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 0.2% 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. (0.2% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 5

Sorted by most complaints

Credit Protection Association, L.P.

D
25 total complaints ↓ falling

EdFinancial Services

C
25 total complaints ↑ rising

Kinum, Inc., Indianapolis, IN Branch

D
25 total complaints ↑ rising

National Enterprise Systems, Inc.

D
25 total complaints ↓ falling

Opportunity Financial, LLC

C
25 total complaints ↑ rising

Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch

D
25 total complaints ↓ falling

Unifin Inc.

D
25 total complaints ↑ rising

Complete Credit Solutions, Inc.

D
24 total complaints → stable

Ford Motor Credit Co.

D
24 total complaints → stable

Hovg, LLC

F
24 total complaints ↓ falling

Nissan Motor Acceptance Company LLC

C
24 total complaints → stable

Time Investment Corporation

B
24 total complaints ↑ rising

Citizens Financial Group, Inc.

C
23 total complaints → stable

USCB Corporation

D
23 total complaints ↑ rising

Williams, Rush & Associates, LLC

F
23 total complaints ↑ rising

Avante

D
22 total complaints ↓ falling

Choice Recovery, Inc.

D
22 total complaints ↓ falling

Creditor's Collection Service, Inc.

C
22 total complaints ↓ falling

North State Acceptance, LLC

B
22 total complaints ↑ rising

Southern Management Systems Inc.

F
22 total complaints → stable

Sunbit, Inc.

F
22 total complaints ↑ rising

Synovus Bank

C
22 total complaints ↓ falling

V and H Portfolio

D
22 total complaints ↑ rising

Avadyne Health Holdings, Inc

C
21 total complaints ↓ falling

Expert Global Solutions, Inc.

D
21 total complaints ↓ falling

Frost-Arnett Company

D
21 total complaints ↓ falling

January Technologies, Inc

F
21 total complaints ↑ rising

Klarna AB

F
21 total complaints ↑ rising

National Commercial Services, Inc

D
21 total complaints ↓ falling

Optio Solutions, LLC

D
21 total complaints ↑ rising

AmerAssist A/R Solutions, Inc.

F
20 total complaints ↓ falling

Bernhardt and Strawser, P.A.

B
20 total complaints ↓ falling

InDebted Corporation

F
20 total complaints ↑ rising

McCarthy, Burgess & Wolff, Inc.

D
20 total complaints ↓ falling

National Finance Company, Inc.

F
20 total complaints ↑ rising

Professional Recovery Consultants, Inc.

C
20 total complaints ↓ falling

Enova International, Inc.

D
19 total complaints → stable

Mid-Atlantic Finance Co., Inc.

D
19 total complaints ↑ rising

Northstar Location Services, LLC

D
19 total complaints ↓ falling

Reliant Capital Solutions, LLC

D
19 total complaints ↑ rising

SIMM Associates, Inc.

D
19 total complaints → stable

Avant Holding Company, Inc.

F
18 total complaints ↑ rising

Crown Asset Management, LLC, Duluth, GA Branch

D
18 total complaints → stable

Diverse Funding Associates LLC

D
18 total complaints ↑ rising

Ecmc Group, Inc.

D
18 total complaints ↓ falling

Focus Holding Company

D
18 total complaints ↓ falling

JH Portfolio Debt Equities, LLC

D
18 total complaints ↓ falling

ORG GC GP Buyer, LLC

D
18 total complaints ↓ falling

Pinnacle Financial Partners, Inc.

D
18 total complaints ↑ rising

Security Finance Corp

C
18 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.