Debt collection
North State Acceptance debt collection complaints
Consumers have filed 44 complaints about North State Acceptance's debt collection, 15 in the last 12 months. North State Acceptance answered 100% on time and closed 0% with relief. See the whole North State Acceptance record.
North State Acceptance 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 | North State Acceptance | 15 | 100% | 0% |
Latest North State Acceptance debt collection complaints
| 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 |
| 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 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 |
| Jun 12, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jun 9, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jun 3, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 30, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 14, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 11, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Dec 5, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 11, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 21, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 16, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 1, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 9, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 8, 2025 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Sep 5, 2025 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Aug 13, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 30, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jul 30, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jul 11, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 2, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Feb 25, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Feb 24, 2025 | Debt collection | Electronic communicationsContacted before 8am or after 9pm | Fixed |
| Jan 24, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | 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.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
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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