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

CFPB complaint data Grade C 141 complaints

Access Receivables of NC Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 32 states, reputation grade C.

Complaints by issue type

What consumers report about Access Receivables of NC Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 60.7/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: Access Receivables of NC Inc. ranks ahead of 45% of the 5,283 collectors PlainCollector grades - 55% keep a cleaner CFPB record, on 141 all-time complaints and a 99% timely-response rate.

45th pct
reputation rank of 5,283 graded collectors
141
CFPB complaints, all-time
99%
answered inside the CFPB window
21
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Access Receivables of NC Inc.?

Access Receivables of NC Inc. has accumulated 141 total CFPB complaints across 32 states, with 21 filed in the most recent 12 months against 120 historical complaints before that window. The trailing-12-month volume represents 14.9% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 99% timely-response rate against a 15% consumer-dispute-after-response rate.

Complaints have been recorded across 32 states, led by Virginia with 25 and California with 12. Normalized against the full CFPB collector database, the reputation score of 60.7/100 places Access Receivables of NC Inc. in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

141

mid-volume (CCDB)

Last 12 months

21

14.9% of all-time complaints

Falling ↓

States active

32

multi-region footprint

Timely response rate

99%

excellent band

Consumer disputes

15%

average (vertical avg ~19%)

Reputation grade

C

60.7/100 composite

How does Access Receivables of NC Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

61 45th percentile higher than 45% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Access Receivables of NC Inc. versus the debt-collection vertical average.

Timely response within SLA 98.6%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 14.7%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 57.1%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
Access Receivables of … National average
Complaints (last 12 mo)lower is better
21
27
268
Timely-response ratehigher is better
99%
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 Sub-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.

Top states by complaints against Access Receivables of NC Inc.

Across 32 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Access Receivables of NC Inc. contacts you

A grade of C signals how Access Receivables of NC Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Access Receivables of NC Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Access Receivables of NC Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 60.7/100), 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).

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

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.