Card issuer · complaint record
Arco Collection Services complaints
Filed under Arco Collection Services LLC
Consumers have filed 21 complaints about Arco Collection Services since 2019, 3 of them in the last 12 months. It answered 0% on time and closed 0% with relief for the customer. The most common problem is problem with a purchase shown on your statement. It is the 31st most complained-about of 52 credit card companies this year.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 21
- Last 12 months
- 3
- Answered on time
- 0%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #31 of 52
Since May 2019
new vs the year before
Industry: 98.7%
Typical card issuer: 26%
Newest: Mar 25, 2026
Most complained-about credit card companies
Arco Collection Services complaints by month
The busiest month was March 2024 (3 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Arco Collection Services answered all time
- Closed with explanation838.1%
- Untimely response1361.9%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Arco Collection Services complaints are about
Top Arco Collection Services problems
Inside "Written notification about debt"
- Didn't receive enough information to verify debt 3
- Didn't receive notice of right to dispute 2
Where Arco Collection Services complaints come from
Most complaints: Tennessee (13), California (3), Mississippi (2), Texas (1), Washington (1).
Arco Collection Services compared with other credit card companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Mercury Financial IntermediateCredit cards | 54 | 206 | C |
| 2 | ExtoCredit cards | 36 | 201 | D |
| 3 | TomoCreditCredit cards | 50 | 92 | C |
| 4 | ZendableCredit cards | 58 | 48 | C |
| 5 | FizzCredit cards | 0 | 42 | F |
| 6 | Fidem BaltimoreCredit cards | 45 | 36 | D |
| 7 | Total CardCredit cards | 45 | 31 | D |
| 8 | Arco Collection ServicesCredit cards | - | 3 | - |
Compare side by side: Arco Collection Services vs Mercury Financial Intermediate · Arco Collection Services vs Exto · Arco Collection Services vs TomoCredit · Arco Collection Services vs Zendable
What people say about Arco Collection Services
All experiencesNo experiences with Arco Collection Services yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Arco Collection Services complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Mar 25, 2026 | Credit cards | Problem with a purchase shown on your statementCard was charged for something you did not purchase with the card | No timely reply |
| Feb 14, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| Nov 24, 2025 | Credit cards | Problem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statement | No timely reply |
| Jun 11, 2025 | Bank accounts | Problem with a lender or other company charging your accountTransaction was not authorized | No timely reply |
| Apr 21, 2025 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | No timely reply |
| Jan 3, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | No timely reply |
| Mar 30, 2024 | Credit cards | Problem with a purchase shown on your statementOvercharged for something you did purchase with the card | No timely reply |
| Mar 6, 2024 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | No timely reply |
| Mar 6, 2024 | Payday & personal loans | Charged fees or interest you didn't expect | No timely reply |
| Oct 19, 2023 | Debt collection | Took or threatened to take negative or legal actionSued you in a state where you do not live or did not sign for the debt | No timely reply |
| Jun 23, 2022 | Debt collection | Threatened to contact someone or share information improperlyContacted your employer | No timely reply |
| Apr 9, 2022 | Credit reporting | Incorrect information on your reportAccount status incorrect | No timely reply |
Questions about Arco Collection Services
How many complaints does Arco Collection Services have?
Arco Collection Services has 21 complaints on record since May 2019, including 3 in the last 12 months and 0 in the last 30 days. That makes it number 2,246 of every company by complaints this year.
Does Arco Collection Services respond to complaints?
Yes. Arco Collection Services answered 0% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Arco Collection Services?
The most common problems are problem with a purchase shown on your statement (3), took or threatened to take negative or legal action (3), written notification about debt (5).
Is Arco Collection Services legit?
Arco Collection Services is a real company with a public complaint record: consumers have complained about it 21 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Arco Collection Services legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Arco Collection Services?
Complain to Arco Collection Services in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Arco Collection Services complaints come from?
Most come from Tennessee (13), California (3), Mississippi (2). Big states file more complaints, so the map shows complaints per 100,000 people.
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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