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

CFPB complaint data Grade C 6 complaints

North Capital Recovery Services - Debt Collector Complaint Profile

CFPB complaint profile across 5 states, reputation grade C.

Complaints by issue type

What consumers report about North Capital Recovery Services

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 63.9/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

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

The verdict

A reputation grade of C: North Capital Recovery Services ranks ahead of 56% of the 5,283 collectors PlainCollector grades - 44% keep a cleaner CFPB record, on 6 all-time complaints and a 50% timely-response rate.

56th pct
reputation rank of 5,283 graded collectors
6
CFPB complaints, all-time
50%
answered inside the CFPB window
3
in the last 12 months (rising)

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 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 "Communication tactics", narrowing to "Threatened arrest/jail if do not pay". The company posts a 50% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 5 states, led by Florida with 2 and North Carolina with 1. Normalized against the full CFPB collector database, the reputation score of 63.9/100 places North Capital Recovery Services in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

6

low-volume (CCDB)

Last 12 months

3

50.0% of all-time complaints

Rising ↑

States active

5

regional footprint

Timely response rate

50%

below sla band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

C

63.9/100 composite

How does North Capital Recovery Services's reputation rank nationally?

Reputation score vs. every graded collector

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

64 56th percentile higher than 56% 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%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 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 Capital Recovery Services versus the debt-collection vertical average.

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?

How does North Capital Recovery Services compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
North Capital Recovery… National average
Complaints (last 12 mo)lower is better
3
1
268
Timely-response ratehigher is better
50%
100%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2018-06 2025-12

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against North Capital Recovery Services

Across 5 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if North Capital Recovery Services contacts you

A grade of C signals how North Capital Recovery 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 Capital Recovery 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 Capital Recovery 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 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: 63.9/100), 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).

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.