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 1% 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. (1% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 2

Sorted by most complaints

MRS BPO, LLC

D
135 total complaints → stable

Ally Financial Inc.

D
133 total complaints ↑ rising

Sequium Asset Solutions, LLC

F
133 total complaints ↑ rising

OneMain Finance Corporation

F
133 total complaints ↑ rising

TrueAccord Corp.

D
132 total complaints ↑ rising

Kikoff Inc.

F
130 total complaints ↑ rising

KLS Financial Services, Inc

F
129 total complaints → stable

Millco Management

C
128 total complaints ↓ falling

Self Financial Inc.

F
126 total complaints ↑ rising

Santander Holdings USA, Inc.

F
125 total complaints ↑ rising

Truist Financial Corporation

F
125 total complaints ↑ rising

Credit Control, LLC

F
121 total complaints ↑ rising

The Outsource Group, Inc

F
121 total complaints ↓ falling

Harris & Harris, Ltd.

D
118 total complaints ↑ rising

Afni Inc.

D
116 total complaints ↓ falling

Convergent Resources, Inc.

D
111 total complaints ↓ falling

ProCollect, Inc.

F
108 total complaints ↑ rising

Financial Data Systems

F
107 total complaints ↓ falling

Navient Solutions, LLC.

D
106 total complaints ↓ falling

Source Receivables Management LLC

D
103 total complaints ↑ rising

W&A Intermediate Co., LLC

F
99 total complaints ↑ rising

Spring Oaks Capital, LLC

F
96 total complaints ↑ rising

NRA Group, LLC

D
94 total complaints ↑ rising

Acima Credit, LLC

C
93 total complaints ↑ rising

Barclays Bank Delaware

D
90 total complaints ↑ rising

Credit Acceptance Corporation

D
90 total complaints ↑ rising

RentDebt Automated Collections, LLC

D
90 total complaints ↑ rising

Lendmark Financial Services

D
89 total complaints ↑ rising

TD Bank US Holding Company

D
89 total complaints ↑ rising

Smith Debnam Narron Drake Saintsing & Myers LLP

F
85 total complaints ↓ falling

The CMI Group, Inc.

D
84 total complaints ↓ falling

Westlake Services, LLC

D
82 total complaints ↑ rising

Bridgecrest Acceptance Corporation

D
78 total complaints ↑ rising

Regional Management Corporation

D
78 total complaints ↑ rising

Nelnet, Inc.

D
77 total complaints ↑ rising

Army and Air Force Exchange Service

F
76 total complaints ↑ rising

NCB Management Services Inc.

D
76 total complaints ↑ rising

Receivables Management Partners, LLC

D
75 total complaints ↓ falling

Exeter Finance, LLC.

D
72 total complaints ↑ rising

Santander Consumer USA Holdings Inc.

D
72 total complaints ↓ falling

Capio Partners, LLC

C
71 total complaints → stable

Sessoms & Rogers, P.A.

C
71 total complaints ↓ falling

Mariner Finance, LLC

D
70 total complaints ↑ rising

Conn's, Inc.

D
69 total complaints ↓ falling

Monterey Financial Services LLC

D
69 total complaints ↑ rising

Phoenix Financial Services LLC

D
69 total complaints ↓ falling

Professional Debt Mediation, Inc.

F
66 total complaints → stable

Revco Management, LLC

F
66 total complaints ↑ rising

Security Credit Services, LLC

D
66 total complaints ↑ rising

United Services Automobile Association

D
66 total complaints → stable

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.