Total CFPB complaints
8
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 8 complaints
Niagara Capital Associates, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 6 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Niagara Capital Associates, Inc.
- Communication tactics
Communication tactics
2 complaints
- Disclosure verification of debt
Disclosure verification of debt
2 complaints
- Taking/threatening an illegal action
Taking/threatening an illegal action
2 complaints
- Improper contact or sharing of info
Improper contact or sharing of info
1 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
1 complaints
F
Grade F · 50.9/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Niagara Capital Associates, Inc.?
Niagara Capital Associates, Inc. has accumulated 8 total CFPB complaints across 6 states, with 0 filed in the most recent 12 months against 8 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 "Communication tactics", narrowing to "Frequent or repeated calls", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 25% timely-response rate against a 13% 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 6 states, led by Michigan with 2 and California 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 50.9/100 places Niagara Capital Associates, Inc. in grade band F, 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
6
Distinct state filings
Timely response rate
25%
Within CFPB SLA window
Consumer disputes
13%
After company response
Reputation grade
F
50.9/100 composite
Response-quality profile
How Niagara Capital Associates, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 25.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 25.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 10.7%
Share of US states + territories with at least one filed complaint against this collector.
How does Niagara Capital Associates, Inc. compare to its peers?
Niagara Capital Associ… 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)
2014-12 2015-12
Top Consumer Issues
Communication tactics2 (%)
Disclosure verification of debt2 (%)
Improper contact or sharing of info1 (%)
Taking/threatening an illegal action2 (%)
Cont'd attempts collect debt not owed1 (%)
Most common issue: Communication tactics — Frequent or repeated calls
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 |
|---|---|---|
| Communication tactics | Frequent or repeated calls | 1 |
| Disclosure verification of debt | Not disclosed as an attempt to collect | 1 |
| Improper contact or sharing of info | Contacted employer after asked not to | 1 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 1 |
| Communication tactics | Threatened to take legal action | 1 |
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 1 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
| Disclosure verification of debt | Right to dispute notice not received | 1 |
Where do complaints against Niagara Capital Associates, Inc. come from?
The states where consumers have filed the most CFPB complaints against Niagara Capital Associates, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Niagara Capital Associates, Inc.
Across 6 states with at least one filing
- Michigan
Michigan
2 complaints
- California
California
2 complaints
- South Carolina
South Carolina
1 complaints
- New Mexico
New Mexico
1 complaints
- Alabama
Alabama
1 complaints
- Louisiana
Louisiana
1 complaints
Frequently Asked Questions
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. have been stable. The company received 0 complaints in the last 12 months.
What is Niagara Capital Associates, Inc.'s reputation grade? ▼
Niagara Capital Associates, Inc. has a reputation grade of F (score: 50.9/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 Michigan (2 complaints).
What can I do if Niagara Capital Associates, 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 Niagara Capital Associates, 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 |