What is the most common complaint against NorAm Capital Holdings, Inc.?

The most common issue consumers report about NorAm Capital Holdings, Inc. is "Took or threatened to take negative or legal action", specifically "Didn't receive enough information to verify debt". This is based on 5 complaints filed with the CFPB.

Are complaints against NorAm Capital Holdings, Inc. increasing or decreasing?

Complaints against NorAm Capital Holdings, Inc. have been stable. The company received 1 complaints in the last 12 months.

What is NorAm Capital Holdings, Inc.'s reputation grade?

NorAm Capital Holdings, Inc. has a reputation grade of A (score: 79.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does NorAm Capital Holdings, Inc. respond to consumer complaints?

NorAm Capital Holdings, 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 NorAm Capital Holdings, Inc. operate?

NorAm Capital Holdings, Inc. has received CFPB complaints from consumers in 2 states, with the most complaints from Texas (3 complaints).

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

NorAm Capital Holdings, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade A.

Compiled by PlainCollector

Took or threatened to take negative or legal action

2
Written notification about debt

1
Communication tactics

1
Disclosure verification of debt

1

Data updated September 2026

CFPB complaint disposition

CCDB record noram-capital-holdings-inc NorAm Capital Holdings, Inc.

Grade A · 5 CFPB filings · 100% timely · lead issue: Took or threatened to take negative or legal action · vol #3192 · compose #726

VOL 5
GRADE A
12MO 1
STATES 2
TIMELY 100%
DISPUTE 0%
ISSUE Took or threatened to take…
RANK #3,192
COMPOSE #726

Volume peers

Nearest volume peer: Aaron Worldwide Collections Inc. (5 complaints)

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

NorAm Capital Holdings, Inc.'s 5 CFPB complaints sit next to Aaron Worldwide Collections Inc. 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 →

State-heavy filing map

60.0% of NorAm Capital Holdings, Inc.'s CFPB filings land in Texas

High volume does not equal a clean composite: NorAm Capital Holdings, Inc. is volume #3,192 but composite #726, while Texas dominates the geography. Corpus placement method.

Dominant state: Texas 60.0%; 3 of 5 filings · 2 states touched
Spike month: 2020-08 20.0%; 4 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,192 volume; #726 composite; Cleanest-composite ladder is 2,466 places better than volume

How does NorAm Capital Holdings, Inc. compare to its peers?

How does NorAm Capital Holdings, 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

NorAm Capital Holdings… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2020-08 2022-03

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	2
Written notification about debt	1
Communication tactics	1
Disclosure verification of debt	1

Where do complaints against NorAm Capital Holdings, Inc. come from?

NorAm Capital Holdings, Inc.'s own per-state count, not a national baseline.

Texas

3
California

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for NorAm Capital Holdings, 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: 5.

4 peers

Know your rights before responding to NorAm Capital Holdings, 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.