Credit bureau · complaint record
Niagara Capital Associates complaints
Filed under Niagara Capital Associates, Inc.
Consumers have filed 10 complaints about Niagara Capital Associates since 2014, 1 of them in the last 12 months. It answered 0% on time and closed 0% with relief for the customer. The most common problem is improper use of your report.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 10
- Last 12 months
- 1
- Answered on time
- 0%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #418 of 566
Since December 2014
new vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Sep 15, 2026
Most complained-about credit bureaus & report companies
Niagara Capital Associates complaints by month
The busiest month was January 2015 (4 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Niagara Capital Associates answered all time
- Closed with explanation440%
- Closed330%
- Untimely response330%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Niagara Capital Associates complaints are about
Top Niagara Capital Associates problems
Inside "Communication tactics"
- Frequent or repeated calls 1
- Threatened to take legal action 1
Where Niagara Capital Associates complaints come from
Most complaints: California (2), Michigan (2), Pennsylvania (1), New Mexico (1), New York (1).
Niagara Capital Associates compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Apple FinancingCredit reporting | 57 | 28 | C |
| 2 | Nav TechnologiesCredit reporting | 55 | 28 | C |
| 3 | Opportunity FundCredit reporting | 51 | 27 | C |
| 4 | Heritage Financial GroupCredit reporting | 0 | 27 | F |
| 5 | Informative ResearchCredit reporting | 60 | 26 | C |
| 6 | Pennsylvania Housing Finance AgencyCredit reporting | 56 | 25 | C |
| 7 | King of Credit FinancialCredit reporting | 10 | 25 | F |
| 8 | Niagara Capital AssociatesCredit reporting | - | 1 | - |
Compare side by side: Niagara Capital Associates vs Apple Financing · Niagara Capital Associates vs Nav Technologies · Niagara Capital Associates vs Opportunity Fund · Niagara Capital Associates vs Heritage Financial Group
What people say about Niagara Capital Associates
All experiencesNo experiences with Niagara Capital Associates yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Niagara Capital Associates complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Sep 15, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
| Mar 16, 2022 | Auto loans & leases | Managing the loan or leaseBilling problem | No timely reply |
| Dec 21, 2015 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Nov 21, 2015 | Debt collection | Cont'd attempts collect debt not owedDebt was paid | No timely reply |
| Oct 8, 2015 | Debt collection | Disclosure verification of debtNot disclosed as an attempt to collect | Explained |
| Jan 30, 2015 | Debt collection | Taking/threatening an illegal actionThreatened arrest/jail if do not pay | Explained |
| Jan 26, 2015 | Debt collection | Improper contact or sharing of infoContacted employer after asked not to | Explained |
| Jan 21, 2015 | Debt collection | Disclosure verification of debtRight to dispute notice not received | Closed |
| Jan 17, 2015 | Debt collection | Communication tacticsThreatened to take legal action | Closed |
| Dec 10, 2014 | Debt collection | Taking/threatening an illegal actionSued w/o proper notification of suit | Closed |
Questions about Niagara Capital Associates
How many complaints does Niagara Capital Associates have?
Niagara Capital Associates has 10 complaints on record since December 2014, including 1 in the last 12 months and 0 in the last 30 days. That makes it number 3,042 of every company by complaints this year.
Does Niagara Capital Associates respond to complaints?
Yes. Niagara Capital Associates answered 0% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Niagara Capital Associates?
The most common problems are improper use of your report (1), communication tactics (2), disclosure verification of debt (2).
Is Niagara Capital Associates legit?
Niagara Capital Associates is a real company with a public complaint record: consumers have complained about it 10 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Niagara Capital Associates legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Niagara Capital Associates?
Complain to Niagara Capital Associates 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 Niagara Capital Associates complaints come from?
Most come from California (2), Michigan (2), Pennsylvania (1). 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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