Total CFPB complaints
6
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 6 complaints
Accounts Recovery Agency Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 5 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Accounts Recovery Agency Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
2 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
1 complaints
- False statements or representation
False statements or representation
1 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
1 complaints
- Written notification about debt
Written notification about debt
1 complaints
F
Grade F · 46.6/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Accounts Recovery Agency Inc.?
Accounts Recovery Agency Inc. has accumulated 6 total CFPB complaints across 5 states, with 1 filed in the most recent 12 months against 5 historical complaints before that window. The trailing-12-month volume represents 16.7% 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 "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 0% timely-response rate against a 0% 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 5 states, led by California with 2 and Illinois with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 46.6/100 places Accounts Recovery Agency Inc. in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1
16.7% of total history
Rising ↑
States active
5
Distinct state filings
Timely response rate
0%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
F
46.6/100 composite
Response-quality profile
How Accounts Recovery Agency Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 0.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 8.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Accounts Recovery Agency Inc. compare to its peers?
Accounts Recovery Agen… 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)
2014-09 2026-03
Top Consumer Issues
Cont'd attempts collect debt not owed1 (%)
Attempts to collect debt not owed2 (%)
False statements or representation1 (%)
Took or threatened to take negative or legal action1 (%)
Written notification about debt1 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 1 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
Where do complaints against Accounts Recovery Agency Inc. come from?
The states where consumers have filed the most CFPB complaints against Accounts Recovery Agency Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Accounts Recovery Agency Inc.
Across 5 states with at least one filing
- California
California
2 complaints
- Illinois
Illinois
1 complaints
- Maryland
Maryland
1 complaints
- Texas
Texas
1 complaints
- Kansas
Kansas
1 complaints
Frequently Asked Questions
What is the most common complaint against Accounts Recovery Agency Inc.? ▼
The most common issue consumers report about Accounts Recovery Agency Inc. is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 6 complaints filed with the CFPB.
Are complaints against Accounts Recovery Agency Inc. increasing or decreasing? ▼
Complaints against Accounts Recovery Agency Inc. are rising. The company received 1 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Accounts Recovery Agency Inc.'s reputation grade? ▼
Accounts Recovery Agency Inc. has a reputation grade of F (score: 46.6/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Accounts Recovery Agency Inc. respond to consumer complaints? ▼
Accounts Recovery Agency Inc. has a 0% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does Accounts Recovery Agency Inc. operate? ▼
Accounts Recovery Agency Inc. has received CFPB complaints from consumers in 5 states, with the most complaints from California (2 complaints).
What can I do if Accounts Recovery Agency 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 Accounts Recovery Agency 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 |