What is the most common complaint against North Capital Recovery Services?

The most common issue consumers report about North Capital Recovery Services is "Communication tactics", specifically "Threatened arrest/jail if do not pay". This is based on 6 complaints filed with the CFPB.

Are complaints against North Capital Recovery Services increasing or decreasing?

Complaints against North Capital Recovery Services are rising. The company received 3 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is North Capital Recovery Services's reputation grade?

North Capital Recovery Services has a reputation grade of C (score: 61.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does North Capital Recovery Services respond to consumer complaints?

North Capital Recovery Services has a 50% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does North Capital Recovery Services operate?

North Capital Recovery Services has received CFPB complaints from consumers in 5 states, with the most complaints from Florida (2 complaints).

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

North Capital Recovery Services - Debt Collector Complaint Profile

CFPB complaint profile across 5 states, reputation grade C.

Compiled by PlainCollector

Communication tactics

2
Taking/threatening an illegal action

2
Attempts to collect debt not owed

1
Cont'd attempts collect debt not owed

1

Data updated September 2026

CFPB complaint disposition

CCDB record north-capital-recovery-services North Capital Recovery Services

Grade C · 6 CFPB filings · 50% timely · lead issue: Communication tactics · vol #3013 · compose #2208

VOL 6
GRADE C
12MO 3
STATES 5
TIMELY 50%
DISPUTE 0%
ISSUE Communication tactics
RANK #3,013
COMPOSE #2,208

Volume peers

Nearest volume peer: 1 Stop Money Centers, LLC (6 complaints)

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

North Capital Recovery Services's 6 CFPB complaints sit next to 1 Stop Money Centers, 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

33.3% of North Capital Recovery Services's CFPB filings land in Florida

High volume does not equal a clean composite: North Capital Recovery Services is volume #3,013 but composite #2,208, while Florida dominates the geography. Corpus placement method.

Dominant state: Florida 33.3%; 2 of 6 filings · 5 states touched
Seasonal peak: 2018-10 11.1%; 8–15% band · 3 filings
Divergent corpus ranks: #3,013 volume; #2,208 composite; Cleanest-composite ladder is 805 places better than volume

How does North Capital Recovery Services compare to its peers?

How does North Capital Recovery 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 Capital Recovery… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

50%

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2018-06 2025-12

Issue Detail Breakdown

Issue	Complaints
Communication tactics	2
Taking/threatening an illegal action	2
Attempts to collect debt not owed	1
Cont'd attempts collect debt not owed	1

Where do complaints against North Capital Recovery Services come from?

North Capital Recovery Services's own per-state count, not a national baseline.

Florida

2
North Carolina

1
North Dakota

1
Utah

1
Virginia

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for North Capital Recovery 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: 6.

4 peers

Know your rights before responding to North Capital Recovery 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.