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 2026-08-14
- 58
- Total complaints
- Mid-range
- 12
- Last 12 months
- 72.4%
- Timely response
- Bottom decile
- 9
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Advanced Recovery Systems, Inc. sits at #1697, with 58 complaints logged. Its on-time response rate is 72.4%, the 6th percentile among companies with 100+ complaints.
- #1697
- of 3,843 companies by volume
- 72.4%
- on time (6th pctile)
- Debt collection
- most-complained product
- 9
- 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.
Advanced Recovery Systems, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
72.4% Among the lowest higher than 6% 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 |
|---|---|
| 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 |
| 2026year in progress | 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.
CFPB-forwarded complaints against Advanced Recovery Systems, Inc. draw a 72.4% reply rate 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 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 8.6% 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 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Advanced Recovery Systems, 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 (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.