CFPB Debt Collection Complaint Ranking*:

#68 of 2,458 Companies

Lawsuits, Penalties, or Sanctions:

CHRISTENSEN v. FINANCIAL CREDIT SERVICE, INC. (January 8, 2016.) United States District Court, D. New Mexico. Civ. No. 15-0134KG/LF.

DIAZ v. ARA, Inc (September 4, 2014)  United States District Court, S.D. California, Case No. 14cv2018-WQH-NLS

Illinois Attorney General files suit against Financial Credit Service for unfair pressure tactics including threats of criminal prosecution for non-payment of debts.

Location and Contact Details:

P.O. Box 5002
Villa Park, IL 60181-5002
Phone: (630) 396-8575
Phone: (888) 310-1550 
Fax: (888) 315-1550

Bruce Cohen, Chairman
Joel G. Cohen, Ethics Contact

Business Model:

Financial Credit Service, Inc. (FCS) is a debt buyer and debt collector and purchases outstanding debt from major banks and credit card companies. They also handle local retail collections.

FCS also does business as Asset Recovery Associates, Inc. (ARA Inc.).

Asset Recovery has an “F” rating from the Better Business Bureau and has been ordered by the State of Nevada to cease and desist collection operations there.

* Ranking determined by the overall number of debt collection complaints to the Consumer Financial Protection Bureau (CFPB) as of year-end 2015 and should be considered in context of company size and/or market share. See the CFPB debt collection complaint database in real-time here

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Michael F. Cardoza, Esq.
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U.S. Marine & Consumer Financial Protection Attorney helping victims of ID theft and Credit Reporting errors.