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

Data updated July 2026

D

Grade D · 59.1/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: North American Credit Services ranks ahead of 39% of the 5,283 collectors PlainCollector grades - 61% keep a cleaner CFPB record, on 218 all-time complaints and a 99% timely-response rate.

39th pct
reputation rank of 5,283 graded collectors
218
CFPB complaints, all-time
99%
answered inside the CFPB window
28
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about North American Credit Services?

North American Credit Services has accumulated 218 total CFPB complaints across 24 states, with 28 filed in the most recent 12 months against 190 historical complaints before that window. The trailing-12-month volume represents 12.8% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 99% timely-response rate against a 16% consumer-dispute-after-response rate.

Complaints have been recorded across 24 states, led by Florida with 97 and Georgia with 33. Normalized against the full CFPB collector database, the reputation score of 59.1/100 places North American Credit Services in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

218

mid-volume (CCDB)

Last 12 months

28

12.8% of all-time complaints

Falling ↓

States active

24

multi-region footprint

Timely response rate

99%

excellent band

Consumer disputes

16%

average (vertical avg ~19%)

Reputation grade

D

59.1/100 composite

How does North American Credit Services's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

59 39th percentile higher than 39% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

North American Credit Services versus the debt-collection vertical average.

Timely response within SLA 98.6%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 16.3%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 42.9%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
North American Credit … 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.

Complaint Trend (24 months)

2022-12 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if North American Credit Services contacts you

A grade of D signals how North American Credit Services's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really North American Credit Services and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how North American Credit Services ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 59.1/100), 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).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.