Total CFPB complaints
208
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 208 complaints
North American Credit Services — Debt Collector Complaint Profile
CFPB complaint profile across 25 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about North American Credit Services
- Attempts to collect debt not owed
Attempts to collect debt not owed
59 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
37 complaints
- Disclosure verification of debt
Disclosure verification of debt
26 complaints
- Written notification about debt 21
Written notification about debt
21 complaints
- Communication tactics 17
Communication tactics
17 complaints
- False statements or representation 14
False statements or representation
14 complaints
D
Grade D · 59.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about North American Credit Services?
North American Credit Services has accumulated 208 total CFPB complaints across 25 states, with 21 filed in the most recent 12 months against 187 historical complaints before that window. The trailing-12-month volume represents 10.1% 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", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 16% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 25 states, led by Florida with 94 and Georgia with 31, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.1/100 places North American Credit Services in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
21
10.1% of total history
Falling ↓
States active
25
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
16%
After company response
Reputation grade
D
59.1/100 composite
Response-quality profile
How North American Credit Services performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 32.6%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 44.6%
Share of US states + territories with at least one filed complaint against this collector.
How does North American Credit Services compare to its peers?
North American Credit … National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-01 2026-02
Top Consumer Issues
Attempts to collect debt not owed59 (%)
Written notification about debt21 (%)
Cont'd attempts collect debt not owed37 (%)
Disclosure verification of debt26 (%)
False statements or representation14 (%)
Communication tactics17 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 36 |
| Attempts to collect debt not owed | Debt was paid | 23 |
| Written notification about debt | Didn't receive enough information to verify debt | 21 |
| Cont'd attempts collect debt not owed | Debt is not mine | 19 |
| Disclosure verification of debt | Not given enough info to verify debt | 18 |
| Cont'd attempts collect debt not owed | Debt was paid | 18 |
| False statements or representation | Attempted to collect wrong amount | 14 |
| Communication tactics | Frequent or repeated calls | 9 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 8 |
| Disclosure verification of debt | Right to dispute notice not received | 8 |
Where do complaints against North American Credit Services come from?
The states where consumers have filed the most CFPB complaints against North American Credit Services. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against North American Credit Services
Across 25 states with at least one filing
- Florida
Florida
94 complaints
- Georgia 31
Georgia
31 complaints
- Texas 18
Texas
18 complaints
- Maryland 11
Maryland
11 complaints
- North Carolina 8
North Carolina
8 complaints
- Ohio 6
Ohio
6 complaints
- Mississippi 6
Mississippi
6 complaints
- Tennessee 6
Tennessee
6 complaints
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 208 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 21 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). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 25 states, with the most complaints from Florida (94 complaints).
What can I do if North American Credit Services is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If North American Credit Services violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |