What is the most common complaint against Northern Arizona Creditors Service, Inc.?

The most common issue consumers report about Northern Arizona Creditors Service, Inc. is "Attempts to collect debt not owed", specifically "Debt was paid". This is based on 4 complaints filed with the CFPB.

Are complaints against Northern Arizona Creditors Service, Inc. increasing or decreasing?

Complaints against Northern Arizona Creditors Service, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Northern Arizona Creditors Service, Inc.'s reputation grade?

Northern Arizona Creditors Service, Inc. has a reputation grade of A (score: 81.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Northern Arizona Creditors Service, Inc. respond to consumer complaints?

Northern Arizona Creditors Service, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Northern Arizona Creditors Service, Inc. operate?

Northern Arizona Creditors Service, Inc. has received CFPB complaints from consumers in 2 states, with the most complaints from Arizona (3 complaints).

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

Northern Arizona Creditors Service, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade A.

Compiled by PlainCollector

Attempts to collect debt not owed

2
Written notification about debt

1
Cont'd attempts collect debt not owed

1

Data updated September 2026

CFPB complaint disposition

CCDB record northern-arizona-creditors-service-inc Northern Arizona Creditors Service, Inc.

Grade A · 4 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #3450 · compose #263

VOL 4
GRADE A
12MO 0
STATES 2
TIMELY 100%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #3,450
COMPOSE #263

Volume peers

Nearest volume peer: 90 Day Credit Experts (4 complaints)

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

Northern Arizona Creditors Service, Inc.'s 4 CFPB complaints sit next to 90 Day Credit Experts 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

75.0% of Northern Arizona Creditors Service, Inc.'s CFPB filings land in Arizona

High volume does not equal a clean composite: Northern Arizona Creditors Service, Inc. is volume #3,450 but composite #263, while Arizona dominates the geography. Corpus placement method.

Dominant state: Arizona 75.0%; 3 of 4 filings · 2 states touched
Spike month: 2025-03 18.2%; 2 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,450 volume; #263 composite; Cleanest-composite ladder is 3,187 places better than volume

How does Northern Arizona Creditors Service, Inc. compare to its peers?

How does Northern Arizona Creditors Service, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Northern Arizona Credi… 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)

2024-09 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	2
Written notification about debt	1
Cont'd attempts collect debt not owed	1

Where do complaints against Northern Arizona Creditors Service, Inc. come from?

Northern Arizona Creditors Service, Inc.'s own per-state count, not a national baseline.

Arizona

3
Nevada

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Northern Arizona Creditors Service, Inc.: 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: 4.

4 peers

Know your rights before responding to Northern Arizona Creditors Service, Inc.: 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.