Total CFPB complaints
16
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 16 complaints
Niagara Capital Recovery LLC — Debt Collector Complaint Profile
CFPB complaint profile across 12 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Niagara Capital Recovery LLC
- Communication tactics
Communication tactics
4 complaints
- False statements or representation
False statements or representation
3 complaints
- Improper contact or sharing of info
Improper contact or sharing of info
3 complaints
- Taking/threatening an illegal action
Taking/threatening an illegal action
3 complaints
- Threatened to contact someone or share information improperly 1
Threatened to contact someone or share information improperly
1 complaints
- Took or threatened to take negative or legal action 1
Took or threatened to take negative or legal action
1 complaints
F
Grade F · 51.4/100 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 Recovery LLC?
Niagara Capital Recovery LLC has accumulated 16 total CFPB complaints across 12 states, with 0 filed in the most recent 12 months against 16 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 "False statements or representation", narrowing to "Impersonated an attorney or official", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 38% timely-response rate against a 8% 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 12 states, led by Florida with 3 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 51.4/100 places Niagara Capital Recovery LLC 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
12
Distinct state filings
Timely response rate
38%
Within CFPB SLA window
Consumer disputes
8%
After company response
Reputation grade
F
51.4/100 composite
Response-quality profile
How Niagara Capital Recovery LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 37.5%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 16.7%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 21.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Niagara Capital Recovery LLC compare to its peers?
Niagara Capital Recove… 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)
2015-04 2019-02
Top Consumer Issues
False statements or representation3 (%)
Communication tactics4 (%)
Improper contact or sharing of info3 (%)
Taking/threatening an illegal action3 (%)
Threatened to contact someone or share information improperly1 (%)
Took or threatened to take negative or legal action1 (%)
Attempts to collect debt not owed1 (%)
Most common issue: False statements or representation — Impersonated an attorney or official
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 |
|---|---|---|
| False statements or representation | Impersonated an attorney or official | 3 |
| Communication tactics | Threatened to take legal action | 3 |
| Improper contact or sharing of info | Talked to a third party about my debt | 2 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 2 |
| Communication tactics | Used obscene, profane, or other abusive language | 1 |
| Threatened to contact someone or share information improperly | Contacted your employer | 1 |
| Improper contact or sharing of info | Contacted me instead of my attorney | 1 |
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 1 |
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
Where do complaints against Niagara Capital Recovery LLC come from?
The states where consumers have filed the most CFPB complaints against Niagara Capital Recovery LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Niagara Capital Recovery LLC
Across 12 states with at least one filing
- Florida
Florida
3 complaints
- California
California
2 complaints
- Texas
Texas
2 complaints
- Kentucky 1
Kentucky
1 complaints
- New Jersey 1
New Jersey
1 complaints
- Massachusetts 1
Massachusetts
1 complaints
- Pennsylvania 1
Pennsylvania
1 complaints
- Oklahoma 1
Oklahoma
1 complaints
Frequently Asked Questions
What is the most common complaint against Niagara Capital Recovery LLC? ▼
The most common issue consumers report about Niagara Capital Recovery LLC is "False statements or representation", specifically "Impersonated an attorney or official". This is based on 16 complaints filed with the CFPB.
Are complaints against Niagara Capital Recovery LLC increasing or decreasing? ▼
Complaints against Niagara Capital Recovery LLC have been stable. The company received 0 complaints in the last 12 months.
What is Niagara Capital Recovery LLC's reputation grade? ▼
Niagara Capital Recovery LLC has a reputation grade of F (score: 51.4/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Niagara Capital Recovery LLC respond to consumer complaints? ▼
Niagara Capital Recovery LLC has a 38% timely response rate to CFPB complaints. Consumers disputed the company's response in 8% of cases.
In how many states does Niagara Capital Recovery LLC operate? ▼
Niagara Capital Recovery LLC has received CFPB complaints from consumers in 12 states, with the most complaints from Florida (3 complaints).
What can I do if Niagara Capital Recovery LLC 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 Recovery LLC 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 |