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Data / Consumer complaints / American Recovery Service Incorporated

American Recovery Service Incorporated: 56 CFPB consumer complaints in the last 3 years

Updated November 7, 2026. Source: CFPB Consumer Complaint Database.

American Recovery Service Incorporated drew 56 consumer complaints in the CFPB database in the three years to November 6, 2026, and 144 since 2013. The largest group, 45, was about debt collection, and the most common issue was “Attempts to collect debt not owed” with 15. The company responded on time to 100.0% of the complaints, and 0.0% closed with monetary or other relief.

The request: Watch American Recovery Service Incorporated: each new CFPB complaint by product and issue, with the date and the company response. $10 of work on sign-up, no card.

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  • 56Complaints, last 3 years
  • 144Complaints, all years
  • 100.0%Responded on time
  • 0.0%Closed with relief
  • 4Products
  • Sep 23, 2026Latest received

Complaints by year

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

YearComplaints
2026, to Nov 615
202519
202420
202313
20228
20219
20206
201910
20186
20179
201611
20158
20149
20131

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 collection4580.4%
Credit reporting or other personal consumer reports916.1%
Credit card11.8%
Debt or credit management11.8%

Issues

IssueComplaintsShare
Attempts to collect debt not owed1526.8%
Written notification about debt916.1%
False statements or representation814.3%
Communication tactics610.7%
Incorrect information on your report610.7%
Took or threatened to take negative or legal action58.9%
Improper use of your report23.6%
Didn't provide services promised11.8%
Electronic communications11.8%
Problem with a company's investigation into an existing problem11.8%
Problem with a purchase shown on your statement11.8%
Threatened to contact someone or share information improperly11.8%

How the company responded

Company responseComplaintsShare
Closed with explanation56100%

States

StateComplaintsShare
California1119.6%
New York1017.9%
Florida916.1%
Texas58.9%
Ohio47.1%
New Jersey35.4%
Connecticut23.6%
Illinois23.6%
Alabama11.8%
Colorado11.8%
Georgia11.8%
Kansas11.8%
Maryland11.8%
Michigan11.8%
Mississippi11.8%
Nevada11.8%
Washington11.8%
Wisconsin11.8%

Latest 50 complaints

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

ReceivedProductIssueCompany responseSource
September 23, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 15, 2026Debt or credit managementDidn't provide services promisedClosed with explanationconsumerfinance.gov
July 24, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
July 24, 2026Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
July 16, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
May 16, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 24, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
April 20, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 1, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
March 25, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
March 24, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
March 7, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
March 3, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
February 8, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
January 7, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
November 24, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 24, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
August 20, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 18, 2025Credit cardProblem with a purchase shown on your statementClosed with explanationconsumerfinance.gov
August 4, 2025Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
July 27, 2025Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
July 18, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 17, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 13, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 1, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 8, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
March 19, 2025Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
March 8, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
March 4, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
February 18, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
February 7, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
January 31, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
January 7, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
January 3, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
December 23, 2024Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
December 19, 2024Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
December 18, 2024Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
December 18, 2024Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
December 5, 2024Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
November 23, 2024Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
November 12, 2024Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 21, 2024Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 20, 2024Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
August 14, 2024Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 6, 2024Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
July 18, 2024Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
July 15, 2024Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
April 11, 2024Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
March 19, 2024Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
March 18, 2024Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov

Also on SpecStream

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.