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 8

Sorted by most complaints

Ad Astra Recovery Services Inc

D
10 total complaints ↓ falling

Carrington Mortgage Services, LLC

C
10 total complaints ↓ falling

First Citizens Bancshares, Inc.

B
10 total complaints → stable

Grant & Weber

D
10 total complaints ↓ falling

MNE Services, Inc

D
10 total complaints ↓ falling

Omega RMS, LLC

D
10 total complaints ↑ rising

R.M. Galicia, Inc.

D
10 total complaints ↓ falling

Ray Klein, Inc.

D
10 total complaints ↓ falling

Suntrust Banks, Inc.

D
10 total complaints ↓ falling

Scott Fetzer Financial Group Inc.

C
10 total complaints ↑ rising

St.John Cobb Inc

B
10 total complaints ↓ falling

Valor Intelligent Processing, LLC

F
10 total complaints ↑ rising

AR Resources, Inc.

D
9 total complaints ↓ falling

ATG Credit, LLC

D
9 total complaints ↓ falling

American Profit Recovery, Inc., Marlborough, MA Branch

C
9 total complaints → stable

Aqua Finance, Inc.

D
9 total complaints ↑ rising

C/C Financial

D
9 total complaints → stable

CBC Companies, Inc.

D
9 total complaints ↑ rising

DriveTime

C
9 total complaints → stable

Duvera Billing Services, LLC

D
9 total complaints ↓ falling

EGL US, LLC

F
9 total complaints ↑ rising

First National Bank of Omaha

D
9 total complaints → stable

GB Collects, LLC

F
9 total complaints → stable

Genesys National Recovery, Inc.

F
9 total complaints ↑ rising

J. Ritter Law P.C.

C
9 total complaints ↓ falling

Lexisnexis

F
9 total complaints → stable

Merchants and Medical Credit Corporation, Inc.

D
9 total complaints ↓ falling

Mr. Cooper Group Inc.

F
9 total complaints ↓ falling

National Collection Systems, Inc.

D
9 total complaints → stable

Paramount Recovery Systems, L.P.

D
9 total complaints ↓ falling

Prosper Marketplace, Inc.

C
9 total complaints → stable

Torriere Holdings INC

C
9 total complaints ↑ rising

First Technology Federal Credit Union

D
9 total complaints ↑ rising

Allied International Credit Corp., (US)

C
8 total complaints ↓ falling

American Credit Bureau, Inc.

C
8 total complaints ↓ falling

Automated Collection Services, Inc.

D
8 total complaints ↓ falling

Carolina Finance, LLC

B
8 total complaints → stable

CMRE Financial Services, Inc.

D
8 total complaints ↓ falling

CashRepublic Holdings, Inc.

D
8 total complaints ↑ rising

Chime Financial Inc

D
8 total complaints ↑ rising

Community Health Investment Company, LLC.

D
8 total complaints ↓ falling

Consumer Adjustment Company Incorporated

D
8 total complaints → stable

Credit Financial Services, lnc

B
8 total complaints ↓ falling

Dominion Law Associates, P.L.L.C.

C
8 total complaints ↓ falling

FMS Inc.

C
8 total complaints ↓ falling

Harvard Collections, LLC

D
8 total complaints ↓ falling

Merchants Acceptance Corp

B
8 total complaints ↑ rising

Merchants Adjustment Service, Inc.

D
8 total complaints → stable

Mountain Run Solutions, LLC

F
8 total complaints ↓ falling

NPAS, Inc.

D
8 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.