CFPB · Diversified product mix
North State Acceptance, LLC
143 CFPB complaints · diversified mix (top product 29.4%) · top issue Incorrect information on your report.
North State Acceptance, LLC: top product "Vehicle loan or lease" is only 29.4% of 143 - multi-bucket mix. Timely 97.2% · relief 6.3%. Allegations, not findings.
- Diversified product mix
- +2200% filings 2013 to 2026
CFPB relief outcome brief
CCDB company north-state-acceptance-llc
6.3% relief · 97.2% timely · 143 filings · Vehicle loan or lease
Same-product relief peers
Nearest relief peer: Credit Acceptance Corporation (6.2% relief)
North State Acceptance, LLC closes 6.3% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
North State Acceptance, LLC scores strongest on timely response (95/100 percentile-benchmarked) and weakest on relief provided (29/100), 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
29 / 100 percentile-benchmarked
6.3% of complaints closed with relief to the consumer
Timely response
95 / 100 percentile-benchmarked
97.2% of complaints answered inside the CFPB 15-day window
Closed with explanation
87 / 100 percentile-benchmarked
93% of complaints closed with an explanation to the consumer
Most of North State Acceptance, LLC's 143 filings include narrative text
45.5% 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 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 |
Concentrated filing states for North State Acceptance, LLC
Top states by attributed CFPB complaint volume for this company
- Leading state
- NC
- 62.2% of this company's filings
North State Acceptance, LLC rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 23
- +2200% vs 2013
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
North State Acceptance, LLC spreads across product buckets
North State Acceptance, LLC's 143 logged complaints stay concentrated: only 15 states show a filing. 45.5% of filings carry a written consumer narrative, 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.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for North State Acceptance, LLC: 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: 143.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 97.2%.
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 State Acceptance, LLC (97.2% timely; 6.3% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix