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

CFPB complaint data Grade C 132 complaints

Account Discovery Systems, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 37 states, reputation grade C.

Complaints by issue type

What consumers report about Account Discovery Systems, LLC

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record account-discovery-systems-llc Account Discovery Systems, LLC

Grade C · 132 CFPB filings · 100% timely · lead issue: Communication tactics

  • VOL 132
  • GRADE C
  • 12MO 0
  • STATES 37
  • TIMELY 100%
  • DISPUTE 12%
  • ISSUE Communication tactics
  • RANK #709
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Big Picture Loans, LLC (132 complaints)

Big Picture Loans, LLCBig Picture Loans, LLC132Eastpoint Recovery Group, IncEastpoint Recovery Group, Inc132Account Discovery Systems, LLC (this)Account Discovery Systems, L…132Kirschenbaum & Phillips P.CKirschenbaum & Phillips P.C133Mullooly Jeffrey Rooney & FlynnMullooly Jeffrey Rooney & Fl…133
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Account Discovery Systems, LLC's 132 CFPB complaints sit next to Big Picture Loans, LLC 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 →

How the 132 complaints break down

Every complaint issue type on record for Account Discovery Systems, LLC, not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
58.8/100
Account Discovery Systems, LLC

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
132
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
12%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

Account Discovery Systems, LLC spreads filings across 37 states - California leads at only 13.6%

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Most-even geography
Lead state under 15%
California still leads at 13.6% across 37 states
Seasonal peak
2025-10 14.3%
8–15% band · 3 filings
Corpus ranks
#709 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Account Discovery Systems, LLC compare to its peers?

How does Account Discovery Systems, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Account Discovery Systems, LLC National average
Complaints (last 12 mo)lower is better
0
1
268
Timely-response ratehigher is better
100%
99%
91%
Consumer-dispute ratelower is better
12%
6%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Account Discovery Systems, LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 20%40%60%80%100%120% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) Account Discovery Systems, LLC vs. 9 similar-volume peers, by response speed and dispute rate Account Discovery Systems, LLCBig Picture Loans, LLCEastpoint Recovery Group, IncMullooly Jeffrey Rooney & FlynnKirschenbaum & Phillips P.CBay Area Receivables, IncUnited Resource Systems, IncLaw Offices of Hayt, Hayt & Landau, LLCBlakely-Witt and Associates, Inc.Financial Accounts Service Team Inc.
Source: CFPB Consumer Complaint Database

Account Discovery Systems, LLC's complaint volume in context

Account Discovery Systems, LLC vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

132 Top 13% higher than 87% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). This entry sits in this band. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Account Discovery Systems, LLC 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2018-08 2026-02

Issue Detail Breakdown

Issue Complaints
Communication tactics
42
Improper contact or sharing of info
28
Cont'd attempts collect debt not owed
17
False statements or representation
11
Disclosure verification of debt
8
Threatened to contact someone or share information improperly
8
Written notification about debt
6
Took or threatened to take negative or legal action
6
Taking/threatening an illegal action
5
Attempts to collect debt not owed
1

Where do complaints against Account Discovery Systems, LLC come from?

Account Discovery Systems, LLC's own per-state count, not a national baseline.

Top states by complaints against Account Discovery Systems, LLC

Across 37 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Account Discovery Systems, LLC: 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: 132.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 100%.

4 peers

Know your rights before responding to Account Discovery Systems, LLC: 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.