Total CFPB complaints
31
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 31 complaints
North State Acceptance, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 7 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about North State Acceptance, LLC
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
8 complaints
- False statements or representation
False statements or representation
8 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
7 complaints
- Electronic communications 3
Electronic communications
3 complaints
- Written notification about debt 2
Written notification about debt
2 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
B
Grade B · 71.1/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about North State Acceptance, LLC?
North State Acceptance, LLC has accumulated 31 total CFPB complaints across 7 states, with 14 filed in the most recent 12 months against 17 historical complaints before that window. The trailing-12-month volume represents 45.2% 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 "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% 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 7 states, led by North Carolina with 19 and South Carolina with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 71.1/100 places North State Acceptance, LLC 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
14
45.2% of total history
Rising ↑
States active
7
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
71.1/100 composite
Response-quality profile
How North State Acceptance, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
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 12.5%
Share of US states + territories with at least one filed complaint against this collector.
How does North State Acceptance, LLC compare to its peers?
North State Acceptance… 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)
2017-02 2026-01
Top Consumer Issues
Took or threatened to take negative or legal action8 (%)
False statements or representation8 (%)
Attempts to collect debt not owed7 (%)
Written notification about debt2 (%)
Electronic communications3 (%)
Disclosure verification of debt1 (%)
Communication tactics1 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 8 |
| False statements or representation | Attempted to collect wrong amount | 8 |
| Attempts to collect debt not owed | Debt is not yours | 4 |
| Written notification about debt | Didn't receive enough information to verify debt | 2 |
| Electronic communications | Frequent or repeated messages | 2 |
| Attempts to collect debt not owed | Debt was result of identity theft | 2 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
| Electronic communications | Contacted before 8am or after 9pm | 1 |
Where do complaints against North State Acceptance, LLC come from?
The states where consumers have filed the most CFPB complaints against North State Acceptance, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against North State Acceptance, LLC
Across 7 states with at least one filing
- North Carolina
North Carolina
19 complaints
- South Carolina 4
South Carolina
4 complaints
- Florida 3
Florida
3 complaints
- California 2
California
2 complaints
- New Jersey 1
New Jersey
1 complaints
- New York 1
New York
1 complaints
- West Virginia 1
West Virginia
1 complaints
Frequently Asked Questions
What is the most common complaint against North State Acceptance, LLC? ▼
The most common issue consumers report about North State Acceptance, LLC is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 31 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 14 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: 71.1/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
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 7 states, with the most complaints from North Carolina (19 complaints).
What can I do if North State Acceptance, LLC 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 State Acceptance, LLC 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 |