CFPB Consumer Complaint Profile

N.A.R., Inc.

329 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.

Data updated 2026-05-15

329
Total complaints
49
Last 12 months
93%
Timely response
39
States affected

The verdict

Among 3,848 financial companies tracked by CFPB complaint volume, N.A.R., Inc. sits at #655, with 329 complaints logged. Its on-time response rate is 93%, ahead of the 93% median among companies with 100+ complaints.

#655
of 3,848 companies by volume
93%
answered on time
Debt collection
most-complained product
39
states with complaints
N.A.R., Inc. timely response rate 93.0%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - I do not know 81
Debt collection - Medical debt 45
Debt collection - Medical 38
Debt collection - Other debt 38
Debt collection - Credit card debt 32
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 32
Debt collection - Other (i.e. phone, health club, etc.) 19
Credit reporting or other personal consumer reports - Credit reporting 13
Debt collection - Auto debt 12
Debt collection - Rental debt 6

Top Issues

1.Attempts to collect debt not owed 77
2.False statements or representation 47
3.Written notification about debt 38
4.Took or threatened to take negative or legal action 33
5.Cont'd attempts collect debt not owed 32
6.Incorrect information on your report 31
7.Disclosure verification of debt 18
8.Communication tactics 17
9.Improper contact or sharing of info 6
10.Threatened to contact someone or share information improperly 5

Complaints by Year

Year Complaints
2013 6
2014 16
2015 22
2016 24
2017 34
2018 34
2019 21
2020 15
2021 23
2022 30
2023 12
2024 31
2025 51
2026 10

Complaints by State (Top 15)

Utah 87
Texas 39
Colorado 36
Florida 21
California 18
Arizona 16
Idaho 11
New York 9
Georgia 9
Nevada 9
Washington 8
Ohio 6
Missouri 5
Michigan 4
North Carolina 4

Company Responses

Closed with explanation 326
In progress 2
Closed with non-monetary relief 1

What the CFPB Complaint Record Shows for N.A.R., Inc.

N.A.R., Inc. carries 329 complaints in the CFPB's database, 49 of them filed within the past 12 months. Consumers spanning 39 states and territories have weighed in, giving this a multi-regional footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.

Within the Bureau's 15-day response window, N.A.R., Inc. answers 93% of forwarded complaints. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. The company's response was formally disputed in 12.7% of resolved cases, indicating how frequently the initial fix fell short. Of complaints that were resolved, 0.3% closed with some form of monetary or non-monetary relief to the consumer.

How to read complaint counts

Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.

Frequently Asked Questions

How many CFPB complaints does N.A.R., Inc. have?

329 complaints have been filed against N.A.R., Inc. with the CFPB overall - 49 of them in the past year.

Does N.A.R., Inc. respond to complaints on time?

93% of the CFPB complaints against N.A.R., Inc. get a response within the expected window.

What product generates the most complaints for N.A.R., Inc.?

The most complained-about product for N.A.R., Inc. is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with N.A.R., Inc.?

Consumers most often cite "Attempts to collect debt not owed" when complaining about N.A.R., Inc.; the full issue list with counts is above.

How do I file a complaint against N.A.R., Inc.?

You can file a complaint against N.A.R., Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.

In how many states have consumers complained about N.A.R., Inc.?

The CFPB has recorded complaints against N.A.R., Inc. from 39 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.

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Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.