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

Data updated July 2026

C

Grade C · 62.1/100 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: Account Discovery Systems, LLC ranks ahead of 49% of the 5,283 collectors PlainCollector grades - 51% keep a cleaner CFPB record, on 132 all-time complaints and a 100% timely-response rate.

49th pct
reputation rank of 5,283 graded collectors
132
CFPB complaints, all-time
100%
answered inside the CFPB window
0
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 Account Discovery Systems, LLC?

Account Discovery Systems, LLC has accumulated 132 total CFPB complaints across 37 states, with 0 filed in the most recent 12 months against 132 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "Communication tactics", narrowing to "Talked to a third party about my debt". The company posts a 100% timely-response rate against a 12% consumer-dispute-after-response rate.

Complaints have been recorded across 37 states, led by California with 18 and Florida with 12. Normalized against the full CFPB collector database, the reputation score of 62.1/100 places Account Discovery Systems, LLC in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

132

mid-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

37

multi-region footprint

Timely response rate

100%

excellent band

Consumer disputes

12%

average (vertical avg ~19%)

Reputation grade

C

62.1/100 composite

How does Account Discovery Systems, LLC's reputation rank nationally?

Reputation score vs. every graded collector

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

62 49th percentile higher than 49% 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

Account Discovery Systems, LLC versus the debt-collection vertical average.

Timely response within SLA 100.0%
Vertical avg

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

Consumer dispute rate (post-response) 12.0%
Vertical avg

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

State coverage breadth 66.1%

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

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, drawn from 10 collectors with a comparable complaint count
Account Discovery Syst… 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.

Complaint Trend (24 months)

2018-08 2026-02

Issue Detail Breakdown

Issue Sub-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

What to do if Account Discovery Systems, LLC contacts you

A grade of C signals how Account Discovery Systems, LLC'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 Account Discovery Systems, LLC 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 Account Discovery Systems, LLC 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 Account Discovery Systems, LLC? ▼

The most common issue consumers report about Account Discovery Systems, LLC is "Communication tactics", specifically "Talked to a third party about my debt". This is based on 132 complaints filed with the CFPB.

Are complaints against Account Discovery Systems, LLC increasing or decreasing? ▼

Complaints against Account Discovery Systems, LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Account Discovery Systems, LLC's reputation grade? ▼

Account Discovery Systems, LLC has a reputation grade of C (score: 62.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Account Discovery Systems, LLC respond to consumer complaints? ▼

Account Discovery Systems, LLC has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 12% of cases.

In how many states does Account Discovery Systems, LLC operate? ▼

Account Discovery Systems, LLC has received CFPB complaints from consumers in 37 states, with the most complaints from California (18 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.