North American Credit Services
Sourced from the CFPB Consumer Complaint Database.
Debt Collector, CFPB Complaint Profile Specializes in: Medical debt
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 3 |
| 2014 | 13 |
| 2015 | 24 |
| 2016 | 26 |
| 2017 | 58 |
| 2018 | 3 |
| 2019 | 7 |
| 2020 | 3 |
| 2021 | 14 |
| 2022 | 4 |
| 2023 | 10 |
| 2024 | 25 |
| 2025 | 24 |
| 2026 | 5 |
Complaints by State (Top 15)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for North American Credit Services
208 debt-collection complaints against North American Credit Services appear in the CFPB record - 95% of the 219 complaints filed about this entity. The 25 states and territories represented make this a multi-state operation by complaint volume. Consumers most frequently describe "Medical debt" as the debt type behind their complaint about this collector. The specific issue named most is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction with this collector.
The company's timely response rate is 98.6%, meaning that share of CFPB-forwarded complaints received a reply within the 15-day window the Bureau expects. That figure meets the industry benchmark and indicates an intake process that is functioning on schedule. Of resolved cases, 0% closed with monetary or non-monetary relief to the consumer, which is a notably low relief ratio and worth weighing against the disputed-response percentage. In 16.1% of resolved cases, the consumer formally disputed the response - a rough measure of how often the first resolution missed the mark.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does North American Credit Services have?
North American Credit Services has 208 debt collection complaints filed with the CFPB, representing 95% of all complaints against this company.
Does North American Credit Services respond to complaints on time?
North American Credit Services has a 98.6% timely response rate. That is a strong response record by CFPB standards.
Does North American Credit Services provide relief to consumers?
Of resolved complaints against North American Credit Services, 0% ended with consumer relief of some kind.
What type of debt does North American Credit Services primarily collect?
Based on CFPB complaint records, North American Credit Services's primary debt type is "Medical debt"; the complete breakdown is shown above.
What rights do I have against North American Credit Services?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is North American Credit Services active?
CFPB data shows consumer complaints against North American Credit Services from 25 states and territories.
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.