Debt collector · complaint record
North State Acceptance complaints
Filed under North State Acceptance, LLC
Consumers have filed 154 complaints about North State Acceptance since 2013, 36 of them in the last 12 months (-18% on the year before). It answered 91.7% on time and closed 0% with relief for the customer - less often than a typical debt collector. The most common problem is incorrect information on your report.
Poor response record. How it works
- Complaints on record
- 154
- Last 12 months
- 36
- Answered on time
- 91.7%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #387 of 1,963
Since March 2013
-18% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 8, 2026
Most complained-about debt collectors
North State Acceptance complaints by month
The busiest month was January 2025 (9 complaints). Complaints in the last 12 months are down 18% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How North State Acceptance answered last 12 months
- Closed with explanation36100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time7/4591.7% on time
- Relief for customers0/400% closed with relief
- Complaint trend15/15-18% vs last year
What North State Acceptance complaints are about
Top North State Acceptance problems
Inside "Incorrect information on your report"
- Account information incorrect 15
- Information belongs to someone else 10
- Account status incorrect 5
- Old information reappears or never goes away 2
- Personal information incorrect 1
Where North State Acceptance complaints come from
Most complaints: North Carolina (97), South Carolina (11), Virginia (11), Tennessee (7), California (4).
North State Acceptance compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Tate and Kirlin AssocDebt collection | 10 | 37 | F |
| 2 | A.R.M. SolutionsDebt collection | 58 | 36 | C |
| 3 | Andreu, Palma & Andreu, PLDebt collection | 56 | 36 | C |
| 4 | DSR Holdings GroupDebt collection | 10 | 36 | F |
| 5 | National Healthcare CollectionsDebt collection | 48 | 36 | D |
| 6 | Palm Beach Credit AdjustorsDebt collection | 9 | 36 | F |
| 7 | Premier Account ManagementDebt collection | 10 | 36 | F |
| 8 | North State AcceptanceDebt collection | 22 | 36 | F |
Compare side by side: North State Acceptance vs Tate and Kirlin Assoc · North State Acceptance vs A.R.M. Solutions · North State Acceptance vs Andreu, Palma & Andreu, PL · North State Acceptance vs DSR Holdings Group
What people say about North State Acceptance
All experiencesNo experiences with North State Acceptance yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest North State Acceptance complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 8, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Oct 1, 2026 | Debt collection | Written notification about debtNotification didn't disclose it was an attempt to collect a debt | Explained |
| Sep 20, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Sep 11, 2026 | Debt collection | Took or threatened to take negative or legal actionCollected or attempted to collect exempt funds | Explained |
| Sep 7, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Aug 29, 2026 | Credit reporting | Incorrect information on your reportOld information reappears or never goes away | Explained |
| Jul 17, 2026 | Auto loans & leases | Incorrect information on your reportAccount information incorrect | Explained |
| Jul 15, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 14, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 20, 2026 | Auto loans & leases | Incorrect information on your reportAccount information incorrect | Explained |
| Jun 16, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jun 15, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
Questions about North State Acceptance
How many complaints does North State Acceptance have?
North State Acceptance has 154 complaints on record since March 2013, including 36 in the last 12 months and 0 in the last 30 days. That makes it number 809 of every company by complaints this year.
Does North State Acceptance respond to complaints?
Yes. North State Acceptance answered 91.7% 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 22/100 (grade F).
What do people complain about most with North State Acceptance?
The most common problems are incorrect information on your report (33), attempts to collect debt not owed (14), improper use of your report (16).
Is North State Acceptance legit?
North State Acceptance is a real company with a public complaint record: consumers have complained about it 154 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is North State Acceptance legit? for the signals, red flags and how to protect yourself.
Are complaints about North State Acceptance going up or down?
Down. There were 36 complaints in the last 12 months against 44 in the 12 before (-18%). See every month.
How do I file a complaint against North State Acceptance?
Complain to North State Acceptance 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 State Acceptance complaints come from?
Most come from North Carolina (97), South Carolina (11), Virginia (11). 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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