CFPB Consumer Complaint Profile
ARC Services
What 13 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-05-15
- 13
- Total complaints
- 0
- Last 12 months
- 30.8%
- Timely response
- 7
- States affected
The verdict
Out of 3,848 financial companies in the CFPB database, ARC Services has accumulated 13 complaints, placing it #3413 by volume. 30.8% of its complaints get an on-time reply, falling short of the 93% median for the 100+ complaint peer group.
- #3413
- of 3,848 companies by volume
- 30.8%
- answered on time
- Debt collection
- most-complained product
- 7
- 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 |
|---|---|
| 2014 | 2 |
| 2015 | 4 |
| 2016 | 2 |
| 2017 | 4 |
| 2018 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for ARC Services
The CFPB Consumer Complaint Database has logged 13 complaints against ARC Services overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 7 states and territories, making this a geographically concentrated 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 "Cont'd attempts collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
ARC Services's timely response rate stands at 30.8%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is well below the 95% industry benchmark and is a material red flag, late or missing responses are one of the strongest predictors of CFPB supervisory interest. In 0% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. 0% 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 ARC Services have?
The CFPB has logged 13 complaints against ARC Services to date, of which 0 came in over the last 12 months.
Does ARC Services respond to complaints on time?
ARC Services's CFPB timely-response rate is 30.8%. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for ARC Services?
Among all products tied to ARC Services, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with ARC Services?
Consumers most often cite "Cont'd attempts collect debt not owed" when complaining about ARC Services; the full issue list with counts is above.
How do I file a complaint against ARC Services?
You can file a complaint against ARC Services 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 ARC Services?
ARC Services has drawn CFPB complaints from 7 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 (~13)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.