What is the most common complaint against Niagara Credit Solutions, Inc?

The most common issue consumers report about Niagara Credit Solutions, Inc is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 22 complaints filed with the CFPB.

Are complaints against Niagara Credit Solutions, Inc increasing or decreasing?

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

What is Niagara Credit Solutions, Inc's reputation grade?

Niagara Credit Solutions, Inc has a reputation grade of B (score: 69.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Niagara Credit Solutions, Inc respond to consumer complaints?

Niagara Credit Solutions, Inc has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Niagara Credit Solutions, Inc operate?

Niagara Credit Solutions, Inc has received CFPB complaints from consumers in 12 states, with the most complaints from Massachusetts (4 complaints).

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

Niagara Credit Solutions, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 12 states, reputation grade B.

Compiled by PlainCollector

Cont'd attempts collect debt not owed

6
Communication tactics

4
Written notification about debt

2
False statements or representation

2
Disclosure verification of debt

2
Improper contact or sharing of info

2

Data updated September 2026

CFPB complaint disposition

CCDB record niagara-credit-solutions-inc Niagara Credit Solutions, Inc

Grade B · 22 CFPB filings · 100% timely · lead issue: Cont'd attempts collect debt not owed · vol #1811 · compose #1348

VOL 22
GRADE B
12MO 0
STATES 12
TIMELY 100%
DISPUTE 0%
ISSUE Cont'd attempts collect de…
RANK #1,811
COMPOSE #1,348

Volume peers

Nearest volume peer: Abrahamsen Ratchford, P.C (22 complaints)

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

Niagara Credit Solutions, Inc's 22 CFPB complaints sit next to Abrahamsen Ratchford, P.C 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 →

Spiky monthly series

Massachusetts is the plurality state for Niagara Credit Solutions, Inc (18.2%)

Peak share is this collector's company_monthly maximum divided by its own stored monthly total. Corpus placement method.

Plurality state: Massachusetts 18.2%; Mid-band (15–30%) · 12 states with ≥1 filing
Spike month: 2025-05 50.0%; 1 filings that month · spiky (≥15% of series)
Corpus ranks: #1,811 volume; #1,348 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does Niagara Credit Solutions, Inc compare to its peers?

How does Niagara Credit Solutions, 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 Credit Solutio… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

90%

91%

Consumer-dispute ratelower is better

50%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2025-05 2026-01

Issue Detail Breakdown

Issue	Complaints
Cont'd attempts collect debt not owed	6
Communication tactics	4
Written notification about debt	2
False statements or representation	2
Disclosure verification of debt	2
Improper contact or sharing of info	2
Taking/threatening an illegal action	2
Attempts to collect debt not owed	1
Threatened to contact someone or share information improperly	1

Where do complaints against Niagara Credit Solutions, Inc come from?

Niagara Credit Solutions, Inc's own per-state count, not a national baseline.

Massachusetts

4
Maryland

3
New York

3
North Carolina

3
Virginia

2
Alabama

1
California

1
Florida

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Niagara Credit Solutions, 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: 22.

4 peers

Know your rights before responding to Niagara Credit Solutions, 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.