What is the most common complaint against The Accounts Retrievable System, Inc.?

The most common issue consumers report about The Accounts Retrievable System, Inc. is "Taking/threatening an illegal action", specifically "Threatened to sue you for very old debt". This is based on 4 complaints filed with the CFPB.

Are complaints against The Accounts Retrievable System, Inc. increasing or decreasing?

Complaints against The Accounts Retrievable System, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is The Accounts Retrievable System, Inc.'s reputation grade?

The Accounts Retrievable System, Inc. has a reputation grade of D (score: 55.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does The Accounts Retrievable System, Inc. respond to consumer complaints?

The Accounts Retrievable System, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 100% of cases.

In how many states does The Accounts Retrievable System, Inc. operate?

The Accounts Retrievable System, Inc. has received CFPB complaints from consumers in 2 states, with the most complaints from New Jersey (2 complaints).

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

The Accounts Retrievable System, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade D.

Compiled by PlainCollector

Taking/threatening an illegal action

2
Written notification about debt

1
Took or threatened to take negative or legal action

1

Data updated September 2026

CFPB complaint disposition

CCDB record the-accounts-retrievable-system-inc The Accounts Retrievable System, Inc.

Grade D · 4 CFPB filings · 100% timely · lead issue: Taking/threatening an illegal action · vol #3516 · compose #3203

VOL 4
GRADE D
12MO 0
STATES 2
TIMELY 100%
DISPUTE 100%
ISSUE Taking/threatening an ille…
RANK #3,516
COMPOSE #3,203

Volume peers

Nearest volume peer: 90 Day Credit Experts (4 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

The Accounts Retrievable System, Inc.'s 4 CFPB complaints sit next to 90 Day Credit Experts 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 →

State-heavy filing map

50.0% of The Accounts Retrievable System, Inc.'s CFPB filings land in New Jersey

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state: New Jersey 50.0%; 2 of 4 filings · 2 states touched
Spike month: 2025-03 50.0%; 1 filings that month · spiky (≥15% of series)
Corpus ranks: #3,516 volume; #3,203 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does The Accounts Retrievable System, Inc. compare to its peers?

How does The Accounts Retrievable System, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

The Accounts Retrievab… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

100%

33%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2025-03 2025-06

Issue Detail Breakdown

Issue	Complaints
Taking/threatening an illegal action	2
Written notification about debt	1
Took or threatened to take negative or legal action	1

Where do complaints against The Accounts Retrievable System, Inc. come from?

The Accounts Retrievable System, Inc.'s own per-state count, not a national baseline.

New Jersey

2
Oregon

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for The Accounts Retrievable System, Inc.: 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: 4.

4 peers

Know your rights before responding to The Accounts Retrievable System, Inc.: 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.