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 9

Sorted by most complaints

National Healthcare Collections, LLC

D
8 total complaints ↑ rising

North American Credit Services

D
8 total complaints ↓ falling

Real Time Group, Inc.

D
8 total complaints ↓ falling

Sentry Credit, Inc.

D
8 total complaints ↓ falling

State Collection Service, Inc.

D
8 total complaints ↓ falling

Turning Point Solutions LLC

C
8 total complaints ↓ falling

United Consumers Inc

C
8 total complaints ↓ falling

VW Credit

C
8 total complaints ↑ rising

Account Control Technology, Inc.

C
7 total complaints ↓ falling

Adler Wallach & Associates, Inc.

D
7 total complaints ↓ falling

Allied Collection Services, Inc. (Nevada)

D
7 total complaints ↓ falling

Alpha Recovery Corp

D
7 total complaints ↓ falling

Asset Management Outsourcing, Inc.

D
7 total complaints ↓ falling

Atlantic Credit & Finance, Inc.

C
7 total complaints ↓ falling

Automotive Management Services, Inc.

B
7 total complaints ↓ falling

Belmont Finance LLC

C
7 total complaints → stable

BMW Financial Services NA, LLC

D
7 total complaints ↑ rising

Bepensa Capital, Inc.

C
7 total complaints → stable

CCF Intermediate Holdings LLC

F
7 total complaints ↑ rising

CNG Holdings Inc

C
7 total complaints ↓ falling

CURO Intermediate Holdings

D
7 total complaints ↓ falling

Cascade Capital, LLC

D
7 total complaints → stable

Chaplin & Papa, P.C.

C
7 total complaints → stable

Collins Asset Group, LLC

F
7 total complaints ↓ falling

Credit Card Acquisitions Group

F
7 total complaints ↑ rising

Credit Solutions, LLC (KY)

C
7 total complaints ↓ falling

D&A Services, LLC

D
7 total complaints ↓ falling

Delta Management Associates, Inc.

D
7 total complaints ↓ falling

Elevate Recoveries, LLC

F
7 total complaints ↓ falling

Financial Assistance Inc

C
7 total complaints → stable

Global Solution BIZ LLC.

F
7 total complaints → stable

Global Credit & Collection Corporation

D
7 total complaints ↓ falling

Ideal Collection Services, Inc.

D
7 total complaints → stable

Oliphant Financial, LLC

D
7 total complaints ↓ falling

Pendrick Capital Partners

F
7 total complaints ↓ falling

Pendrick Capital Partners Holding, LLC

C
7 total complaints ↓ falling

Perpay, Inc.

D
7 total complaints ↑ rising

Rfna, LP

C
7 total complaints ↑ rising

Rocket Mortgage, LLC

C
7 total complaints ↑ rising

Thaxton Investment Corporation

D
7 total complaints ↑ rising

Total Card, Inc.

D
7 total complaints ↓ falling

U.S. Auto Credit Corporation

D
7 total complaints ↑ rising

1st Results Billings & Collections, Inc.

B
6 total complaints ↓ falling

A & O Recovery Solutions, LLC

F
6 total complaints ↑ rising

Alchro Inc.

F
6 total complaints → stable

Access Receivables of NC Inc.

C
6 total complaints ↓ falling

Auto Trakk, LLC

D
6 total complaints ↓ falling

Axela Technologies, Inc

D
6 total complaints ↑ rising

BC Services, Inc.

F
6 total complaints ↓ falling

Boeing Employees' Credit Union

D
6 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.