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 0.3% 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. (0.3% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 4

Sorted by most complaints

Mohela

F
40 total complaints ↑ rising

R & B Corporation of Virginia

D
40 total complaints ↓ falling

Wakefield & Associates, Inc.

F
39 total complaints ↓ falling

Atlanticus Services Corporation

D
38 total complaints ↑ rising

EOS Holdings, Inc.

D
38 total complaints ↓ falling

Franklin Collection Service, Inc.

D
38 total complaints ↓ falling

I.q. Data International, Inc.

D
38 total complaints ↓ falling

Midwest Recovery Systems

F
38 total complaints ↓ falling

First Credit Services Inc.

D
37 total complaints ↑ rising

Synergetic Communication Inc

D
37 total complaints ↑ rising

AES/Pheaa

D
36 total complaints ↓ falling

Absolute Resolutions Corp.

C
36 total complaints ↑ rising

CarMax, Inc.

C
36 total complaints ↑ rising

Creditors Bureau Associates

D
36 total complaints → stable

Fairway Capital Recovery, LLC

C
36 total complaints ↑ rising

The Bureaus, Inc.

D
36 total complaints → stable

U.s. Bancorp

D
36 total complaints ↓ falling

American Credit Acceptance, LLC

D
35 total complaints ↑ rising

Hyundai Capital America

C
35 total complaints ↑ rising

Colony Brands, Inc.

F
34 total complaints → stable

Eastern Account Systems of Connecticut, Inc.

D
32 total complaints ↑ rising

Linebarger Goggan Blair & Sampson LLP

D
32 total complaints ↓ falling

NCC Business Services, Inc.

D
32 total complaints ↓ falling

Trinity Hope Associates

D
32 total complaints ↓ falling

BB&T Corporation

D
31 total complaints ↓ falling

Healthcare Receivables Group, Inc.

C
31 total complaints ↓ falling

Kross, Lieberman & Stone, Inc.

F
31 total complaints ↓ falling

Westcreek Financial

F
31 total complaints ↑ rising

LJ Ross Associates

D
30 total complaints ↑ rising

Cedars Business Services, LLC

D
29 total complaints ↑ rising

College Foundation, Inc.

D
29 total complaints ↑ rising

FC HoldCo LLC

C
29 total complaints ↑ rising

Sterling Jewelers, Inc.

C
29 total complaints ↓ falling

World Omni Financial Corp.

C
29 total complaints ↑ rising

American Coradius International LLC

D
28 total complaints ↓ falling

Applied Business Services, Inc.

D
28 total complaints ↓ falling

Consumer Portfolio Services, Inc.

D
28 total complaints ↑ rising

CNG Financial Corporation

D
27 total complaints → stable

Continental Services Group, Inc. d/b/a ConServe

C
27 total complaints → stable

Maximus Federal Services, Inc.

F
27 total complaints ↑ rising

MoneyLion Inc.

F
27 total complaints ↑ rising

Specialized Loan Servicing Holdings LLC

D
27 total complaints ↓ falling

Tenet Healthcare Corporation

D
27 total complaints ↓ falling

URS Holding, LLC

D
27 total complaints ↓ falling

Bounce AI, Inc.

F
26 total complaints ↑ rising

Contract Callers Inc

D
26 total complaints ↑ rising

P&B Capital Group, LLC

F
26 total complaints → stable

Southern Credit Adjusters, Inc.

B
26 total complaints ↓ falling

Stellar Recovery, Inc.

D
26 total complaints ↓ falling

Aargon Agency, Inc.

F
25 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.