Total CFPB complaints
3
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 3 complaints
Niagara Credit Recovery — Debt Collector Complaint Profile
CFPB complaint profile across 3 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Niagara Credit Recovery
- Taking/threatening an illegal action
Taking/threatening an illegal action
2 complaints
- Communication tactics
Communication tactics
1 complaints
D
Grade D · 53.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Niagara Credit Recovery?
Niagara Credit Recovery has accumulated 3 total CFPB complaints across 3 states, with 0 filed in the most recent 12 months against 3 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 "Taking/threatening an illegal action", narrowing to "Sued w/o proper notification of suit", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 0% timely-response rate against a 0% 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 3 states, led by Colorado with 1 and New Hampshire with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 53.1/100 places Niagara Credit Recovery 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
0
0.0% of total history
Stable →
States active
3
Distinct state filings
Timely response rate
0%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
D
53.1/100 composite
Response-quality profile
How Niagara Credit Recovery performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 0.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 5.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Niagara Credit Recovery compare to its peers?
Niagara Credit Recover… 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 2016-01
Top Consumer Issues
Taking/threatening an illegal action2 (%)
Communication tactics1 (%)
Most common issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
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 |
|---|---|---|
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 1 |
| Communication tactics | Threatened to take legal action | 1 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 1 |
Where do complaints against Niagara Credit Recovery come from?
The states where consumers have filed the most CFPB complaints against Niagara Credit Recovery. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Niagara Credit Recovery
Across 3 states with at least one filing
- Colorado
Colorado
1 complaints
- New Hampshire
New Hampshire
1 complaints
- New York
New York
1 complaints
Frequently Asked Questions
What is the most common complaint against Niagara Credit Recovery? ▼
The most common issue consumers report about Niagara Credit Recovery is "Taking/threatening an illegal action", specifically "Sued w/o proper notification of suit". This is based on 3 complaints filed with the CFPB.
Are complaints against Niagara Credit Recovery increasing or decreasing? ▼
Complaints against Niagara Credit Recovery have been stable. The company received 0 complaints in the last 12 months.
What is Niagara Credit Recovery's reputation grade? ▼
Niagara Credit Recovery has a reputation grade of D (score: 53.1/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Niagara Credit Recovery respond to consumer complaints? ▼
Niagara Credit Recovery has a 0% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does Niagara Credit Recovery operate? ▼
Niagara Credit Recovery has received CFPB complaints from consumers in 3 states, with the most complaints from Colorado (1 complaints).
What can I do if Niagara Credit Recovery 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 Credit Recovery 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 |