CFPB · Single-product concentration
North American Credit Services
230 CFPB complaints · 94.8% in "Debt collection" · top issue Attempts to collect debt not owed.
North American Credit Services: 94.8% of 230 CFPB complaints sit in "Debt collection". Timely 98.7% · relief 0%. Allegations, not findings.
- Single-product concentration
- +433.3% filings 2013 to 2026
CFPB relief outcome brief
CCDB company north-american-credit-services
0% relief · 98.7% timely · 230 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
North American Credit Services closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
North American Credit Services scores strongest on closed with explanation (99/100 percentile-benchmarked) and weakest on relief provided (0/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
0 / 100 percentile-benchmarked
0% of complaints closed with relief to the consumer
Timely response
98 / 100 percentile-benchmarked
98.7% of complaints answered inside the CFPB 15-day window
Closed with explanation
99 / 100 percentile-benchmarked
99.6% of complaints closed with an explanation to the consumer
Most of North American Credit Services's 230 filings include narrative text
44.3% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
North American Credit Services complaint mix by product
- Debt collection 218 94.8% – 0% relief
- Credit reporting, 7 3.0% – 0% relief
- Credit reporting 3 1.3% – 0% relief
- Credit reporting 1 0.4% – 0% relief
- Vehicle loan 1 0.4% – 0% relief
How North American Credit Services's 230 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 218 |
| Credit reporting, credit repair services, or other personal consumer reports | 7 |
| Credit reporting or other personal consumer reports | 3 |
| Credit reporting | 1 |
| Vehicle loan or lease | 1 |
Concentrated filing states for North American Credit Services
Top states by attributed CFPB complaint volume for this company
- Leading state
- FL
- 44.3% of this company's filings
North American Credit Services rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 16
- +433.3% vs 2013
Top States
| State | Complaints |
|---|---|
| FL | 102 |
| GA | 33 |
| TX | 19 |
| MD | 12 |
| NC | 10 |
| OH | 8 |
| TN | 7 |
| KS | 6 |
| MS | 6 |
| IL | 4 |
| CO | 3 |
| MI | 2 |
| NJ | 2 |
| NY | 2 |
| AL | 2 |
| AK | 2 |
| UT | 1 |
| ME | 1 |
| WA | 1 |
| IN | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 64 |
| Cont'd attempts collect debt not owed | 40 |
| Disclosure verification of debt | 29 |
| Communication tactics | 25 |
| Written notification about debt | 25 |
| False statements or representation | 19 |
| Incorrect information on your report | 7 |
| Took or threatened to take negative or legal action | 6 |
| Improper contact or sharing of info | 5 |
| Threatened to contact someone or share information improperly | 3 |
| Electronic communications | 2 |
| Improper use of your report | 1 |
| Problem with a company's investigation into an existing problem | 1 |
| Credit monitoring or identity theft protection services | 1 |
| Incorrect information on credit report | 1 |
| Getting a loan or lease | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 3 | 100% |
| 2014 | 13 | 100% |
| 2015 | 24 | 100% |
| 2016 | 26 | 100% |
| 2017 | 58 | 100% |
| 2018 | 3 | 100% |
| 2019 | 7 | 100% |
| 2020 | 3 | 100% |
| 2021 | 14 | 100% |
| 2022 | 4 | 100% |
| 2023 | 10 | 100% |
| 2024 | 25 | 100% |
| 2025 | 24 | 87.5% |
| 2026 | 16 | 100% |
Source: CFPB Consumer Complaint Database
North American Credit Services filings cluster in one product
North American Credit Services's 230 logged complaints stay concentrated: only 25 states show a filing. 44.3% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2026-06-23.
North American Credit Services answers 98.7% of complaints inside the CFPB's tracked window and closes 99.6% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Attempts to collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about North American Credit Services.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for North American Credit Services: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 230.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 98.7%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for North American Credit Services (98.7% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration