Total CFPB complaints
8
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 8 complaints
North Idaho Credit Corporation — Debt Collector Complaint Profile
CFPB complaint profile across 4 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about North Idaho Credit Corporation
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
2 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
2 complaints
- Threatened to contact someone or share information improperly
Threatened to contact someone or share information improperly
1 complaints
- Taking/threatening an illegal action
Taking/threatening an illegal action
1 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
1 complaints
- Communication tactics
Communication tactics
1 complaints
B
Grade B · 75.5/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about North Idaho Credit Corporation?
North Idaho Credit Corporation has accumulated 8 total CFPB complaints across 4 states, with 0 filed in the most recent 12 months against 8 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "Threatened to contact someone or share information improperly", narrowing to "Talked to a third-party about your debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 88% 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 4 states, led by Idaho with 4 and Washington with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 75.5/100 places North Idaho Credit Corporation in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Falling ↓
States active
4
Distinct state filings
Timely response rate
88%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
75.5/100 composite
Response-quality profile
How North Idaho Credit Corporation performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 87.5%
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 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does North Idaho Credit Corporation compare to its peers?
North Idaho Credit Cor… 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)
2016-12 2024-08
Top Consumer Issues
Threatened to contact someone or share information improperly1 (%)
Took or threatened to take negative or legal action2 (%)
Attempts to collect debt not owed2 (%)
Taking/threatening an illegal action1 (%)
Cont'd attempts collect debt not owed1 (%)
Communication tactics1 (%)
Most common issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
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 |
|---|---|---|
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 1 |
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
Where do complaints against North Idaho Credit Corporation come from?
The states where consumers have filed the most CFPB complaints against North Idaho Credit Corporation. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against North Idaho Credit Corporation
Across 4 states with at least one filing
- Idaho
Idaho
4 complaints
- Washington
Washington
2 complaints
- California 1
California
1 complaints
- Oregon 1
Oregon
1 complaints
Frequently Asked Questions
What is the most common complaint against North Idaho Credit Corporation? ▼
The most common issue consumers report about North Idaho Credit Corporation is "Threatened to contact someone or share information improperly", specifically "Talked to a third-party about your debt". This is based on 8 complaints filed with the CFPB.
Are complaints against North Idaho Credit Corporation increasing or decreasing? ▼
Complaints against North Idaho Credit Corporation are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.
What is North Idaho Credit Corporation's reputation grade? ▼
North Idaho Credit Corporation has a reputation grade of B (score: 75.5/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does North Idaho Credit Corporation respond to consumer complaints? ▼
North Idaho Credit Corporation has a 88% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does North Idaho Credit Corporation operate? ▼
North Idaho Credit Corporation has received CFPB complaints from consumers in 4 states, with the most complaints from Idaho (4 complaints).
What can I do if North Idaho Credit Corporation 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 Idaho Credit Corporation 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 |