States › North Dakota › Debt collection
Who in North Dakota 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 Dakota consumers filed 412 complaints under “Debt collection” in the 12 months to 1 Oct 2026, up 65% on the 250 of the 12 months before. That is 51.5 per 100,000 residents, below the national 92.8.
The category makes up 10.1% of the state's complaints, against 4.6% nationally. 12.2% of closed complaints ended with monetary or non-monetary relief (22.7% nationally) and 88.1% of responses were timely.
Companies with the most Debt collection complaints from North Dakota, with their size
Ordered by complaints from North Dakota consumers in the last 12 months. Size is the company's national figure.
| Company (as named by the CFPB) | Complaints from ND, 12 months | Share | Company size |
|---|---|---|---|
| CL Holdings LLC | 27 | 6.6% | no public measure |
| ENCORE CAPITAL GROUP INC. | 26 | 6.3% | no public measure |
| Servicer under contract with Federal Student Aid | 26 | 6.3% | no public measure |
| Portfolio Recovery Associates, LLC | 21 | 5.1% | no public measure |
| Resurgent Capital Services L.P. | 18 | 4.4% | no public measure |
| United Accounts, Inc. | 18 | 4.4% | no public measure |
| CCS Financial Services, Inc. | 13 | 3.2% | no public measure |
| Experian Information Solutions Inc. | 12 | 2.9% | no public measure |
| Kikoff Inc. | 11 | 2.7% | no public measure |
| Bread Financial Holdings, Inc. | 11 | 2.7% | $21bn assets |
| WELLS FARGO & COMPANY | 10 | 2.4% | $1.92tn assets |
| CAPITAL ONE FINANCIAL CORPORATION | 8 | 1.9% | $662bn assets |
| Self Financial Inc. | 8 | 1.9% | no public measure |
| Affirm Holdings, Inc | 6 | 1.5% | no public measure |
| I.C. System, Inc. | 6 | 1.5% | no public measure |
| EQUIFAX, INC. | 5 | 1.2% | no public measure |
| CREDIT ACCEPTANCE CORPORATION | 5 | 1.2% | no public measure |
| Kriya Capital, LLC | 5 | 1.2% | no public measure |
| CITIBANK, N.A. | 5 | 1.2% | $1.98tn assets |
| ALLY FINANCIAL INC. | 5 | 1.2% | $188bn assets |
| All other companies, including those not listed by name | 166 | 40.3% | — |
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. 5 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 |
|---|---|---|
| Took or threatened to take negative or legal action | 249 | 60.4% |
| Attempts to collect debt not owed | 69 | 16.7% |
| Written notification about debt | 41 | 10% |
| False statements or representation | 25 | 6.1% |
| Communication tactics | 16 | 3.9% |
| Electronic communications | 12 | 2.9% |
How companies responded
- Closed with explanation328 · 79.6%
- Closed with non-monetary relief50 · 12.1%
- Untimely response32 · 7.8%
- In progress2 · 0.5%
| Measure | North Dakota, this product | United States, this product |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 51.5 | 92.8 |
| Closed with monetary or non-monetary relief | 12.2% | 22.7% |
| Responses marked timely | 88.1% | 96.5% |
Trend
Other products in North Dakota
Credit reporting or other personal consumer reports · 3,379Credit card · 73Checking or savings account · 72
Questions and answers
How many Debt collection complaints come from North Dakota?
412 in the 12 months to 1 Oct 2026, 250 in the 12 months before and 1,353 since 2011.
Is that high for the population?
51.5 per 100,000 residents in North Dakota against 92.8 nationally.
Which issues come up most?
“Took or threatened to take negative or legal action” (60.4%), “Attempts to collect debt not owed” (16.7%), “Written notification about debt” (10%), “False statements or representation” (6.1%).
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 1 Oct 2026, complaints received through 1 Oct 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.