CFPB Consumer Complaint Profile
Account Discovery Systems, LLC
Consumers have filed 141 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 141
- Total complaints
- Mid-range
- 0
- Last 12 months
- 100%
- Timely response
- Top decile
- 37
- States affected
The verdict
141 CFPB complaints put Account Discovery Systems, LLC at #1131 out of 3,843 financial companies ranked by complaint volume. It posts a 100% on-time response rate, the 86th percentile among companies with 100+ complaints.
- #1131
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Debt collection
- most-complained product
- 37
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Account Discovery Systems, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2018 to 2019 complete years
- Annual CFPB complaint volume moved from 20 in 2018 to 1 in 2019 (2018 → 2019).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 19 |
| 2014 | 34 |
| 2015 | 20 |
| 2016 | 28 |
| 2017 | 19 |
| 2018 | 20 |
| 2019 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Account Discovery Systems, LLC
The CFPB Consumer Complaint Database has logged 141 complaints against Account Discovery Systems, LLC overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 37 states and territories, making this a multi-regional complaint footprint. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Communication tactics" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Account Discovery Systems, LLC draw a 100% reply rate inside the Bureau's 15-day window. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Consumers formally disputed the company's response at a 12.1% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 0% closed with some form of monetary or non-monetary relief to the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Account Discovery Systems, LLC have?
141 complaints have been filed against Account Discovery Systems, LLC with the CFPB overall - 0 of them in the past year.
Does Account Discovery Systems, LLC respond to complaints on time?
Account Discovery Systems, LLC has a 100% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Account Discovery Systems, LLC?
"Debt collection" draws more CFPB complaints against Account Discovery Systems, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with Account Discovery Systems, LLC?
Consumers most often cite "Communication tactics" when complaining about Account Discovery Systems, LLC; the full issue list with counts is above.
How do I file a complaint against Account Discovery Systems, LLC?
You can file a complaint against Account Discovery Systems, LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Account Discovery Systems, LLC?
The CFPB has recorded complaints against Account Discovery Systems, LLC from 37 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Account Discovery Systems, LLC: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (12.1% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.