State complaint profile

Debt collection complaints in North Carolina

38,233 CFPB complaints filed against 1,462 debt collectors active in North Carolina.

Complaints: 38,233
Collectors: 1,462
Top collector: Equifax, Inc.

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

North Carolina at a glance

North Carolina consumers have filed 38,233 CFPB debt-collection complaints against 1,462 collectors.

38,233
CFPB complaints filed: 1,462
collectors active here: #1
most-complained: Equifax, Inc.

State-of-residence is the consumer's address at filing, not the collector's. A complaint is a consumer filing, not a proven violation.

Insights: Debt Collection in North Carolina

North Carolina sits near the top of the state complaint ladder at #8 of 56 by absolute CFPB filings (38,233 complaints).

This is a dense end-of-ladder state. National debt buyers and the three credit bureaus usually dominate the chart above; use the state mix to see whether one buyer or bureau is over-indexed relative to volume peers before reading the national grade curve.

The collector with the most complaints from North Carolina residents in this extract is Equifax, Inc. (12.3% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Equifax, Inc.

1,617
Transunion Intermediate Holdings, Inc.

1,570
Resurgent Capital Services L.P.

1,527
Experian Information Solutions Inc.

1,356
Encore Capital Group Inc.

1,248
Portfolio Recovery Associates, LLC

1,171
National Credit Systems,Inc.

1,013
CL Holdings LLC

971

What this shows These eight collectors draw the most complaints from North Carolina residents, usually national bureaus and large debt buyers operating in every state.

Equifax, Inc.

1,617
Transunion Intermediat

1,570
Resurgent Capital Serv

1,527
All other collectors

33,519

What this shows The top three names account for 12.3% of North Carolina filings in this extract, a state-specific concentration cut, not a national grade curve.

Active Debt Collectors

Sorted by most complaints

If a collector is contacting you in North Carolina

High-volume states still start with the federal record, then verify any state-law question with an official source.

Start with the densest North Carolina names on the chart, then open each national record before you respond or pay. Browse rankings
Demand written debt validation within 30 days of first contact - high-volume states see the same FDCPA clock. Validation letter
File with the CFPB first (public record + 15-day company reply), then check official North Carolina AG channels if needed. Your rights

Complaint volume reflects consumer filings, not collector misconduct or a legal conclusion. This is not legal advice.

Read our methodology - how this data is sourced, computed, and verified.

Read with North Carolina

Equifax, Inc. Leads North Carolina complaint volume in this extract
Pennsylvania complaint profile Nearest volume peer (40,073 complaints)
Illinois complaint profile Nearest volume peer (41,794 complaints)
States by complaint volume North Carolina sits in the dense end of the state ladder
Debt validation letter High filing volume - written validation is the usual first step
Compare collectors side-by-side Check response rates for the agencies contacting North Carolina residents

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.

Filing a Complaint as a North Carolina Resident

North Carolina's dense filing book means the CFPB channel at consumerfinance.gov/complaint is usually the fastest public-record path (15-day company reply). Parallel options: the North Carolina attorney general's consumer division and the state banking-and-finance regulator that may license collectors here. Open the CFPB complaint form.

Compiled by PlainCollector, Debt Collector Reputation Editorial Process

Publisher	PlainCollector
Sources	the CFPB Consumer Complaint Database

Debt collection complaints in North Carolina

Insights: Debt Collection in North Carolina

Active Debt Collectors

Equifax, Inc.

Transunion Intermediate Holdings, Inc.

Resurgent Capital Services L.P.

Experian Information Solutions Inc.

Encore Capital Group Inc.

Portfolio Recovery Associates, LLC

National Credit Systems,Inc.

CL Holdings LLC

I.C. System, Inc.

Bull City Financial Solutions, Inc

CCS Financial Services, Inc.

FirstPoint Collection Resources

Capital ONE Financial Corporation

Bread Financial Holdings, Inc.

Synchrony Financial

Caine & Weiner Company, Inc.

Kriya Capital, LLC

HW Holding, Inc

ONLINE Information Services, Inc.

Transworld Systems Inc

Citibank, N.a.

Radius Global Solutions LLC

Wells Fargo & Company

State Employees Credit Union

Medical Data Systems, Inc.

Jon Barry and Associates, Inc.

ERC

SCA Collections, Inc.

Affirm Holdings, Inc

Sunrise Credit Services, Inc

Optimum Outcomes, Inc.

Helvey & Associates, Inc., Warsaw, IN Branch

Bank of America, National Association

Discover Bank

Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis

Servicer under contract with Federal Student Aid

T.S. Holdings

Fair Collections & Outsourcing, Inc.

Jpmorgan Chase & Co.

Navy Federal Credit Union

Southwest Credit Systems, L.P.

The CBE Group, Inc.

Amsher Collection Services, Inc.

Pmab,LLC

Rent Recovery Solutions

American Express Company

Ability Recovery Services, LLC

Diversified Consultants, Inc.

DataMax Corporation

Aldous & Associates, PLLC

Read with North Carolina

Filing a Complaint as a North Carolina Resident