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 14

Sorted by most complaints

F&M Capital LLC

D
3 total complaints ↓ falling

Fidelity Capital Holdings, Inc

F
3 total complaints ↓ falling

Fay Servicing, LLC

D
3 total complaints ↓ falling

Financial Asset Management Systems Inc

C
3 total complaints ↓ falling

Financial Corporation of America

D
3 total complaints ↓ falling

Financial Management Solutions, LLC

D
3 total complaints ↓ falling

First Investors Servicing Corporation, Atlanta, GA Branch

C
3 total complaints ↓ falling

FlexShopper, Inc

D
3 total complaints → stable

Flexible Finance, Inc.

D
3 total complaints ↑ rising

Frederick J. Hanna & Associates, P.C. (closed)

D
3 total complaints ↓ falling

GMA Investments, LLC

F
3 total complaints ↓ falling

Global Recovery Group

F
3 total complaints ↓ falling

Grand Canyon Title, Agency, Inc.

F
3 total complaints ↑ rising

Guidiville Indian Rancheria

C
3 total complaints ↓ falling

Huntington National Bank, the

C
3 total complaints → stable

Happy Money, Inc.

F
3 total complaints ↑ rising

Immediate Credit Recovery

D
3 total complaints ↓ falling

International Computer Systems, Inc.

D
3 total complaints → stable

J J Marshall & Associates, Inc

D
3 total complaints → stable

John C. Heath, Attorney at Law, PLLC

C
3 total complaints ↓ falling

LCS Financial Services Corporation

C
3 total complaints → stable

Larry H. Miller Group of Companies

B
3 total complaints ↑ rising

Law Office of Michael J. Scott, PC

D
3 total complaints → stable

Lewis, McDonnell & Associates

F
3 total complaints ↓ falling

Local Data Recovery, LLC

F
3 total complaints → stable

M. G. Credit, Inc.

D
3 total complaints ↑ rising

MNS & Associates LLC

D
3 total complaints ↓ falling

Money Source, Inc., the

B
3 total complaints ↓ falling

Mar Joe Enterprises

C
3 total complaints ↓ falling

Medical Services Inc

C
3 total complaints ↑ rising

Mercury Financial Intermediate LLC

D
3 total complaints ↑ rising

Miller Davis & Peoples

C
3 total complaints ↓ falling

MiraMed Revenue Group LLC

C
3 total complaints ↓ falling

Ncsplus Incorporated

C
3 total complaints ↓ falling

NEW York Community Bancorp Inc

D
3 total complaints ↑ rising

National Recovery Solutions, LLC

C
3 total complaints → stable

Nationwide Credit & Collection, Inc.

D
3 total complaints → stable

New Century Financial Services, Inc.

C
3 total complaints ↓ falling

Niagara Credit Solutions, Inc

B
3 total complaints ↓ falling

Nicholas Financial Inc.

C
3 total complaints ↓ falling

North American Asset Services, LLC

D
3 total complaints ↓ falling

Oak Tree Financial Inc.

F
3 total complaints ↑ rising

Omnipoint Capital

F
3 total complaints ↑ rising

Oracle Financial Group LLC.

D
3 total complaints ↓ falling

Overton, Russell, Doerr and Donovan, LLP

F
3 total complaints ↓ falling

PCR Group

F
3 total complaints → stable

Planet Home Lending, LLC

C
3 total complaints ↑ rising

Preferred Credit Inc

C
3 total complaints ↑ rising

Prestige Financial Services Inc

C
3 total complaints ↓ falling

Pavilion Payments US BuyerCo, LLC

D
3 total complaints ↓ falling

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.