CFPB Consumer Complaint Profile
American Recovery Service Incorporated
Consumers have filed 132 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
- 132
- Total complaints
- 14
- Last 12 months
- 98.5%
- Timely response
- 30
- States affected
The verdict
American Recovery Service Incorporated ranks #1172 of 3,848 financial companies by CFPB complaint volume, with 132 complaints on record. Its on-time response rate is 98.5%, ahead of the 93% median among companies with 100+ complaints.
- #1172
- of 3,848 companies by volume
- 98.5%
- answered on time
- Debt collection
- most-complained product
- 30
- 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 | 9 |
| 2015 | 8 |
| 2016 | 11 |
| 2017 | 9 |
| 2018 | 6 |
| 2019 | 10 |
| 2020 | 6 |
| 2021 | 9 |
| 2022 | 8 |
| 2023 | 13 |
| 2024 | 20 |
| 2025 | 19 |
| 2026 | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for American Recovery Service Incorporated
The CFPB Consumer Complaint Database has logged 132 complaints against American Recovery Service Incorporated overall, with 14 of those filed in the trailing 12 months. Reports have come from consumers in 30 states and territories, making this a multi-regional complaint footprint. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. 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, American Recovery Service Incorporated answers 98.5% of forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. The company's response was formally disputed in 25.8% of resolved cases, indicating how frequently the initial fix fell short. Of complaints that were resolved, 3% 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 American Recovery Service Incorporated have?
132 complaints have been filed against American Recovery Service Incorporated with the CFPB overall - 14 of them in the past year.
Does American Recovery Service Incorporated respond to complaints on time?
American Recovery Service Incorporated has a 98.5% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for American Recovery Service Incorporated?
"Debt collection" draws more CFPB complaints against American Recovery Service Incorporated than any other product - see the full breakdown above.
What is the most common complaint issue with American Recovery Service Incorporated?
Consumers most often cite "Attempts to collect debt not owed" when complaining about American Recovery Service Incorporated; the full issue list with counts is above.
How do I file a complaint against American Recovery Service Incorporated?
You can file a complaint against American Recovery Service Incorporated 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 American Recovery Service Incorporated?
The CFPB has recorded complaints against American Recovery Service Incorporated from 30 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~132)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.