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 filings are dispersed: the top three collectors hold only 0% of 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. (0% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 13

Sorted by most complaints

Southern Loans, Inc.

B
4 total complaints → stable

Stephens and Michaels Associates, Inc.

C
4 total complaints ↓ falling

Tidewater Finance Company, Inc.

C
4 total complaints ↓ falling

Talbot, Adams, & Moore, Inc.

D
4 total complaints ↓ falling

Terrill Outsourcing Group

C
4 total complaints ↓ falling

Texas Guaranteed

C
4 total complaints → stable

The Regional Adjustment Bureau, Incorporated

C
4 total complaints ↓ falling

Todd, Bremer & Lawson, Inc.

D
4 total complaints ↓ falling

United Check Recovery Bureau, Inc.

C
4 total complaints → stable

United Recovery Group, LLC (Closed)

C
4 total complaints ↓ falling

Virtuoso Sourcing Group, LLC.

F
4 total complaints ↓ falling

Wilco Finance, Inc

C
4 total complaints ↑ rising

Zenco Collection, LLC

C
4 total complaints ↓ falling

4 Star Resolution LLC (Closed)

F
3 total complaints ↓ falling

AA Recovery Solutions, Inc.

F
3 total complaints ↓ falling

AAS Debt Recovery, Inc.

D
3 total complaints → stable

AGS Financial, Inc

B
3 total complaints ↑ rising

Asta Funding Inc.

D
3 total complaints ↓ falling

Academy Mortgage Corporation

F
3 total complaints ↑ rising

Action Collection Agencies, Inc.

F
3 total complaints ↓ falling

Advanced Collection Bureau, Inc.

D
3 total complaints ↓ falling

AmeriCash Holding LLC

D
3 total complaints ↓ falling

American Collections Enterprise, Inc.

D
3 total complaints ↓ falling

American Recovery Service Incorporated

D
3 total complaints ↓ falling

Ascendium Education Group

F
3 total complaints ↓ falling

Ascension Point Recovery Services, LLC

C
3 total complaints ↓ falling

Avant Credit Corporation

C
3 total complaints ↓ falling

Bank OZK

B
3 total complaints ↓ falling

Ballybunion Enterprises, Inc

D
3 total complaints ↓ falling

Bilateral Credit Corp, LLC

D
3 total complaints → stable

Brightwater Capital, LLC

C
3 total complaints ↓ falling

Brown and Joseph, Ltd

F
3 total complaints ↓ falling

CAB Receivables, Inc.

F
3 total complaints ↓ falling

Cash America International, Inc.

C
3 total complaints ↓ falling

Capital Link Management, LLC

F
3 total complaints ↓ falling

Cars America Inc.

F
3 total complaints ↑ rising

Century Finance, Inc.

A
3 total complaints ↓ falling

Collection Management Services, Inc.

D
3 total complaints → stable

Collection Technology Incorporated

C
3 total complaints ↓ falling

Collections Acquisition Company, Inc.

F
3 total complaints ↓ falling

Concord Resolution Inc (Closed)

F
3 total complaints ↓ falling

Consumer Collection Management. Inc

F
3 total complaints → stable

Credit Counsel, Inc.

C
3 total complaints → stable

Credit Fresh Holdings Inc

F
3 total complaints ↑ rising

Credit Service International Corp

C
3 total complaints ↑ rising

Creditors Collection Bureau, Inc.

D
3 total complaints ↓ falling

Crescent City Credit Recovery, Inc.

F
3 total complaints ↑ rising

DCN Holdings Inc.

F
3 total complaints ↓ falling

Dyck-O'Neal, Inc.

D
3 total complaints ↓ falling

EDvantage LLC

B
3 total complaints ↑ rising

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

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.