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

CFPB complaint data Grade D 218 complaints

North American Credit Services - Debt Collector Complaint Profile

CFPB complaint profile across 24 states, reputation grade D.

Complaints by issue type

What consumers report about North American Credit Services

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 #95

  • VOL 218
  • GRADE D
  • 12MO 28
  • STATES 24
  • TIMELY 99%
  • DISPUTE 16%
  • ISSUE Attempts to collect debt n…
  • RANK #492
  • COMPOSE #95

Volume peers

Nearest volume peer: Risecredit, LLC (218 complaints)

Risecredit, LLCRisecredit, LLC218North American Credit Services (this)North American Credit Servic…218Nationwide Credit CorporationNationwide Credit Corporation219SUN Loan Company Inc.SUN Loan Company Inc.219Allied International Credit Corp., (US)Allied International Credit …220
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 →

How the 218 complaints break down

Every complaint issue type on record for North American Credit Services, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
55.7/100
North American Credit Services

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
218
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
16%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

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

Concentration is computed from this collector's company_states rows only, not a national baseline. 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
Corpus ranks
#492 volume
#95 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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 Services National average
Complaints (last 12 mo)lower is better
28
10
268
Timely-response ratehigher is better
99%
91%
91%
Consumer-dispute ratelower is better
16%
11%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy North American Credit Services a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 80%85%90%95%100%105% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) North American Credit Services vs. 10 similar-volume peers, by response speed and dispute rate North American Credit ServicesRisecredit, LLCSUN LOAN COMPANY INC.Nationwide Credit CorporationDataMax CorporationAllied International Credit Corp., (US)J J Marshall & Associates, IncMiraMed Revenue Group LLCKlima, Peters & Daly, P.A.Financial Assistance IncPalm Beach Credit Adjustors, Inc
Source: CFPB Consumer Complaint Database

North American Credit Services's complaint volume in context

North American Credit Services vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

218 Top 9% higher than 91% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. North American Credit Services 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
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.

Top states by complaints against North American Credit Services

Across 24 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.