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 25

Sorted by most complaints

Internal Check Systems, LLC

F
1 total complaints ↓ falling

Interstate Credit & Collection, Inc.

F
1 total complaints ↓ falling

Investigation & Recovery Assoc. LLC

D
1 total complaints ↓ falling

Ivy Street Development Corp.

D
1 total complaints ↓ falling

JLO Ventures LLC dba Car By U

A
1 total complaints ↑ rising

JP Recovery Services, Inc.

C
1 total complaints ↓ falling

Jacobs, Marsh LLC

D
1 total complaints ↓ falling

Javitch, Block & Rathbone LLC

D
1 total complaints → stable

John C. Bonewicz, P.C.

C
1 total complaints ↓ falling

Jonathan Neil & Associates, Inc

D
1 total complaints ↓ falling

Kansas Counselors, Inc.

D
1 total complaints ↓ falling

Kentucky Higher Education Assistance Authority

C
1 total complaints → stable

Key Debt Recovery, Inc.

B
1 total complaints ↑ rising

Keystone Law LLC

C
1 total complaints → stable

Khoury Alternative Claims Management

C
1 total complaints ↓ falling

Kirkland Asset Management LLC

D
1 total complaints ↓ falling

Kirschenbaum & Phillips P.C

D
1 total complaints ↓ falling

Klima, Peters & Daly, P.A.

C
1 total complaints → stable

L.B.Gray LLC A Debt Collection Agency

B
1 total complaints ↑ rising

LCB Rent Reporting Ltd.

C
1 total complaints ↑ rising

Lobel Financial Corporation

C
1 total complaints ↑ rising

LPSG

B
1 total complaints ↓ falling

Lakeside Recovery Solutions

F
1 total complaints ↓ falling

Landmark Collection Services Inc.

F
1 total complaints ↑ rising

Law Office of Cynthia Hitt Kent, LLC

A
1 total complaints ↓ falling

Law Office of J.A. Cambece

D
1 total complaints ↓ falling

Law Offices of Crystal Moroney, P.C.

B
1 total complaints ↓ falling

Law Offices of Ed Overcash, LLC

A
1 total complaints ↓ falling

Law Offices of Michael Lupolover

D
1 total complaints ↑ rising

Leading Edge Recovery Solutions, LLC

C
1 total complaints ↓ falling

Leap Credit, LLC

F
1 total complaints ↓ falling

Legal Action Bureau Inc

F
1 total complaints ↓ falling

Legal Prevention Services, LLC.

B
1 total complaints ↓ falling

Legal Recovery Law Offices, Inc

F
1 total complaints ↓ falling

Lendbuzz Inc.

C
1 total complaints ↑ rising

LendingUSA

B
1 total complaints → stable

Lenmo Inc

F
1 total complaints ↓ falling

Liberty Holdings, LLC

F
1 total complaints ↓ falling

Lien Enforcement Inc

D
1 total complaints → stable

Lincoln Educational Services Corporation

C
1 total complaints → stable

Lloyd & McDaniel, PLC

D
1 total complaints ↑ rising

London & London

B
1 total complaints ↓ falling

Louisiana Recovery Services Inc.

C
1 total complaints ↓ falling

Love, Beal & Nixon, P.C.

D
1 total complaints ↓ falling

Lyon Collection Services, Inc

B
1 total complaints ↑ rising

M&S Recovery Solutions

B
1 total complaints ↓ falling

M. Richard Epps, P.C.

B
1 total complaints ↓ falling

M.L. Zager P.C.

C
1 total complaints ↓ falling

MCU Holdings, LLC

C
1 total complaints ↓ falling

Mission Financial Services Corporation

D
1 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.