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

CFPB complaint data Grade D 141 complaints

NPAS, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 28 states, reputation grade D.

Complaints by issue type

What consumers report about NPAS, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record npas-inc NPAS, Inc.

Grade D · 141 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed

  • VOL 141
  • GRADE D
  • 12MO 25
  • STATES 28
  • TIMELY 99%
  • ISSUE Attempts to collect debt n…
  • RANK #684
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Access Receivables of NC Inc. (141 complaints)

Access Receivables of NC Inc.Access Receivables of NC Inc.141Everest Receivable Services Inc.Everest Receivable Services …141FMS Inc.FMS Inc.141NPAS, Inc. (this)NPAS, Inc. (this)141Immediate Credit RecoveryImmediate Credit Recovery142
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

NPAS, Inc.'s 141 CFPB complaints sit next to Access Receivables of NC Inc. 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 →

How the 141 complaints break down

Every complaint issue type on record for NPAS, Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
49.2/100
NPAS, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
141
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

Texas is the plurality state for NPAS, Inc. (15.6%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
Texas 15.6%
Mid-band (15–30%) · 28 states with ≥1 filing
Seasonal peak
2026-03 8.3%
8–15% band · 7 filings
Corpus ranks
#684 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does NPAS, Inc. compare to its peers?

How does NPAS, 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
NPAS, Inc. National average
Complaints (last 12 mo)lower is better
25
7
268
Timely-response ratehigher is better
99%
98%
91%
Consumer-dispute ratelower is better
0%
17%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy NPAS, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 85%90%95%100% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) NPAS, Inc. vs. 10 similar-volume peers, by response speed and dispute rate FMS Inc.Everest Receivable Services Inc.Access Receivables of NC Inc.HEAD MERCANTILE CO., INC.Veros Credit, LLCImmediate Credit RecoveryMerchants Credit CorporationNations Recovery CenterRetail Merchants AssociatesOverton, Russell, Doerr and Donovan, LLP
Source: CFPB Consumer Complaint Database

NPAS, Inc.'s complaint volume in context

NPAS, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

141 Top 13% higher than 87% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). This entry sits in this band. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. NPAS, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Stable →
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
74
False statements or representation
20
Written notification about debt
19
Communication tactics
17
Took or threatened to take negative or legal action
10
Electronic communications
1

Where do complaints against NPAS, Inc. come from?

NPAS, Inc.'s own per-state count, not a national baseline.

Top states by complaints against NPAS, Inc.

Across 28 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for NPAS, 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: 141.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.25373134328358%.

4 peers

Know your rights before responding to NPAS, 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.