Total CFPB complaints
139
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 139 complaints
Access Receivables of NC Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 32 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Access Receivables of NC Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
45 complaints
- Communication tactics
Communication tactics
19 complaints
- Cont'd attempts collect debt not owed 16
Cont'd attempts collect debt not owed
16 complaints
- False statements or representation 15
False statements or representation
15 complaints
- Written notification about debt 11
Written notification about debt
11 complaints
- Disclosure verification of debt 6
Disclosure verification of debt
6 complaints
C
Grade C · 60.7/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Access Receivables of NC Inc.?
Access Receivables of NC Inc. has accumulated 139 total CFPB complaints across 32 states, with 22 filed in the most recent 12 months against 117 historical complaints before that window. The trailing-12-month volume represents 15.8% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 15% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 32 states, led by Virginia with 25 and California with 12, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 60.7/100 places Access Receivables of NC Inc. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
22
15.8% of total history
Rising ↑
States active
32
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
15%
After company response
Reputation grade
C
60.7/100 composite
Response-quality profile
How Access Receivables of NC Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 29.4%
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?
Access Receivables of … National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2023-05 2026-02
Top Consumer Issues
Attempts to collect debt not owed45 (%)
False statements or representation15 (%)
Written notification about debt11 (%)
Cont'd attempts collect debt not owed16 (%)
Communication tactics19 (%)
Disclosure verification of debt6 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 27 |
| False statements or representation | Attempted to collect wrong amount | 15 |
| Attempts to collect debt not owed | Debt was paid | 11 |
| Written notification about debt | Didn't receive enough information to verify debt | 11 |
| Cont'd attempts collect debt not owed | Debt is not mine | 10 |
| Communication tactics | Frequent or repeated calls | 10 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 9 |
| Attempts to collect debt not owed | Debt was result of identity theft | 7 |
| Disclosure verification of debt | Right to dispute notice not received | 6 |
| Cont'd attempts collect debt not owed | Debt was paid | 6 |
Where do complaints against Access Receivables of NC Inc. come from?
The states where consumers have filed the most CFPB complaints against Access Receivables of NC Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Access Receivables of NC Inc.
Across 32 states with at least one filing
- Virginia
Virginia
25 complaints
- California
California
12 complaints
- Maryland
Maryland
10 complaints
- Texas 7
Texas
7 complaints
- Georgia 7
Georgia
7 complaints
- Pennsylvania 7
Pennsylvania
7 complaints
- Florida 6
Florida
6 complaints
- North Carolina 6
North Carolina
6 complaints
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 139 complaints filed with the CFPB.
Are complaints against Access Receivables of NC Inc. increasing or decreasing? ▼
Complaints against Access Receivables of NC Inc. are rising. The company received 22 complaints in the last 12 months, indicating an upward trend in consumer issues.
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). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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).
What can I do if Access Receivables of NC Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Access Receivables of NC Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |