Debt collector · complaint record
North American Credit Services complaints
Consumers have filed 243 complaints about North American Credit Services since 2013, 32 of them in the last 12 months (+28% on the year before). It answered 100% on time and closed 0% with relief for the customer - less often than a typical debt collector. The most common problem is communication tactics.
Average response record. How it works
- Complaints on record
- 243
- Last 12 months
- 32
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #409 of 1,963
Since September 2013
+28% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 13, 2026
Most complained-about debt collectors
North American Credit Services complaints by month
The busiest month was March 2017 (11 complaints). Complaints in the last 12 months are up 28% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How North American Credit Services answered last 12 months
- Closed with explanation32100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers0/400% closed with relief
- Complaint trend7/15+28% vs last year
What North American Credit Services complaints are about
Top North American Credit Services problems
Inside "Attempts to collect debt not owed"
- Debt is not yours 40
- Debt was paid 24
- Debt was already discharged in bankruptcy and is no longer owed 1
- Debt was result of identity theft 1
Where North American Credit Services complaints come from
Most complaints: Florida (110), Georgia (33), Texas (19), Maryland (12), North Carolina (11).
North American Credit Services compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Out TechDebt collection | 50 | 33 | C |
| 2 | The Moore Law GroupDebt collection | 60 | 33 | C |
| 3 | MiraMed Revenue GroupDebt collection | 52 | 32 | C |
| 4 | HovgDebt collection | 60 | 32 | C |
| 5 | Elevate RecoveriesDebt collection | 46 | 32 | D |
| 6 | Professional CollectorsDebt collection | 59 | 32 | C |
| 7 | UscbDebt collection | 59 | 32 | C |
| 8 | North American Credit ServicesDebt collection | 52 | 32 | C |
Compare side by side: North American Credit Services vs Out Tech · North American Credit Services vs The Moore Law Group · North American Credit Services vs MiraMed Revenue Group · North American Credit Services vs Hovg
What people say about North American Credit Services
All experiencesNo experiences with North American Credit Services yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest North American Credit Services complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 13, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Oct 8, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 15, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 14, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 10, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Aug 23, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Aug 19, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Aug 12, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Aug 5, 2026 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Jul 14, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Jul 14, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Jun 30, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
Questions about North American Credit Services
How many complaints does North American Credit Services have?
North American Credit Services has 243 complaints on record since September 2013, including 32 in the last 12 months and 0 in the last 30 days. That makes it number 859 of every company by complaints this year.
Does North American Credit Services respond to complaints?
Yes. North American Credit Services answered 100% 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 52/100 (grade C).
What do people complain about most with North American Credit Services?
The most common problems are communication tactics (29), attempts to collect debt not owed (66), written notification about debt (29).
Is North American Credit Services legit?
North American Credit Services is a real company with a public complaint record: consumers have complained about it 243 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is North American Credit Services legit? for the signals, red flags and how to protect yourself.
Are complaints about North American Credit Services going up or down?
Up. There were 32 complaints in the last 12 months against 25 in the 12 before (+28%). See every month.
How do I file a complaint against North American Credit Services?
Complain to North American Credit Services 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 North American Credit Services complaints come from?
Most come from Florida (110), Georgia (33), Texas (19). 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
Talk about North American Credit Services
No comments yet. Start the conversation - questions are welcome too.