Arc — Consumer Response Profile
How this company responds to consumer inquiries (CFPB data) • Period: 2023-present • Last verified: 2026-03-25
Resolution Rate
100.0%
Consumer inquiries resolved successfully
Timely Response
100.0%
Responded within 15-day window
Total Interactions
26,034
Consumer interactions on record
Services Used by Consumers
Credit card 33.4%
Credit card or prepaid card 29.2%
Credit reporting or other personal consumer reports 14.1%
Credit reporting, credit repair services, or other personal consumer reports 10.4%
Debt collection 9.5%
Consumer Feedback Categories
Problem with a purchase shown on your statement 16.9%
Incorrect information on your report 13.0%
Improper use of your report 8.1%
Other features, terms, or problems 6.7%
Getting a credit card 5.9%
Response Breakdown
Closed with explanation 21509 (82.6%)
Closed with monetary relief 3253 (12.5%)
Closed with non-monetary relief 694 (2.7%)
In progress 351 (1.3%)
Closed with relief 118 (0.5%)
Closed without relief 102 (0.4%)
Closed 6 (0.0%)
Untimely response 1 (0.0%)
Understanding This Data
The Consumer Financial Protection Bureau (CFPB) tracks how financial companies respond to consumer inquiries. This profile shows Arc's responsiveness and resolution track record.
- Resolution Rate — How often the company resolves consumer inquiries with a satisfactory outcome (monetary or non-monetary relief).
- Timely Response Rate — How consistently the company responds within the required 15-day window — a sign of operational responsiveness.
- Services Used — Which product categories consumers interact with most frequently.
- Feedback Categories — The types of inquiries consumers submit most often.
Higher resolution and timely response rates indicate strong consumer service operations. Volume of interactions is not a quality indicator — larger, more established companies naturally handle more consumer inquiries.
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