CFPB Consumer Complaint Profile
Atlantic Recovery Solutions LLC
What 445 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
- 445
- Total complaints
- 113
- Last 12 months
- 83.4%
- Timely response
- 44
- States affected
The verdict
Atlantic Recovery Solutions LLC ranks #542 of 3,848 financial companies by CFPB complaint volume, with 445 complaints on record. Its on-time response rate is 83.4%, trailing the 93% median among companies with 100+ complaints.
- #542
- of 3,848 companies by volume
- 83.4%
- answered on time
- Debt collection
- most-complained product
- 44
- 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 | 2 |
| 2014 | 22 |
| 2015 | 18 |
| 2016 | 17 |
| 2017 | 22 |
| 2018 | 18 |
| 2019 | 25 |
| 2020 | 33 |
| 2021 | 43 |
| 2022 | 32 |
| 2023 | 31 |
| 2024 | 49 |
| 2025 | 107 |
| 2026 | 26 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Atlantic Recovery Solutions LLC
445 complaints against Atlantic Recovery Solutions LLC appear in the CFPB record, including 113 from the trailing year. The 44 states and territories represented put this footprint in nationwide 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 "Communication tactics," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, Atlantic Recovery Solutions LLC answers 83.4% of forwarded complaints. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. The company's response was formally disputed in 9.2% of resolved cases, indicating how frequently the initial fix fell short. Of complaints that were resolved, 0.2% 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 Atlantic Recovery Solutions LLC have?
The CFPB has logged 445 complaints against Atlantic Recovery Solutions LLC to date, of which 113 came in over the last 12 months.
Does Atlantic Recovery Solutions LLC respond to complaints on time?
Atlantic Recovery Solutions LLC has a 83.4% timely response rate to CFPB complaints.
What product generates the most complaints for Atlantic Recovery Solutions LLC?
"Debt collection" draws more CFPB complaints against Atlantic Recovery Solutions LLC than any other product - see the full breakdown above.
What is the most common complaint issue with Atlantic Recovery Solutions LLC?
"Communication tactics" is the single most frequently cited issue in complaints against Atlantic Recovery Solutions LLC - see all issues and counts above.
How do I file a complaint against Atlantic Recovery Solutions LLC?
You can file a complaint against Atlantic Recovery Solutions 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 Atlantic Recovery Solutions LLC?
Consumers in 44 states and territories have filed complaints about Atlantic Recovery Solutions 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~445)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.