Total CFPB complaints
4
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 4 complaints
ARAKI-REGAN & ASSOCIATES LLC — Debt Collector Complaint Profile
CFPB complaint profile across 1 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about ARAKI-REGAN & ASSOCIATES LLC
- Taking/threatening an illegal action
Taking/threatening an illegal action
1 complaints
- Communication tactics
Communication tactics
1 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
1 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
1 complaints
A
Grade A · 77.2/100 composite
This collector has an excellent complaint record — very few complaints relative to its size, with high response rates.
What do CFPB complaints reveal about ARAKI-REGAN & ASSOCIATES LLC?
ARAKI-REGAN & ASSOCIATES LLC has accumulated 4 total CFPB complaints across 1 states, with 0 filed in the most recent 12 months against 4 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Taking/threatening an illegal action", narrowing to "Sued w/o proper notification of suit", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 33% 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 1 states, led by Hawaii with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 77.2/100 places ARAKI-REGAN & ASSOCIATES LLC in grade band A, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
1
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
33%
After company response
Reputation grade
A
77.2/100 composite
Response-quality profile
How ARAKI-REGAN & ASSOCIATES LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 66.7%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 1.8%
Share of US states + territories with at least one filed complaint against this collector.
How does ARAKI-REGAN & ASSOCIATES LLC compare to its peers?
ARAKI-REGAN & ASSOCIAT… 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)
2014-04 2019-09
Top Consumer Issues
Taking/threatening an illegal action1 (%)
Communication tactics1 (%)
Cont'd attempts collect debt not owed1 (%)
Attempts to collect debt not owed1 (%)
Most common issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
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 |
|---|---|---|
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 1 |
| Communication tactics | Called outside of 8am-9pm | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
Where do complaints against ARAKI-REGAN & ASSOCIATES LLC come from?
The states where consumers have filed the most CFPB complaints against ARAKI-REGAN & ASSOCIATES LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against ARAKI-REGAN & ASSOCIATES LLC
Across 1 states with at least one filing
- Hawaii
Hawaii
4 complaints
Frequently Asked Questions
What is the most common complaint against ARAKI-REGAN & ASSOCIATES LLC? ▼
The most common issue consumers report about ARAKI-REGAN & ASSOCIATES LLC is "Taking/threatening an illegal action", specifically "Sued w/o proper notification of suit". This is based on 4 complaints filed with the CFPB.
Are complaints against ARAKI-REGAN & ASSOCIATES LLC increasing or decreasing? ▼
Complaints against ARAKI-REGAN & ASSOCIATES LLC have been stable. The company received 0 complaints in the last 12 months.
What is ARAKI-REGAN & ASSOCIATES LLC's reputation grade? ▼
ARAKI-REGAN & ASSOCIATES LLC has a reputation grade of A (score: 77.2/100). This collector has an excellent complaint record — very few complaints relative to its size, with high response rates.
Does ARAKI-REGAN & ASSOCIATES LLC respond to consumer complaints? ▼
ARAKI-REGAN & ASSOCIATES LLC has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 33% of cases.
In how many states does ARAKI-REGAN & ASSOCIATES LLC operate? ▼
ARAKI-REGAN & ASSOCIATES LLC has received CFPB complaints from consumers in 1 states, with the most complaints from Hawaii (4 complaints).
What can I do if ARAKI-REGAN & ASSOCIATES LLC 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 ARAKI-REGAN & ASSOCIATES LLC 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 |