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 2026-08-14
- 132
- Total complaints
- Mid-range
- 14
- Last 12 months
- 98.5%
- Timely response
- Above median
- 30
- States affected
The verdict
American Recovery Service Incorporated ranks #1170 of 3,843 financial companies by CFPB complaint volume, with 132 complaints on record. Its on-time response rate is 98.5%, the 54th percentile among companies with 100+ complaints.
- #1170
- of 3,843 companies by volume
- 98.5%
- on time (54th pctile)
- Debt collection
- most-complained product
- 30
- 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.
American Recovery Service Incorporated vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
98.5% Higher than most higher than 54% 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 | 9 |
| 2015 | 8 |
| 2016 | 11 |
| 2017 | 9 |
| 2018 | 6 |
| 2019 | 10 |
| 2020 | 6 |
| 2021 | 9 |
| 2022 | 8 |
| 2023 | 13 |
| 2024 | 20 |
| 2025 | 19 |
| 2026year in progress | 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 posts a 98.5% reply rate on 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 carried a 25.8% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 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, 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 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for American Recovery Service Incorporated: 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 (25.8% 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.