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 20

Sorted by most complaints

United Student Aid (USA) Funds

C
2 total complaints ↓ falling

Volvo Car Financial Services U.S., LLC

C
2 total complaints ↑ rising

William J Allen, P.A.

F
2 total complaints ↓ falling

Zenith Financial Network Inc

F
2 total complaints ↓ falling

2288984 Ontario Inc.

C
1 total complaints ↑ rising

950 Credit Inc

B
1 total complaints ↑ rising

A & E Futures LLC

C
1 total complaints ↓ falling

Account Services Inc.

B
1 total complaints ↓ falling

ADP Inc.

F
1 total complaints ↓ falling

Alpha Collection Services

F
1 total complaints ↑ rising

American Adjustment Bureau,Inc.

C
1 total complaints ↓ falling

Ameris Bancorp

C
1 total complaints ↑ rising

Apple Recovery Services Corp

F
1 total complaints ↓ falling

ARC Services

D
1 total complaints ↓ falling

ARM WNY LLC

F
1 total complaints ↓ falling

Atlantic Pacific Mortgage Corp

F
1 total complaints ↑ rising

Axos Financial, Inc.

C
1 total complaints → stable

Absolute Recovery Services, LLC

D
1 total complaints ↑ rising

Accelerated Servicing Group LLC

F
1 total complaints ↓ falling

Account Brokers Inc.

F
1 total complaints ↓ falling

Account Services Collections, Inc

C
1 total complaints ↓ falling

Accounts Receivable Inc.

B
1 total complaints ↓ falling

Accscient, LLC

F
1 total complaints → stable

Ace Motor Acceptance Corporation

C
1 total complaints ↓ falling

Acquired Assets, Ltd.

C
1 total complaints ↓ falling

Afterpay US Services, LLC

B
1 total complaints ↓ falling

Alabama Housing Finance Authority

B
1 total complaints ↓ falling

Allegiance Accounting Services, LLC

F
1 total complaints ↓ falling

Allegiant Capital Recovery LLC

F
1 total complaints ↓ falling

Allied Account Services, Inc.

C
1 total complaints ↓ falling

Alpine Credit, Inc

D
1 total complaints ↓ falling

Alternative Collections LLC

B
1 total complaints ↓ falling

American Acceptance Corp. of South Carolina

A
1 total complaints ↓ falling

American Collection Systems, Inc. (OH)

F
1 total complaints ↓ falling

American Credit Adjusters

B
1 total complaints ↓ falling

American Credit Financial

C
1 total complaints ↓ falling

American Finance LLC

A
1 total complaints ↓ falling

American Location Specialists

F
1 total complaints ↓ falling

Anderson and Associates Credit Services, LLC

C
1 total complaints ↓ falling

Apex Resolution Group LLC

F
1 total complaints ↓ falling

AppFolio, Inc.

F
1 total complaints ↑ rising

Apple Auto Sales, Inc.

A
1 total complaints ↓ falling

Arcon Credit Solutions LLC

D
1 total complaints ↑ rising

Armed Forces Loans of Nevada Inc.

A
1 total complaints ↓ falling

Armor Systems Corporation

C
1 total complaints ↓ falling

Arnold Scott Harris, P.C.

D
1 total complaints ↓ falling

Ascent Holding Co

C
1 total complaints ↑ rising

Ashfield Management Services Inc,

F
1 total complaints ↓ falling

Asset Collections Inc

C
1 total complaints → stable

Asset Management Professionals, LLC

C
1 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.