State complaint profile
Debt collection complaints in North Dakota
1,316 CFPB complaints filed against 305 debt collectors active in North Dakota.
- Complaints
- 1,316
- Collectors
- 305
- Top collector
- Encore Capital Group Inc.
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
North Dakota at a glance
North Dakota consumers have filed 1,316 CFPB debt-collection complaints against 305 collectors.
- 1,316
- CFPB complaints filed
- 305
- collectors active here
- #1
- most-complained: Encore Capital Group 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 Dakota
North Dakota filings are dispersed: the top three collectors hold only 13.3% of 1,316 complaints.
Absolute counts are small, so a single regional collector or a thin national-buyer footprint can swing the ranking. Compare the volume peers below before treating any one name as a statewide pattern.
The collector with the most complaints from North Dakota residents in this extract is Encore Capital Group Inc. (13.3% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.
Most-complained-about collectors in North Dakota
By complaints filed from this state
- Encore Capital Group Inc.
Encore Capital Group Inc.
61 complaints
- Resurgent Capital Services L.P.
Resurgent Capital Services L.P.
59 complaints
- Portfolio Recovery Associates, LLC
Portfolio Recovery Associates, LLC
55 complaints
- CL Holdings LLC
CL Holdings LLC
51 complaints
- United Accounts, Inc.
United Accounts, Inc.
51 complaints
- Experian Information Solutions Inc.
Experian Information Solutions Inc.
36 complaints
- DCI Credit Services, Inc.
DCI Credit Services, Inc.
33 complaints
- Messerli & Kramer P.A.
Messerli & Kramer P.A.
29 complaints
What this shows These eight collectors draw the most complaints from North Dakota residents, usually national bureaus and large debt buyers operating in every state.
Where North Dakota's 1,316 complaints concentrate
Top-three collectors vs the rest of this state's filings
- Encore Capital Group I 61
Encore Capital Group Inc.
61 complaints
- Resurgent Capital Serv 59
Resurgent Capital Services L.P.
59 complaints
- Portfolio Recovery Ass 55
Portfolio Recovery Associates, LLC
55 complaints
- All other collectors
Remaining collectors in North Dakota
1,141 complaints
What this shows The top three names account for 13.3% of North Dakota filings in this extract, a state-specific concentration cut, not a national grade curve.
Active Debt Collectors
Sorted by most complaintsEncore Capital Group Inc.
DResurgent Capital Services L.P.
DPortfolio Recovery Associates, LLC
DCL Holdings LLC
CUnited Accounts, Inc.
FExperian Information Solutions Inc.
DDCI Credit Services, Inc.
FMesserli & Kramer P.A.
DServicer under contract with Federal Student Aid
FEquifax, Inc.
DTransunion Intermediate Holdings, Inc.
DRodenburg LLP
DAAA Collections
DBread Financial Holdings, Inc.
CCCS Financial Services, Inc.
FCapital ONE Financial Corporation
DI.C. System, Inc.
CIngenuity RM, LLC
DCitibank, N.a.
DSynchrony Financial
DWells Fargo & Company
DProcollect Services LLC
CHW Holding, Inc
DTransworld Systems Inc
DAR Audit Services, Inc
CCredico. Inc
DCollection Center Inc
DKikoff Inc.
FCredit Acceptance Corporation
DDiscover Bank
DSelf Financial Inc.
FT.S. Holdings
FAlly Financial Inc.
DAffirm Holdings, Inc
FCentral Portfolio Control Inc.
DCaine & Weiner Company, Inc.
DCredit Bureau of Bismarck, Inc.
BJpmorgan Chase & Co.
DKriya Capital, LLC
DNational Credit Adjusters, LLC
DNational Credit Systems,Inc.
DNavient Solutions, LLC.
DNelnet, Inc.
DOneMain Finance Corporation
FRowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
FProperty Receivables, Corp
FRadius Global Solutions LLC
DState Collection Service, Inc.
DAmerican Express Company
DAmerican Coradius International LLC
DIf a collector is contacting you in North Dakota
Thin filing books still share the national grade curve - verify before treating a local name as unique.
- Thin state books still share the national grade curve - check the collector's nationwide record, not just this North Dakota slice. Browse rankings
- Demand written debt validation within 30 days of first contact. Validation letter
- With few local filings, peer-state profiles are the fastest context check before escalating. All states
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 Dakota
- Encore Capital Group Inc. Leads North Dakota complaint volume in this extract
- Montana complaint profile Nearest volume peer (1,286 complaints)
- Puerto Rico complaint profile Nearest volume peer (1,454 complaints)
- States by complaint volume North Dakota is thin on absolute volume - compare denser peers before ranking
- How reputation grades work Small counts still sit on the same national grade curve
- Compare collectors side-by-side Check response rates for the agencies contacting North Dakota residents
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 Dakota Resident
With only 1,316 North Dakota filings in this extract, start at the CFPB complaint form for a public record, then confirm whether the North Dakota AG or banking regulator offers a state-specific intake - thin books still use the same three-channel pattern. Open the CFPB complaint form.
| Publisher | PlainCollector |
| Sources | the CFPB Consumer Complaint Database |