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 2026-08-14
- 445
- Total complaints
- Above average
- 113
- Last 12 months
- 83.4%
- Timely response
- Bottom quartile
- 44
- States affected
The verdict
Atlantic Recovery Solutions LLC ranks #541 of 3,843 financial companies by CFPB complaint volume, with 445 complaints on record. Its on-time response rate is 83.4%, the 11th percentile among companies with 100+ complaints.
- #541
- of 3,843 companies by volume
- 83.4%
- on time (11th pctile)
- Debt collection
- most-complained product
- 44
- 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.
Atlantic Recovery Solutions LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
83.4% Among the lowest higher than 11% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 49 in 2024 to 107 in 2025 (2024 → 2025).
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 |
| 2026year in progress | 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 posts a 83.4% reply rate on forwarded complaints. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. The company's response carried a 9.2% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 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, 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 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Atlantic Recovery Solutions LLC: 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 (9.2% 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.