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 0.1% 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. (0.1% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 6

Sorted by most complaints

SG and Associates

F
18 total complaints ↑ rising

Shellpoint Partners, LLC

D
18 total complaints → stable

A.R.M. Solutions, Inc.

C
17 total complaints ↓ falling

Aspen National Financial, Inc.

D
17 total complaints ↓ falling

Capital Management Services, LP

D
17 total complaints ↓ falling

Credit Card Receivables Fund Incorporated

D
17 total complaints ↓ falling

Delbert Services

D
17 total complaints ↓ falling

Fiserv Finxact Core

F
17 total complaints → stable

Financial Business and Consumer Solutions.

D
17 total complaints ↓ falling

First Data Corporation

D
17 total complaints ↓ falling

First Federal Credit Control, Inc.

D
17 total complaints ↓ falling

Hillcrest Davidson & Associates

D
17 total complaints ↓ falling

Pentagon Federal Credit Union

D
17 total complaints ↑ rising

Rhodes, Kelly Assoc Inc

B
17 total complaints ↓ falling

Roadrunner Account Services, LLC

D
17 total complaints ↑ rising

United PanAm Financial Corp.

C
17 total complaints ↑ rising

Alliance Collection Agencies, Inc.

C
16 total complaints ↓ falling

Alorica Inc.

D
16 total complaints ↓ falling

Client Services, Inc.

D
16 total complaints → stable

Nationwide Recovery Systems, Ltd

D
16 total complaints ↓ falling

Oportun Financial Corporation

C
16 total complaints ↑ rising

Resolve Partners, LLC

C
16 total complaints ↓ falling

SLM Corporation

C
16 total complaints → stable

Toyota Motor Credit Corporation

D
16 total complaints ↑ rising

United Credit and Collections Inc.

C
16 total complaints → stable

Riverwalk Financial Corporation

F
16 total complaints ↓ falling

American Honda Finance Corp

D
15 total complaints → stable

Asset Recovery Solutions, LLC

D
15 total complaints ↓ falling

Associated Credit Services, Inc.

D
15 total complaints → stable

Cawley & Bergmann, LLP

D
15 total complaints ↓ falling

Fidelity National Information Services, Inc. (FNIS)

D
15 total complaints ↓ falling

Fuel Capital Group

D
15 total complaints ↑ rising

Meridian Financial Services, Inc.

D
15 total complaints ↑ rising

Possible Financial Inc

F
15 total complaints ↑ rising

ResidentCollect, Inc.

F
15 total complaints → stable

Squaretwo Financial Corporation

D
15 total complaints ↓ falling

Sezzle Inc.

F
15 total complaints ↑ rising

Southwest Recovery Services, Inc.

D
15 total complaints → stable

Tenaglia & Hunt, PA

F
15 total complaints ↑ rising

Alliance One, Inc.

D
14 total complaints ↓ falling

Applied Data Finance, LLC

D
14 total complaints ↑ rising

Atlantic Recovery Solutions LLC

D
14 total complaints → stable

Capstone Credit & Collection, LLC.

C
14 total complaints → stable

Dynamic Recovery Solutions, LLC

D
14 total complaints ↓ falling

F.H. Cann & Associates, Inc.

D
14 total complaints ↑ rising

First Portfolio Servicing Inc

F
14 total complaints ↑ rising

Frontline Asset Strategies, LLC

D
14 total complaints ↓ falling

Jim Bottin Enterprises, Inc

D
14 total complaints → stable

Mercantile Adjustment Bureau, LLC

D
14 total complaints ↓ falling

Mandarich Law Group, LLP

D
14 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.