What is the most common complaint against Access Receivables of NC Inc.?

The most common issue consumers report about Access Receivables of NC Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 141 complaints filed with the CFPB.

Are complaints against Access Receivables of NC Inc. increasing or decreasing?

Complaints against Access Receivables of NC Inc. are falling. The company received 21 complaints in the last 12 months, showing improvement over prior periods.

What is Access Receivables of NC Inc.'s reputation grade?

Access Receivables of NC Inc. has a reputation grade of C (score: 57.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Access Receivables of NC Inc. respond to consumer complaints?

Access Receivables of NC Inc. has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 15% of cases.

In how many states does Access Receivables of NC Inc. operate?

Access Receivables of NC Inc. has received CFPB complaints from consumers in 32 states, with the most complaints from Virginia (25 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Access Receivables of NC Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 32 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

48
Communication tactics

22
False statements or representation

16
Cont'd attempts collect debt not owed

16
Written notification about debt

13
Disclosure verification of debt

10

Data updated September 2026

CFPB complaint disposition

CCDB record access-receivables-of-nc-inc Access Receivables of NC Inc.

Grade C · 141 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed · vol #681 · compose #2867

VOL 141
GRADE C
12MO 21
STATES 32
TIMELY 99%
DISPUTE 15%
ISSUE Attempts to collect debt n…
RANK #681
COMPOSE #2,867

Volume peers

Nearest volume peer: Everest Receivable Services Inc. (141 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Access Receivables of NC Inc.'s 141 CFPB complaints sit next to Everest Receivable Services Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Filing geometry

Virginia is the plurality state for Access Receivables of NC Inc. (17.7%)

Volume rank #681 and composite rank #2,867 diverge by 2,186 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Virginia 17.7%; Mid-band (15–30%) · 32 states with ≥1 filing
Seasonal peak: 2025-11 10.6%; 8–15% band · 15 filings
Divergent corpus ranks: #681 volume; #2,867 composite; Cleanest-composite ladder is 2,186 places worse than volume

How does Access Receivables of NC Inc. compare to its peers?

How does Access Receivables of NC Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Access Receivables of … National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

99%

91%

Consumer-dispute ratelower is better

15%

17%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	48
Communication tactics	22
False statements or representation	16
Cont'd attempts collect debt not owed	16
Written notification about debt	13
Disclosure verification of debt	10
Threatened to contact someone or share information improperly	6
Took or threatened to take negative or legal action	4
Improper contact or sharing of info	4
Electronic communications	2

Where do complaints against Access Receivables of NC Inc. come from?

Access Receivables of NC Inc.'s own per-state count, not a national baseline.

Virginia

25
California

12
Maryland

10
Texas

8
Georgia

7
Pennsylvania

7
Florida

6
North Carolina

6

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Access Receivables of NC Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 141.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.56115107913669%.

4 peers

Know your rights before responding to Access Receivables of NC Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.