North State Acceptance, LLC
143 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
North State Acceptance, LLC complaint mix by product
- Vehicle loan 42 29.4% – 10% relief
- Debt collection 37 25.9% – 8% relief
- Credit reporting, 26 18.2% – 0% relief
- Credit reporting 21 14.7% – 0% relief
- Consumer Loan 12 8.4% – 17% relief
- Checking or 3 2.1% – 0% relief
- Payday loan, 2 1.4% – 0% relief
How North State Acceptance, LLC's 143 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Vehicle loan or lease | 42 |
| Debt collection | 37 |
| Credit reporting, credit repair services, or other personal consumer reports | 26 |
| Credit reporting or other personal consumer reports | 21 |
| Consumer Loan | 12 |
| Checking or savings account | 3 |
| Payday loan, title loan, personal loan, or advance loan | 2 |
Top States
| State | Complaints |
|---|---|
| NC | 89 |
| VA | 10 |
| SC | 9 |
| TN | 7 |
| CA | 4 |
| PA | 4 |
| FL | 4 |
| GA | 3 |
| MD | 3 |
| NY | 2 |
| TX | 2 |
| WV | 1 |
| IL | 1 |
| MS | 1 |
| NJ | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 29 |
| Improper use of your report | 16 |
| Repossession | 14 |
| Managing the loan or lease | 10 |
| Attempts to collect debt not owed | 10 |
| Took or threatened to take negative or legal action | 9 |
| False statements or representation | 9 |
| Getting a loan or lease | 6 |
| Struggling to pay your loan | 6 |
| Problem with a credit reporting company's investigation into an existing problem | 5 |
| Problem with a company's investigation into an existing problem | 4 |
| Written notification about debt | 4 |
| Managing an account | 3 |
| Problems at the end of the loan or lease | 3 |
| Electronic communications | 3 |
| Taking out the loan or lease | 3 |
| Problems when you are unable to pay | 3 |
| Getting the loan | 1 |
| Vehicle was repossessed or sold the vehicle | 1 |
| Shopping for a loan or lease | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 1 | 100% |
| 2014 | 1 | 0% |
| 2015 | 2 | 100% |
| 2016 | 5 | 100% |
| 2017 | 9 | 88.9% |
| 2018 | 5 | 100% |
| 2019 | 5 | 100% |
| 2020 | 7 | 100% |
| 2021 | 9 | 100% |
| 2022 | 15 | 100% |
| 2023 | 10 | 100% |
| 2024 | 7 | 100% |
| 2025 | 44 | 97.7% |
| 2026 | 23 | 95.7% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About North State Acceptance, LLC
North State Acceptance, LLC's 143 logged complaints stay concentrated: only 15 states show a filing on record. 45.5% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2013 through 2026-06-16.
North State Acceptance, LLC answers 97.2% of complaints inside the CFPB's tracked window and closes 93% with a written explanation. 6.3% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Vehicle loan or lease" draws the most filings, most often for "Incorrect information on your report."
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 State Acceptance, LLC.
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.
Frequently Asked Questions
How many CFPB complaints does North State Acceptance, LLC have?
143, per the CFPB's public complaint count for this company (see the full breakdown above).
Does North State Acceptance, LLC respond to complaints on time?
97.2% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about North State Acceptance, LLC?
"Incorrect information on your report", filed under the "Vehicle loan or lease" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.