States › North Carolina › Debt collection
Who in North Carolina is complaining aboutDebt collection?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
North Carolina consumers filed 12,842 complaints under “Debt collection” in the 12 months to 30 Sep 2026, up 36% on the 9,446 of the 12 months before. That is 115 per 100,000 residents, above the national 92.8.
The category makes up 5.2% of the state's complaints, against 4.6% nationally. 19.2% of closed complaints ended with monetary or non-monetary relief (22.7% nationally) and 95% of responses were timely.
Companies with the most Debt collection complaints from North Carolina, with their size
Ordered by complaints from North Carolina consumers in the last 12 months. Size is the company's national figure.
| Company (as named by the CFPB) | Complaints from NC, 12 months | Share | Company size |
|---|---|---|---|
| CL Holdings LLC | 702 | 5.5% | no public measure |
| Resurgent Capital Services L.P. | 661 | 5.1% | no public measure |
| ENCORE CAPITAL GROUP INC. | 571 | 4.4% | no public measure |
| Portfolio Recovery Associates, LLC | 530 | 4.1% | no public measure |
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 427 | 3.3% | no public measure |
| National Credit Systems,Inc. | 408 | 3.2% | no public measure |
| CCS Financial Services, Inc. | 408 | 3.2% | no public measure |
| I.C. System, Inc. | 388 | 3% | no public measure |
| Experian Information Solutions Inc. | 386 | 3% | no public measure |
| EQUIFAX, INC. | 380 | 3% | no public measure |
| Bread Financial Holdings, Inc. | 266 | 2.1% | $21bn assets |
| Bull City Financial Solutions, Inc | 261 | 2% | no public measure |
| Kriya Capital, LLC | 255 | 2% | no public measure |
| CAINE & WEINER COMPANY, INC. | 255 | 2% | no public measure |
| FirstPoint Collection Resources | 194 | 1.5% | no public measure |
| Servicer under contract with Federal Student Aid | 194 | 1.5% | no public measure |
| Radius Global Solutions LLC | 177 | 1.4% | no public measure |
| SYNCHRONY FINANCIAL | 172 | 1.3% | $115bn assets |
| CAPITAL ONE FINANCIAL CORPORATION | 172 | 1.3% | $662bn assets |
| STATE EMPLOYEES’ CREDIT UNION | 158 | 1.2% | no public measure |
| All other companies, including those not listed by name | 5,877 | 45.8% | — |
CFPB: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.” The CFPB does not verify every allegation in a complaint before publishing it. 3 of the 20 companies in this table have a public size measure. “No public measure” means the company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, not that it is small.
Issues
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Attempts to collect debt not owed | 5,334 | 41.5% |
| Took or threatened to take negative or legal action | 3,444 | 26.8% |
| Written notification about debt | 2,139 | 16.7% |
| False statements or representation | 1,358 | 10.6% |
| Communication tactics | 332 | 2.6% |
| Electronic communications | 158 | 1.2% |
| Threatened to contact someone or share information improperly | 77 | 0.6% |
How companies responded
- Closed with explanation9,705 · 75.6%
- Closed with non-monetary relief2,403 · 18.7%
- Untimely response477 · 3.7%
- In progress246 · 1.9%
- All other categories11 · 0.1%
| Measure | North Carolina, this product | United States, this product |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 115 | 92.8 |
| Closed with monetary or non-monetary relief | 19.2% | 22.7% |
| Responses marked timely | 95% | 96.5% |
Trend
Other products in North Carolina
Credit reporting or other personal consumer reports · 224,555Credit card · 2,788Checking or savings account · 2,724Money transfer, virtual currency, or money service · 1,288Mortgage · 1,025Vehicle loan or lease · 905Student loan · 710Payday loan, title loan, personal loan, or advance loan · 606
Questions and answers
How many Debt collection complaints come from North Carolina?
12,842 in the 12 months to 30 Sep 2026, 9,446 in the 12 months before and 40,977 since 2011.
Is that high for the population?
115 per 100,000 residents in North Carolina against 92.8 nationally.
Which issues come up most?
“Attempts to collect debt not owed” (41.5%), “Took or threatened to take negative or legal action” (26.8%), “Written notification about debt” (16.7%), “False statements or representation” (10.6%).
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 30 Sep 2026, complaints received through 30 Sep 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. Search the CFPB database · Methodology · Report an error.