What is the most common complaint against North American Credit Services?

The most common issue consumers report about North American Credit Services is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 218 complaints filed with the CFPB.

Are complaints against North American Credit Services increasing or decreasing?

Complaints against North American Credit Services are falling. The company received 28 complaints in the last 12 months, showing improvement over prior periods.

What is North American Credit Services's reputation grade?

North American Credit Services has a reputation grade of D (score: 55.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does North American Credit Services respond to consumer complaints?

North American Credit Services has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 16% of cases.

In how many states does North American Credit Services operate?

North American Credit Services has received CFPB complaints from consumers in 24 states, with the most complaints from Florida (97 complaints).

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

North American Credit Services - Debt Collector Complaint Profile

CFPB complaint profile across 24 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

64
Cont'd attempts collect debt not owed

40
Disclosure verification of debt

29
Written notification about debt

25
Communication tactics

25
False statements or representation

19

Data updated September 2026

CFPB complaint disposition

CCDB record north-american-credit-services North American Credit Services

Grade D · 218 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed · vol #492 · compose #3221

VOL 218
GRADE D
12MO 28
STATES 24
TIMELY 99%
DISPUTE 16%
ISSUE Attempts to collect debt n…
RANK #492
COMPOSE #3,221

Volume peers

Nearest volume peer: Risecredit, LLC (218 complaints)

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

North American Credit Services's 218 CFPB complaints sit next to Risecredit, LLC 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

44.5% of North American Credit Services's CFPB filings land in Florida

High volume does not equal a clean composite: North American Credit Services is volume #492 but composite #3,221, while Florida dominates the geography. Corpus placement method.

Dominant state: Florida 44.5%; 97 of 218 filings · 24 states touched
Seasonal peak: 2025-01 11.1%; 8–15% band · 4 filings
Divergent corpus ranks: #492 volume; #3,221 composite; Cleanest-composite ladder is 2,729 places worse than volume

How does North American Credit Services compare to its peers?

How does North American Credit Services compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

North American Credit … National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

99%

91%

Consumer-dispute ratelower is better

16%

11%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-12 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	64
Cont'd attempts collect debt not owed	40
Disclosure verification of debt	29
Written notification about debt	25
Communication tactics	25
False statements or representation	19
Took or threatened to take negative or legal action	6
Improper contact or sharing of info	5
Threatened to contact someone or share information improperly	3
Electronic communications	2

Where do complaints against North American Credit Services come from?

North American Credit Services's own per-state count, not a national baseline.

Florida

97
Georgia

33
Texas

18
Maryland

11
North Carolina

8
Tennessee

7
Kansas

6
Mississippi

6

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for North American Credit Services: 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: 218.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.5576923076923%.

4 peers

Know your rights before responding to North American Credit Services: 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.