Total CFPB complaints
6
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 6 complaints
North Capital Recovery Services — Debt Collector Complaint Profile
CFPB complaint profile across 5 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about North Capital Recovery Services
- Taking/threatening an illegal action
Taking/threatening an illegal action
2 complaints
- Communication tactics
Communication tactics
2 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
1 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
1 complaints
C
Grade C · 63.9/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about North Capital Recovery Services?
North Capital Recovery Services has accumulated 6 total CFPB complaints across 5 states, with 3 filed in the most recent 12 months against 3 historical complaints before that window. The trailing-12-month volume represents 50.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Taking/threatening an illegal action", narrowing to "Threatened arrest/jail if do not pay", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 50% timely-response rate against a 0% 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 5 states, led by Florida with 2 and Utah with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 63.9/100 places North Capital Recovery Services in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
3
50.0% of total history
Rising ↑
States active
5
Distinct state filings
Timely response rate
50%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
C
63.9/100 composite
Response-quality profile
How North Capital Recovery Services performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 50.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 8.9%
Share of US states + territories with at least one filed complaint against this collector.
How does North Capital Recovery Services compare to its peers?
North Capital Recovery… 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)
2014-05 2025-11
Top Consumer Issues
Taking/threatening an illegal action2 (%)
Communication tactics2 (%)
Attempts to collect debt not owed1 (%)
Cont'd attempts collect debt not owed1 (%)
Most common issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
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 |
|---|---|---|
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 2 |
| Communication tactics | Frequent or repeated calls | 1 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
Where do complaints against North Capital Recovery Services come from?
The states where consumers have filed the most CFPB complaints against North Capital Recovery Services. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against North Capital Recovery Services
Across 5 states with at least one filing
- Florida
Florida
2 complaints
- Utah
Utah
1 complaints
- North Dakota
North Dakota
1 complaints
- North Carolina
North Carolina
1 complaints
- Virginia
Virginia
1 complaints
Frequently Asked Questions
What is the most common complaint against North Capital Recovery Services? ▼
The most common issue consumers report about North Capital Recovery Services is "Taking/threatening an illegal action", 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: 63.9/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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).
What can I do if North Capital Recovery 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 Capital Recovery 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 |