Total CFPB complaints
14
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 14 complaints
Niagara Central Revenue — Debt Collector Complaint Profile
CFPB complaint profile across 8 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Niagara Central Revenue
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
6 complaints
- Communication tactics
Communication tactics
5 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
- Threatened to contact someone or share information improperly 1
Threatened to contact someone or share information improperly
1 complaints
- Attempts to collect debt not owed 1
Attempts to collect debt not owed
1 complaints
D
Grade D · 56.3/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Niagara Central Revenue?
Niagara Central Revenue has accumulated 14 total CFPB complaints across 8 states, with 6 filed in the most recent 12 months against 8 historical complaints before that window. The trailing-12-month volume represents 42.9% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened to sue you for very old debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 79% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 8 states, led by California with 5 and Ohio 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 56.3/100 places Niagara Central Revenue in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
6
42.9% of total history
Rising ↑
States active
8
Distinct state filings
Timely response rate
79%
Within CFPB SLA window
Reputation grade
D
56.3/100 composite
Response-quality profile
How Niagara Central Revenue performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 78.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 14.3%
Share of US states + territories with at least one filed complaint against this collector.
How does Niagara Central Revenue compare to its peers?
Niagara Central Revenu… 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)
2023-05 2026-03
Top Consumer Issues
Took or threatened to take negative or legal action6 (%)
Communication tactics5 (%)
Written notification about debt1 (%)
Threatened to contact someone or share information improperly1 (%)
Attempts to collect debt not owed1 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 3 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 3 |
| Communication tactics | Frequent or repeated calls | 2 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 1 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 1 |
| Threatened to contact someone or share information improperly | Contacted your employer | 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 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
Where do complaints against Niagara Central Revenue come from?
The states where consumers have filed the most CFPB complaints against Niagara Central Revenue. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Niagara Central Revenue
Across 8 states with at least one filing
- California
California
5 complaints
- Ohio
Ohio
2 complaints
- Texas
Texas
2 complaints
- Alabama 1
Alabama
1 complaints
- Michigan 1
Michigan
1 complaints
- Florida 1
Florida
1 complaints
- Tennessee 1
Tennessee
1 complaints
- Iowa 1
Iowa
1 complaints
Frequently Asked Questions
What is the most common complaint against Niagara Central Revenue? ▼
The most common issue consumers report about Niagara Central Revenue is "Took or threatened to take negative or legal action", specifically "Threatened to sue you for very old debt". This is based on 14 complaints filed with the CFPB.
Are complaints against Niagara Central Revenue increasing or decreasing? ▼
Complaints against Niagara Central Revenue are rising. The company received 6 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Niagara Central Revenue's reputation grade? ▼
Niagara Central Revenue has a reputation grade of D (score: 56.3/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Niagara Central Revenue respond to consumer complaints? ▼
Niagara Central Revenue has a 79% timely response rate to CFPB complaints.
In how many states does Niagara Central Revenue operate? ▼
Niagara Central Revenue has received CFPB complaints from consumers in 8 states, with the most complaints from California (5 complaints).
What can I do if Niagara Central Revenue 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 Central Revenue 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 |