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Data / Consumer complaints / A & O Recovery Solutions, LLC

A & O Recovery Solutions, LLC: 169 CFPB consumer complaints in the last 3 years

A & O Recovery Solutions, LLC drew 169 consumer complaints in the CFPB database in the three years to November 6, 2026, and 226 since 2015. The largest group, 131, was about debt collection, and the most common issue was “Took or threatened to take negative or legal action” with 64. The company responded on time to 0.0% of the complaints, and 0.0% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

Watch this company's complaintsGet every debt collection companyGet debt collection in Georgia
  • 169Complaints, last 3 years
  • 226Complaints, all years
  • 0.0%Responded on time
  • 0.0%Closed with relief
  • 3Products
  • Sep 19, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 678
202573
202418
20234
20225
202117
202010
20197
20184
20175
20164
20151

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Debt collection13177.5%
Credit reporting or other personal consumer reports3420.1%
Credit card42.4%

Issues

IssueComplaintsShare
Took or threatened to take negative or legal action6437.9%
Attempts to collect debt not owed4727.8%
Incorrect information on your report2313.6%
Problem with a company's investigation into an existing problem95.3%
Written notification about debt95.3%
Improper use of your report63.6%
False statements or representation53%
Communication tactics31.8%
Electronic communications31.8%

How the company responded

Company responseComplaintsShare
Untimely response169100%

States

StateComplaintsShare
Georgia4325.4%
California3520.7%
Arizona137.7%
Illinois127.1%
Virginia116.5%
North Carolina84.7%
Ohio63.6%
Pennsylvania63.6%
Texas53%
Kentucky42.4%
New Jersey42.4%
Connecticut31.8%
South Carolina31.8%
Florida21.2%
Iowa21.2%
Maryland21.2%
Michigan21.2%
District of Columbia10.6%
Massachusetts10.6%
Minnesota10.6%
Missouri10.6%
Nebraska10.6%
New York10.6%
Puerto Rico10.6%
Wisconsin10.6%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
September 19, 2026Credit cardImproper use of your reportUntimely responseconsumerfinance.gov
September 4, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportUntimely responseconsumerfinance.gov
September 2, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportUntimely responseconsumerfinance.gov
August 28, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
August 19, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
August 7, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
July 31, 2026Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
July 21, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportUntimely responseconsumerfinance.gov
July 21, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportUntimely responseconsumerfinance.gov
July 18, 2026Debt collectionFalse statements or representationUntimely responseconsumerfinance.gov
July 13, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
July 1, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
July 1, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
June 30, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
June 30, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
June 29, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
June 25, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
June 23, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
June 18, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
June 9, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
June 4, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
May 27, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
May 25, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
May 22, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportUntimely responseconsumerfinance.gov
May 18, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
May 13, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
May 12, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
May 6, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
April 29, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
April 24, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
April 23, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportUntimely responseconsumerfinance.gov
April 18, 2026Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
April 18, 2026Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
April 3, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
April 3, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
April 2, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
March 24, 2026Debt collectionCommunication tacticsUntimely responseconsumerfinance.gov
March 18, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemUntimely responseconsumerfinance.gov
March 17, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
March 16, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
March 11, 2026Debt collectionElectronic communicationsUntimely responseconsumerfinance.gov
March 11, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
March 9, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportUntimely responseconsumerfinance.gov
March 8, 2026Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
March 8, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemUntimely responseconsumerfinance.gov
March 7, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
March 6, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
March 4, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemUntimely responseconsumerfinance.gov
March 1, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemUntimely responseconsumerfinance.gov
February 26, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.