Total CFPB complaints
7
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 7 complaints
Northern Arizona Credit, Inc. — 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 Northern Arizona Credit, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
5 complaints
- Written notification about debt
Written notification about debt
2 complaints
B
Grade B · 68.5/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Northern Arizona Credit, Inc.?
Northern Arizona Credit, Inc. has accumulated 7 total CFPB complaints across 4 states, with 0 filed in the most recent 12 months against 7 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt was result of identity theft", 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, 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 Arizona with 4 and Maryland 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 68.5/100 places Northern Arizona Credit, Inc. 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
Stable →
States active
4
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
B
68.5/100 composite
Response-quality profile
How Northern Arizona Credit, Inc. 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.
State coverage breadth 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Northern Arizona Credit, Inc. compare to its peers?
Northern Arizona Credi… 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)
2018-11 2023-06
Top Consumer Issues
Attempts to collect debt not owed5 (%)
Written notification about debt2 (%)
Most common issue: Attempts to collect debt not owed — Debt was result of identity theft
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt was result of identity theft | 2 |
| Attempts to collect debt not owed | Debt is not yours | 2 |
| Written notification about debt | Didn't receive enough information to verify debt | 2 |
| Attempts to collect debt not owed | Debt was paid | 1 |
Where do complaints against Northern Arizona Credit, Inc. come from?
The states where consumers have filed the most CFPB complaints against Northern Arizona Credit, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Northern Arizona Credit, Inc.
Across 4 states with at least one filing
- Arizona
Arizona
4 complaints
- Maryland 1
Maryland
1 complaints
- Delaware 1
Delaware
1 complaints
- Ohio 1
Ohio
1 complaints
Frequently Asked Questions
What is the most common complaint against Northern Arizona Credit, Inc.? ▼
The most common issue consumers report about Northern Arizona Credit, Inc. is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 7 complaints filed with the CFPB.
Are complaints against Northern Arizona Credit, Inc. increasing or decreasing? ▼
Complaints against Northern Arizona Credit, Inc. have been stable. The company received 0 complaints in the last 12 months.
What is Northern Arizona Credit, Inc.'s reputation grade? ▼
Northern Arizona Credit, Inc. has a reputation grade of B (score: 68.5/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does Northern Arizona Credit, Inc. respond to consumer complaints? ▼
Northern Arizona Credit, Inc. has a 100% timely response rate to CFPB complaints.
In how many states does Northern Arizona Credit, Inc. operate? ▼
Northern Arizona Credit, Inc. has received CFPB complaints from consumers in 4 states, with the most complaints from Arizona (4 complaints).
What can I do if Northern Arizona Credit, Inc. 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 Northern Arizona Credit, Inc. 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 |