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 7

Sorted by most complaints

Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates

F
14 total complaints ↑ rising

Monarch Recovery Holdings, Inc.

D
14 total complaints → stable

Oliphant United, Inc.

F
14 total complaints ↑ rising

Performant Financial Corporation

D
14 total complaints ↓ falling

Populus Financial Group, Inc. (F/K/A Ace Cash Express)

D
14 total complaints ↓ falling

Property Receivables, Corp

F
14 total complaints ↑ rising

RS Clark and Associates, Inc.

F
14 total complaints → stable

Alliant Capital Management LLC

D
13 total complaints → stable

American First Finance, Inc.

F
13 total complaints → stable

Byrider Franchising, LLC

D
13 total complaints → stable

Collection Bureau of America Ltd.

F
13 total complaints ↓ falling

Concord Servicing Corporation

C
13 total complaints ↑ rising

Credit Systems International, Inc.

D
13 total complaints ↑ rising

Escallate, LLC

D
13 total complaints ↓ falling

Financial Credit Service, Inc.

D
13 total complaints ↓ falling

First National Collection Bureau, Inc.

D
13 total complaints ↓ falling

Harley Davidson Financial Services Inc

C
13 total complaints ↑ rising

Home Credit Corp. Inc.

C
13 total complaints ↑ rising

Nationstar Mortgage LLC

D
13 total complaints ↓ falling

Nationwide Capital Services, LLC

F
13 total complaints ↑ rising

Paramount GR Holdings, LLC

F
13 total complaints ↑ rising

Receivables Management Corporation

D
13 total complaints ↓ falling

Shepherd Outsourcing, LLC

F
13 total complaints ↑ rising

Simon's Agency, Inc.

F
13 total complaints ↓ falling

Vericheck

F
13 total complaints ↑ rising

ARS National Services, Inc.

C
12 total complaints ↓ falling

Cashcall, Inc.

D
12 total complaints ↓ falling

Collection Bureau of Fort Walton Beach, Inc

D
12 total complaints ↓ falling

Financial Recovery Services, Inc.

D
12 total complaints ↓ falling

LTD Financial Services, L.P.

D
12 total complaints ↓ falling

Regions Financial Corporation

D
12 total complaints ↑ rising

RMB, Inc.

C
12 total complaints ↓ falling

Sherloq Group, Inc

C
12 total complaints ↓ falling

Strategic Alliances, Inc.

D
12 total complaints ↓ falling

AR Resources, Inc. (FL)

C
11 total complaints ↓ falling

Collection Bureau of the Hudson Valley, Inc.

D
11 total complaints ↓ falling

Data and Contact Management Solutions, LLC

C
11 total complaints ↓ falling

Duncan Solutions, lnc.

D
11 total complaints ↓ falling

Key 2 Recovery, Inc.

D
11 total complaints → stable

Law Office of Brett M. Borland, P.C.

F
11 total complaints ↑ rising

Lending Club Corp

D
11 total complaints ↓ falling

Pinnacle Recovery, Inc.

D
11 total complaints ↓ falling

Perfection Collection

D
11 total complaints ↓ falling

Receivable Solutions, Inc.

D
11 total complaints ↓ falling

SinglePoint GI

F
11 total complaints ↑ rising

Starmark Financial LLC

F
11 total complaints ↑ rising

Summit A*R, Inc.

D
11 total complaints ↑ rising

Unifour Financial Services, LLC

A
11 total complaints ↑ rising

Viking Client Services

C
11 total complaints → stable

Yamaha Motor Finance Corporation USA

D
11 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.