Debt collector · complaint record
N.A.R complaints
Filed under N.A.R., Inc.
Consumers have filed 365 complaints about N.A.R since 2013, 51 of them in the last 12 months (-4% on the year before). It answered 78.4% on time and closed 0% with relief for the customer - less often than a typical debt collector. The most common problem is took or threatened to take negative or legal action.
Poor response record. How it works
- Complaints on record
- 365
- Last 12 months
- 51
- Answered on time
- 78.4%
- Closed with relief
- 0%
- Last 30 days
- 2
- Rank
- #316 of 1,963
Since November 2013
-4% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 28, 2026
Most complained-about debt collectors
N.A.R complaints by month
The busiest month was December 2021 (9 complaints). Complaints in the last 12 months are about level, 0% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How N.A.R answered last 12 months
- Closed with explanation4894.1%
- In progress23.9%
- Untimely response12%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time0/4578.4% on time
- Relief for customers0/400% closed with relief
- Complaint trend11/15-4% vs last year
What N.A.R complaints are about
Top N.A.R problems last 12 months
Inside "Took or threatened to take negative or legal action"
- Threatened or suggested your credit would be damaged 29
- Sued you without properly notifying you of lawsuit 6
- Threatened to sue you for very old debt 4
- Seized or attempted to seize your property 2
- Collected or attempted to collect exempt funds 1
- Threatened to arrest you or take you to jail if you do not pay 1
Where N.A.R complaints come from
Most complaints: Utah (102), Texas (41), Colorado (37), Florida (21), Arizona (20).
N.A.R compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Collectech DiversifiedDebt collection | 60 | 52 | C |
| 2 | Financial Accounts Service TeamDebt collection | 3 | 52 | F |
| 3 | Advanced Collection BureauDebt collection | 53 | 52 | C |
| 4 | Receivable Management GroupDebt collection | 44 | 51 | D |
| 5 | Phillips & Cohen AssociatesDebt collection | 60 | 51 | C |
| 6 | N.A.RDebt collection | 11 | 51 | F |
| 7 | Retail Merchants AssociatesDebt collection | 46 | 50 | D |
| 8 | Velo Law OfficeDebt collection | 37 | 50 | D |
Compare side by side: N.A.R vs Collectech Diversified · N.A.R vs Financial Accounts Service Team · N.A.R vs Advanced Collection Bureau · N.A.R vs Receivable Management Group
What people say about N.A.R
All experiencesNo experiences with N.A.R yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest N.A.R complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 17, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | In progress |
| Oct 13, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Sep 30, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 21, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Sep 2, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Aug 17, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 11, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 10, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | In progress |
| Aug 10, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Aug 8, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | No timely reply |
| Aug 5, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
Questions about N.A.R
How many complaints does N.A.R have?
N.A.R has 365 complaints on record since November 2013, including 51 in the last 12 months and 2 in the last 30 days. That makes it number 667 of every company by complaints this year.
Does N.A.R respond to complaints?
Yes. N.A.R answered 78.4% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 11/100 (grade F).
What do people complain about most with N.A.R?
The most common problems are took or threatened to take negative or legal action (43), attempts to collect debt not owed (82), false statements or representation (53).
Is N.A.R legit?
N.A.R is a real company with a public complaint record: consumers have complained about it 365 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is N.A.R legit? for the signals, red flags and how to protect yourself.
Are complaints about N.A.R going up or down?
Roughly level. There were 51 complaints in the last 12 months against 53 in the 12 before (-4%). See every month.
How do I file a complaint against N.A.R?
Complain to N.A.R in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most N.A.R complaints come from?
Most come from Utah (102), Texas (41), Colorado (37). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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