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 17

Sorted by most complaints

Coastline Financial Resources, LLC

F
2 total complaints ↓ falling

Cohen & Associates

F
2 total complaints ↓ falling

Collection Information Bureau, Inc.

D
2 total complaints ↓ falling

Collection Management Company

C
2 total complaints ↓ falling

Collection Resources, Inc.

C
2 total complaints ↓ falling

Commercial Acceptance Company

D
2 total complaints → stable

Cornerstone Mediation LLC

D
2 total complaints ↓ falling

Cottonwood Financial Ltd.

C
2 total complaints ↓ falling

Credit Bureau Services Association

D
2 total complaints → stable

Credit International Corporation

C
2 total complaints → stable

Credit Solutions

F
2 total complaints ↓ falling

Creditors' Service Bureau of Niles, Inc

B
2 total complaints ↓ falling

Creekside Recovery And Capital Management

B
2 total complaints ↓ falling

Douglas, Knight & Associates, Inc.

B
2 total complaints ↓ falling

DTA Group LLC

D
2 total complaints ↓ falling

Dynamic Recovery Services, Inc.

F
2 total complaints ↓ falling

De Lage Landen Finance, LLC

C
2 total complaints → stable

Diaz & Associates, Inc.

C
2 total complaints ↓ falling

DigniFi

D
2 total complaints ↑ rising

Direct Capital

F
2 total complaints ↓ falling

Doyle & Hoefs, LLC

C
2 total complaints ↓ falling

Dream Center Education Holdings

B
2 total complaints ↓ falling

EMCC Holdings, LLC

C
2 total complaints ↓ falling

Eagle Accounts Group, Inc.

C
2 total complaints ↓ falling

Earm LLC

F
2 total complaints ↓ falling

Enhanced Acquisitions, LLC

D
2 total complaints ↓ falling

First Advantage Corporation

F
2 total complaints ↑ rising

First Horizon Bank

C
2 total complaints ↓ falling

Federal Adjustment Bureau, Inc.

D
2 total complaints → stable

Federal Financial Services Inc

B
2 total complaints ↓ falling

Federated Capital Corporation

C
2 total complaints ↓ falling

Financial Freedom Group, LLC

C
2 total complaints ↑ rising

First Pacific Funding Inc.

2 total complaints ↑ rising

First Recovery Solutions, Inc.

F
2 total complaints ↓ falling

First Southwestern Financial Services, LLC

B
2 total complaints ↑ rising

First Step Group, LLC

C
2 total complaints ↓ falling

FirstCredit, Inc.

D
2 total complaints ↑ rising

Flagstar Bank, National Association

B
2 total complaints ↓ falling

Focused Recovery Solutions, Inc.

D
2 total complaints ↓ falling

Forest Recovery Services LLC

D
2 total complaints ↑ rising

Forster & Garbus LLP

D
2 total complaints ↓ falling

Fundo LLC

D
2 total complaints ↑ rising

Gatestone & Co. International Inc.

D
2 total complaints ↓ falling

General Financial, Inc.

F
2 total complaints ↓ falling

Global Portfolio Recovery, LLC

F
2 total complaints ↓ falling

Global United Arbitration LLC

C
2 total complaints ↓ falling

Grandeagle Financial, LLC

A
2 total complaints ↓ falling

Green Square Company LLC.

F
2 total complaints ↓ falling

Green Trust Cash, LLC

B
2 total complaints ↓ falling

HF Holdings

D
2 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.