, Inc. appear in the CFPB record, including 12 from the trailing year. The 9 states and territories represented put this footprint in geographically concentrated territory. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. The specific issue named most within that category is "Written notification about debt," a reasonable starting point for understanding recurring friction.
72.4% of CFPB-forwarded complaints against Advanced Recovery Systems, Inc. get a reply inside the Bureau's 15-day window. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. Consumers formally disputed the company's response in 0% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. 8.6% of resolved complaints ended with some monetary or non-monetary relief for 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 Advanced Recovery Systems, Inc. have?
The CFPB has logged 58 complaints against Advanced Recovery Systems, Inc. to date, of which 12 came in over the last 12 months.
Does Advanced Recovery Systems, Inc. respond to complaints on time?
Advanced Recovery Systems, Inc.'s CFPB timely-response rate is 72.4%. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Advanced Recovery Systems, Inc.?
"Debt collection" draws more CFPB complaints against Advanced Recovery Systems, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Advanced Recovery Systems, Inc.?
Consumers most often cite "Written notification about debt" when complaining about Advanced Recovery Systems, Inc.; the full issue list with counts is above.
How do I file a complaint against Advanced Recovery Systems, Inc.?
You can file a complaint against Advanced Recovery Systems, 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 Advanced Recovery Systems, Inc.?
Advanced Recovery Systems, Inc. has drawn CFPB complaints from 9 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 (~58)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.