CFPB Consumer Complaint Profile
Arco Collection Services LLC
Consumers have filed 20 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
- 20
- Total complaints
- Mid-range
- 4
- Last 12 months
- 20%
- Timely response
- Bottom decile
- 6
- States affected
The verdict
20 CFPB complaints put Arco Collection Services LLC at #2861 out of 3,843 financial companies ranked by complaint volume. It posts a 20% on-time response rate, the 1st percentile among companies with 100+ complaints.
- #2861
- of 3,843 companies by volume
- 20%
- on time (1st pctile)
- Debt collection
- most-complained product
- 6
- 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.
Arco Collection Services LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
20% Among the lowest higher than 1% 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 |
|---|---|
| 2019 | 3 |
| 2020 | 1 |
| 2021 | 4 |
| 2022 | 3 |
| 2023 | 1 |
| 2024 | 3 |
| 2025 | 4 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Arco Collection Services LLC
20 complaints against Arco Collection Services LLC appear in the CFPB record, including 4 from the trailing year. The 6 states and territories represented put this footprint in geographically concentrated territory. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Written notification about debt," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, Arco Collection Services LLC posts a 20% reply rate on forwarded complaints. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. Among resolved complaints, 0% 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 Arco Collection Services LLC have?
The CFPB has logged 20 complaints against Arco Collection Services LLC to date, of which 4 came in over the last 12 months.
Does Arco Collection Services LLC respond to complaints on time?
Arco Collection Services LLC's CFPB timely-response rate is 20%. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for Arco Collection Services LLC?
The most complained-about product for Arco Collection Services LLC is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Arco Collection Services LLC?
"Written notification about debt" is the single most frequently cited issue in complaints against Arco Collection Services LLC - see all issues and counts above.
How do I file a complaint against Arco Collection Services LLC?
You can file a complaint against Arco Collection Services LLC 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 Arco Collection Services LLC?
Consumers in 6 states and territories have filed complaints about Arco Collection Services LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
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.