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
The Accounts Retrievable System, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 2 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about The Accounts Retrievable System, Inc.
- Taking/threatening an illegal action
Taking/threatening an illegal action
2 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
C
Grade C · 59.4/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about The Accounts Retrievable System, Inc.?
The Accounts Retrievable System, Inc. has accumulated 4 total CFPB complaints across 2 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 "Took or threatened to take negative or legal action", narrowing to "Threatened to sue you for very old debt", 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 100% 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 2 states, led by New Jersey with 2 and Oregon 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 59.4/100 places The Accounts Retrievable System, Inc. 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
0
0.0% of total history
Stable →
States active
2
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
100%
After company response
Reputation grade
C
59.4/100 composite
Response-quality profile
How The Accounts Retrievable System, Inc. 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) 100.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 3.6%
Share of US states + territories with at least one filed complaint against this collector.
How does The Accounts Retrievable System, Inc. compare to its peers?
The Accounts Retrievab… 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)
2016-05 2023-10
Top Consumer Issues
Took or threatened to take negative or legal action1 (%)
Taking/threatening an illegal action2 (%)
Written notification about debt1 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 1 |
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
| Taking/threatening an illegal action | Sued where didn't live/sign for debt | 1 |
Where do complaints against The Accounts Retrievable System, Inc. come from?
The states where consumers have filed the most CFPB complaints against The Accounts Retrievable System, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against The Accounts Retrievable System, Inc.
Across 2 states with at least one filing
- New Jersey
New Jersey
2 complaints
- Oregon
Oregon
2 complaints
Frequently Asked Questions
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 "Took or threatened to take negative or legal 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. have been stable. The company received 0 complaints in the last 12 months.
What is The Accounts Retrievable System, Inc.'s reputation grade? ▼
The Accounts Retrievable System, Inc. has a reputation grade of C (score: 59.4/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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).
What can I do if The Accounts Retrievable System, 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 The Accounts Retrievable System, 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 |