Debt collection
American Recovery Service debt collection complaints
Consumers have filed 124 complaints about American Recovery Service's debt collection, 12 in the last 12 months (-40%). American Recovery Service answered 100% on time and closed 0% with relief. See the whole American Recovery Service record.
American Recovery Service against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | American Recovery Service | 12 | 100% | 0% |
Latest American Recovery Service debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Sep 23, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 24, 2026 | Debt collection | False statements or representationIndicated you were committing crime by not paying debt | Explained |
| Jul 24, 2026 | Debt collection | Electronic communicationsYou told them to stop contacting you, but they keep trying | Explained |
| May 16, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Apr 24, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Apr 20, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 25, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Mar 24, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Mar 7, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Mar 3, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Feb 8, 2026 | Debt collection | Took or threatened to take negative or legal actionCollected or attempted to collect exempt funds | Explained |
| Jan 7, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 24, 2025 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Aug 20, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 4, 2025 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Jul 27, 2025 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Jul 18, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jun 17, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 13, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 1, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 8, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 19, 2025 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Mar 8, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 4, 2025 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Feb 18, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Feb 7, 2025 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Jan 31, 2025 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Jan 7, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jan 3, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 23, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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