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 16

Sorted by most complaints

Audit Systems,Inc

B
2 total complaints ↓ falling

Automobile Acceptance Corporation

B
2 total complaints → stable

Account Discovery Systems, LLC

C
2 total complaints ↓ falling

Action Financial Services, LLC

C
2 total complaints ↓ falling

Advanced Call Center Technologies, LLC

B
2 total complaints ↓ falling

Affirmative Law, PC

F
2 total complaints ↑ rising

Alamo Premier Mortgage Group Inc

F
2 total complaints ↑ rising

All State Credit Bureau, Inc.

C
2 total complaints → stable

American Collection Services, Inc. (OK, TX)

C
2 total complaints ↓ falling

American Collection Systems, Inc.

B
2 total complaints ↓ falling

Andrews & Cox, P.C.

C
2 total complaints → stable

Arbor Residential Mortgage LLC

C
2 total complaints ↓ falling

Arena Investors, LP

F
2 total complaints ↓ falling

Asset Recovery Group, Inc.

D
2 total complaints ↓ falling

Assured Financial Partners

C
2 total complaints ↓ falling

Avid Acceptance, LLC

B
2 total complaints ↑ rising

Axiom Acquisition Ventures, LLC

C
2 total complaints → stable

BAM Financial, LLC

F
2 total complaints ↓ falling

BMO Bank National Association

2 total complaints ↑ rising

BOK Financial Corp

C
2 total complaints ↓ falling

BSI Financial Holdings, Inc.

D
2 total complaints → stable

Bay Area Receivables, Inc

D
2 total complaints ↓ falling

Berman & Rabin, P.A.

D
2 total complaints → stable

Bison Recovery Group, Inc.

B
2 total complaints ↓ falling

Bridge IT, Inc.

D
2 total complaints ↑ rising

Bronstein & Weiss Arbitration

F
2 total complaints ↓ falling

Brown’s New Credit Bureau Inc.

C
2 total complaints ↓ falling

Buckles & Buckles, P.L.C.

C
2 total complaints ↑ rising

Bureau of Accounts Control

F
2 total complaints ↓ falling

C & S Associates, Inc. dba NCS Credit

B
2 total complaints ↓ falling

CARS Acquisition, LLC

B
2 total complaints ↑ rising

CCM Finance LLC

F
2 total complaints ↑ rising

CFM Group LLC

C
2 total complaints ↓ falling

CFS2 Inc.

B
2 total complaints ↓ falling

CHECKredi of Kentucky, LLC

D
2 total complaints ↑ rising

CHS, Inc.

D
2 total complaints ↓ falling

Collection Services of Athens, Inc.

F
2 total complaints ↓ falling

Collections USA, Inc.

D
2 total complaints → stable

Community Choice Financial, Inc.

D
2 total complaints ↓ falling

Corelogic Inc

C
2 total complaints → stable

Caliber Home Loans, Inc.

D
2 total complaints ↓ falling

Carmichael & Frost LLC

D
2 total complaints ↑ rising

Carvana Group, LLC

D
2 total complaints → stable

Castle Credit Co Holdings, LLC, Chicago, IL Branch

C
2 total complaints ↓ falling

Ceannate

C
2 total complaints ↓ falling

Central Research Inc

D
2 total complaints ↑ rising

Chaplain Financial Services LLC

F
2 total complaints ↓ falling

Clark County Collection Service

D
2 total complaints → stable

Climb Credit Inc.

D
2 total complaints ↑ rising

Coastal Finance Company, Inc.

A
2 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.