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 1.1% 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. (1.1% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 2

Sorted by most complaints

CNG Financial Corporation

D
5 total complaints → stable

ERC

D
5 total complaints ↓ falling

First National Bank of Omaha

D
5 total complaints → stable

NCB Management Services Inc.

D
5 total complaints ↑ rising

Opportunity Financial, LLC

C
5 total complaints ↑ rising

Rausch Sturm LLP

F
5 total complaints ↑ rising

Santander Holdings USA, Inc.

F
5 total complaints ↑ rising

AmeriCollect

D
4 total complaints ↓ falling

Bank of America, National Association

D
4 total complaints → stable

Convergent Resources, Inc.

D
4 total complaints ↓ falling

Diversified Consultants, Inc.

D
4 total complaints ↓ falling

EdFinancial Services

C
4 total complaints ↑ rising

Fair Collections & Outsourcing, Inc.

D
4 total complaints ↑ rising

Goldman Sachs Bank USA

F
4 total complaints ↑ rising

Hospital Services, Inc.

B
4 total complaints ↓ falling

ProCollect, Inc.

F
4 total complaints ↑ rising

Red River Collections Inc.

A
4 total complaints ↓ falling

TD Bank US Holding Company

D
4 total complaints ↑ rising

Alorica Inc.

D
3 total complaints ↓ falling

Amsher Collection Services, Inc.

D
3 total complaints ↓ falling

Cavalry Investments, LLC

D
3 total complaints → stable

Credit Control, LLC

F
3 total complaints ↑ rising

Credit Corp Solutions Inc.

D
3 total complaints ↑ rising

Ecmc Group, Inc.

D
3 total complaints ↓ falling

Ford Motor Credit Co.

D
3 total complaints → stable

HCFS Healthcare Financial Services of TeamHealth

F
3 total complaints ↓ falling

HSBC North America Holdings Inc.

D
3 total complaints ↓ falling

Harris & Harris, Ltd.

D
3 total complaints ↑ rising

Mohela

F
3 total complaints ↑ rising

Preferred Credit Inc

C
3 total complaints ↑ rising

Phoenix Financial Services LLC

D
3 total complaints ↓ falling

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

D
3 total complaints ↓ falling

Rausch, Sturm, Israel, Enerson & Hornik, LLP

D
3 total complaints ↓ falling

Reliant Capital Solutions, LLC

D
3 total complaints ↑ rising

RentDebt Automated Collections, LLC

D
3 total complaints ↑ rising

Sequium Asset Solutions, LLC

F
3 total complaints ↑ rising

Southwest Credit Systems, L.P.

D
3 total complaints → stable

Spring Oaks Capital, LLC

F
3 total complaints ↑ rising

U.s. Bancorp

D
3 total complaints ↓ falling

United Services Automobile Association

D
3 total complaints → stable

Upstart Holdings, Inc.

F
3 total complaints ↑ rising

Afni Inc.

D
2 total complaints ↓ falling

Absolute Resolutions Corp.

C
2 total complaints ↑ rising

Atlanticus Services Corporation

D
2 total complaints ↑ rising

BTH Management

D
2 total complaints ↑ rising

CCF Intermediate Holdings LLC

F
2 total complaints ↑ rising

Citizens Financial Group, Inc.

C
2 total complaints → stable

Cedars Business Services, LLC

D
2 total complaints ↑ rising

Colony Brands, Inc.

F
2 total complaints → stable

Credit Systems International, Inc.

D
2 total complaints ↑ rising

If 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

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 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.