What is the most common complaint against Niagara Capital Associates, Inc.?

The most common issue consumers report about Niagara Capital Associates, Inc. is "Communication tactics", specifically "Frequent or repeated calls". This is based on 8 complaints filed with the CFPB.

Are complaints against Niagara Capital Associates, Inc. increasing or decreasing?

Complaints against Niagara Capital Associates, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Niagara Capital Associates, Inc.'s reputation grade?

Niagara Capital Associates, Inc. has a reputation grade of F (score: 46.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Niagara Capital Associates, Inc. respond to consumer complaints?

Niagara Capital Associates, Inc. has a 25% timely response rate to CFPB complaints. Consumers disputed the company's response in 13% of cases.

In how many states does Niagara Capital Associates, Inc. operate?

Niagara Capital Associates, Inc. has received CFPB complaints from consumers in 6 states, with the most complaints from California (2 complaints).

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

Niagara Capital Associates, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 6 states, reputation grade F.

Compiled by PlainCollector

Communication tactics

2
Disclosure verification of debt

2
Taking/threatening an illegal action

2
Cont'd attempts collect debt not owed

1
Improper contact or sharing of info

1

Data updated September 2026

CFPB complaint disposition

CCDB record niagara-capital-associates-inc Niagara Capital Associates, Inc.

Grade F · 8 CFPB filings · 25% timely · lead issue: Communication tactics · vol #2734 · compose #4461

VOL 8
GRADE F
12MO 0
STATES 6
TIMELY 25%
DISPUTE 13%
ISSUE Communication tactics
RANK #2,734
COMPOSE #4,461

Volume peers

Nearest volume peer: A+ Loans, Inc. (8 complaints)

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

Niagara Capital Associates, Inc.'s 8 CFPB complaints sit next to A+ Loans, Inc. 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 →

Steady monthly series

California is the plurality state for Niagara Capital Associates, Inc. (25.0%)

Volume rank #2,734 and composite rank #4,461 diverge by 1,727 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: California 25.0%; Mid-band (15–30%) · 6 states with ≥1 filing
Even monthly load: Peak under 8%; Highest month 2015-11 at 7.4% (2 filings)
Divergent corpus ranks: #2,734 volume; #4,461 composite; Cleanest-composite ladder is 1,727 places worse than volume

How does Niagara Capital Associates, Inc. compare to its peers?

How does Niagara Capital Associates, 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

Niagara Capital Associ… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

25%

88%

91%

Consumer-dispute ratelower is better

13%

50%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-11 2022-11

Issue Detail Breakdown

Issue	Complaints
Communication tactics	2
Disclosure verification of debt	2
Taking/threatening an illegal action	2
Cont'd attempts collect debt not owed	1
Improper contact or sharing of info	1

Where do complaints against Niagara Capital Associates, Inc. come from?

Niagara Capital Associates, Inc.'s own per-state count, not a national baseline.

California

2
Michigan

2
Alabama

1
Louisiana

1
New Mexico

1
South Carolina

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Niagara Capital Associates, 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: 8.

4 peers

Know your rights before responding to Niagara Capital Associates, 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.