What is the most common complaint against North State Acceptance, LLC?

The most common issue consumers report about North State Acceptance, LLC is "Attempts to collect debt not owed", specifically "Threatened or suggested your credit would be damaged". This is based on 37 complaints filed with the CFPB.

Are complaints against North State Acceptance, LLC increasing or decreasing?

Complaints against North State Acceptance, LLC are rising. The company received 19 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is North State Acceptance, LLC's reputation grade?

North State Acceptance, LLC has a reputation grade of B (score: 67.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does North State Acceptance, LLC respond to consumer complaints?

North State Acceptance, LLC has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does North State Acceptance, LLC operate?

North State Acceptance, LLC has received CFPB complaints from consumers in 8 states, with the most complaints from North Carolina (22 complaints).

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

North State Acceptance, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 8 states, reputation grade B.

Compiled by PlainCollector

Attempts to collect debt not owed

10
Took or threatened to take negative or legal action

9
False statements or representation

9
Written notification about debt

4
Electronic communications

3
Communication tactics

1

Data updated September 2026

CFPB complaint disposition

CCDB record north-state-acceptance-llc North State Acceptance, LLC

Grade B · 37 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #1398 · compose #1543

VOL 37
GRADE B
12MO 19
STATES 8
TIMELY 100%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #1,398
COMPOSE #1,543

Volume peers

Nearest volume peer: Bursey & Associates, P.C. (37 complaints)

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

North State Acceptance, LLC's 37 CFPB complaints sit next to Bursey & Associates, P.C. 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

59.5% of North State Acceptance, LLC's CFPB filings land in North Carolina

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state: North Carolina 59.5%; 22 of 37 filings · 8 states touched
Seasonal peak: 2025-03 9.8%; 8–15% band · 5 filings
Corpus ranks: #1,398 volume; #1,543 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does North State Acceptance, LLC compare to its peers?

How does North State Acceptance, LLC 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 State Acceptance… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-08 2026-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	10
Took or threatened to take negative or legal action	9
False statements or representation	9
Written notification about debt	4
Electronic communications	3
Communication tactics	1
Disclosure verification of debt	1

Where do complaints against North State Acceptance, LLC come from?

North State Acceptance, LLC's own per-state count, not a national baseline.

North Carolina

22
South Carolina

5
California

3
Florida

3
Mississippi

1
New Jersey

1
New York

1
West Virginia

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for North State Acceptance, LLC: 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: 37.

4 peers

Know your rights before responding to North State Acceptance, LLC: 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.