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Data / Consumer complaints / American Recovery Service Incorporated / Debt collection

American Recovery Service Incorporated: 45 CFPB complaints about debt collection, last 3 years

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

American Recovery Service Incorporated drew 45 consumer complaints about debt collection in the CFPB database in the three years to November 6, 2026, 80.4% of its 56 complaints in that time. The most common issue was “Attempts to collect debt not owed”. The company responded on time to 100.0% of them, and 0.0% closed with monetary or other relief.

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

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  • 45Complaints, last 3 years
  • 80.4%Share of the company's complaints
  • 100.0%Responded on time
  • 0.0%Closed with relief
  • Sep 23, 2026Latest received

By period

The three years are cut into 12 month periods ending on the date of the latest data.

PeriodComplaintsShare
12 months to Nov 6, 20261226.7%
12 months to Nov 6, 20252044.4%
12 months to Nov 6, 20241328.9%

Issues

IssueComplaintsShare
Attempts to collect debt not owed1533.3%
Written notification about debt920%
False statements or representation817.8%
Communication tactics613.3%
Took or threatened to take negative or legal action511.1%
Electronic communications12.2%
Threatened to contact someone or share information improperly12.2%

How the company responded

Company responseComplaintsShare
Closed with explanation45100%

States

Where the consumers who complained live, as they gave it to the CFPB.

StateComplaintsShare
California920%
Florida715.6%
New York715.6%
Texas48.9%
New Jersey36.7%
Ohio36.7%
Connecticut24.4%
Illinois24.4%
Alabama12.2%
Colorado12.2%
Kansas12.2%
Michigan12.2%
Mississippi12.2%
Nevada12.2%
Washington12.2%
Wisconsin12.2%

Latest 25 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
July 24, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
July 24, 2026Debt collectionElectronic communicationsClosed 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
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
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 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

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.