CFPB Consumer Complaint Profile
Accounts Advocate Agency
Consumers have filed 16 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
- 16
- Total complaints
- Below average
- 4
- Last 12 months
- 75%
- Timely response
- Bottom decile
- 3
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Accounts Advocate Agency sits at #3154, with 16 complaints logged. It posts a 75% on-time response rate, the 7th percentile among companies with 100+ complaints.
- #3154
- of 3,843 companies by volume
- 75%
- on time (7th pctile)
- Debt collection
- most-complained product
- 3
- 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.
Accounts Advocate Agency vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
75% Among the lowest higher than 7% 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
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 |
|---|---|
| 2018 | 1 |
| 2019 | 1 |
| 2020 | 4 |
| 2021 | 1 |
| 2022 | 2 |
| 2024 | 3 |
| 2025 | 2 |
| 2026year in progress | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Accounts Advocate Agency
The CFPB Consumer Complaint Database has logged 16 complaints against Accounts Advocate Agency overall, with 4 of those filed in the trailing 12 months. Reports have come from consumers in 3 states and territories, making this a geographically concentrated 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 "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Accounts Advocate Agency's timely response rate stands at 75%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is well below the 95% industry benchmark and is a material red flag, late or missing responses are one of the strongest predictors of CFPB supervisory interest. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 12.5% rate.
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 Accounts Advocate Agency have?
The CFPB has logged 16 complaints against Accounts Advocate Agency to date, of which 4 came in over the last 12 months.
Does Accounts Advocate Agency respond to complaints on time?
Accounts Advocate Agency's CFPB timely-response rate is 75%. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Accounts Advocate Agency?
Among all products tied to Accounts Advocate Agency, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Accounts Advocate Agency?
The most common issue reported by consumers about Accounts Advocate Agency is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Accounts Advocate Agency?
You can file a complaint against Accounts Advocate Agency 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 Accounts Advocate Agency?
Accounts Advocate Agency has drawn CFPB complaints from 3 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
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.