Total CFPB complaints
48
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 48 complaints
California Accounts Service — 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 California Accounts Service
- Attempts to collect debt not owed
Attempts to collect debt not owed
11 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
10 complaints
- Written notification about debt
Written notification about debt
6 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
5 complaints
- Communication tactics 2
Communication tactics
2 complaints
- False statements or representation 2
False statements or representation
2 complaints
C
Grade C · 59.7/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about California Accounts Service?
California Accounts Service has accumulated 48 total CFPB complaints across 5 states, with 1 filed in the most recent 12 months against 47 historical complaints before that window. The trailing-12-month volume represents 2.1% 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 "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 94% timely-response rate against a 28% 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 41 and Washington with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.7/100 places California Accounts Service 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
1
2.1% of total history
Falling ↓
States active
5
Distinct state filings
Timely response rate
94%
Within CFPB SLA window
Consumer disputes
28%
After company response
Reputation grade
C
59.7/100 composite
Response-quality profile
How California Accounts Service performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 93.8%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 55.6%
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 California Accounts Service compare to its peers?
California Accounts Se… 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)
2017-06 2026-02
Top Consumer Issues
Cont'd attempts collect debt not owed10 (%)
Written notification about debt6 (%)
Attempts to collect debt not owed11 (%)
Took or threatened to take negative or legal action5 (%)
Communication tactics2 (%)
False statements or representation2 (%)
Disclosure verification of 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 | 6 |
| Written notification about debt | Didn't receive enough information to verify debt | 6 |
| Attempts to collect debt not owed | Debt was result of identity theft | 6 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 5 |
| Attempts to collect debt not owed | Debt is not yours | 5 |
| Cont'd attempts collect debt not owed | Debt was paid | 2 |
| Cont'd attempts collect debt not owed | Debt was discharged in bankruptcy | 2 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 2 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Disclosure verification of debt | Not disclosed as an attempt to collect | 1 |
Where do complaints against California Accounts Service come from?
The states where consumers have filed the most CFPB complaints against California Accounts Service. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against California Accounts Service
Across 5 states with at least one filing
- California
California
41 complaints
- Washington 2
Washington
2 complaints
- Utah 2
Utah
2 complaints
- Texas 1
Texas
1 complaints
- New York 1
New York
1 complaints
Frequently Asked Questions
What is the most common complaint against California Accounts Service? ▼
The most common issue consumers report about California Accounts Service is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 48 complaints filed with the CFPB.
Are complaints against California Accounts Service increasing or decreasing? ▼
Complaints against California Accounts Service are falling. The company received 1 complaints in the last 12 months, showing improvement over prior periods.
What is California Accounts Service's reputation grade? ▼
California Accounts Service has a reputation grade of C (score: 59.7/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does California Accounts Service respond to consumer complaints? ▼
California Accounts Service has a 94% timely response rate to CFPB complaints. Consumers disputed the company's response in 28% of cases.
In how many states does California Accounts Service operate? ▼
California Accounts Service has received CFPB complaints from consumers in 5 states, with the most complaints from California (41 complaints).
What can I do if California Accounts Service 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 California Accounts Service 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 |