Debt collection
NBT Bancorp debt collection complaints
Consumers have filed 19 complaints about NBT Bancorp's debt collection, 6 in the last 12 months. NBT Bancorp answered 100% on time and closed 0% with relief. See the whole NBT Bancorp record.
NBT Bancorp against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | NBT Bancorp | 6 | 100% | 0% |
Latest NBT Bancorp debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 13, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jul 29, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jul 18, 2026 | Debt collection | False statements or representationIndicated you were committing crime by not paying debt | Explained |
| Jul 11, 2026 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Apr 24, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Apr 15, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to arrest you or take you to jail if you do not pay | Explained |
| Aug 15, 2025 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | Explained |
| Jul 27, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 24, 2024 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | Money back |
| Mar 6, 2024 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Apr 2, 2023 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 16, 2022 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Apr 8, 2022 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Feb 24, 2022 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Feb 7, 2022 | Debt collection | Attempts to collect debt not owedDebt is not yours | Money back |
| Dec 3, 2021 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 30, 2021 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Fixed |
| Aug 1, 2021 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jul 30, 2021 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
General information, not legal advice; rules vary by state. Plain-English guides
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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