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Data / Consumer complaints / North American Credit Services

North American Credit Services: 83 CFPB consumer complaints in the last 3 years

North American Credit Services drew 83 consumer complaints in the CFPB database in the three years to November 6, 2026, and 243 since 2013. The largest group, 80, was about debt collection, and the most common issue was “Attempts to collect debt not owed” with 31. The company responded on time to 96.4% of the complaints, and 0.0% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

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  • 83Complaints, last 3 years
  • 243Complaints, all years
  • 96.4%Responded on time
  • 0.0%Closed with relief
  • 2Products
  • Oct 13, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 629
202524
202425
202310
20224
202114
20203
20197
20183
201758
201626
201524
201413
20133

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Debt collection8096.4%
Credit reporting or other personal consumer reports33.6%

Issues

IssueComplaintsShare
Attempts to collect debt not owed3137.3%
Communication tactics1720.5%
Written notification about debt1315.7%
False statements or representation1214.5%
Electronic communications33.6%
Took or threatened to take negative or legal action33.6%
Credit monitoring or identity theft protection services11.2%
Improper use of your report11.2%
Problem with a company's investigation into an existing problem11.2%
Threatened to contact someone or share information improperly11.2%

How the company responded

Company responseComplaintsShare
Closed with explanation83100%

States

StateComplaintsShare
Florida3744.6%
Georgia1012%
Kansas78.4%
Illinois56%
Maryland44.8%
Tennessee44.8%
Colorado33.6%
Mississippi33.6%
North Carolina33.6%
Texas22.4%
Maine11.2%
Michigan11.2%
New Jersey11.2%
Utah11.2%
Washington11.2%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 13, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 8, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
September 15, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 14, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
September 10, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
August 23, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
August 19, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
August 12, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
August 5, 2026Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
July 14, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
July 14, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
June 30, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
June 29, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 23, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 29, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
May 28, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
May 23, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
May 1, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
April 29, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
April 22, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
March 25, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
March 24, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
March 5, 2026Credit reporting or other personal consumer reportsCredit monitoring or identity theft protection servicesClosed with explanationconsumerfinance.gov
February 25, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
February 23, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
February 3, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
January 29, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
January 12, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
January 5, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
December 16, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
December 9, 2025Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
November 24, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 10, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 11, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 27, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 19, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 10, 2025Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
July 25, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 25, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 9, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
July 8, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
July 7, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
May 3, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 3, 2025Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
March 30, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
February 18, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
February 12, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
February 7, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
February 3, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
January 26, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.