CFPB Consumer Complaint Profile
Niagara Capital Recovery LLC
Consumers have filed 16 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 16
- Total complaints
- Below average
- 0
- Last 12 months
- 37.5%
- Timely response
- Bottom decile
- 12
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Niagara Capital Recovery LLC has accumulated 16 complaints, placing it #3154 by volume. Its on-time response rate is 37.5%, the 2nd percentile among companies with 100+ complaints.
- #3154
- of 3,843 companies by volume
- 37.5%
- on time (2nd pctile)
- Debt collection
- most-complained product
- 12
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Niagara Capital Recovery LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
37.5% Among the lowest higher than 2% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2015 | 9 |
| 2016 | 3 |
| 2018 | 3 |
| 2019 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Niagara Capital Recovery LLC
16 complaints against Niagara Capital Recovery LLC appear in the CFPB record, including 0 from the trailing year. The 12 states and territories represented put this footprint in geographically concentrated territory. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Communication tactics," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, Niagara Capital Recovery LLC posts a 37.5% reply rate on forwarded complaints. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. Resolved cases drew a formal consumer-dispute rate of 8.3% - a rough measure of how often the first resolution missed the mark. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0% rate.
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, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
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 Niagara Capital Recovery LLC have?
The CFPB has logged 16 complaints against Niagara Capital Recovery LLC to date, of which 0 came in over the last 12 months.
Does Niagara Capital Recovery LLC respond to complaints on time?
Niagara Capital Recovery LLC has a 37.5% timely response rate to CFPB complaints. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Niagara Capital Recovery LLC?
"Debt collection" draws more CFPB complaints against Niagara Capital Recovery LLC than any other product - see the full breakdown above.
What is the most common complaint issue with Niagara Capital Recovery LLC?
"Communication tactics" is the single most frequently cited issue in complaints against Niagara Capital Recovery LLC - see all issues and counts above.
How do I file a complaint against Niagara Capital Recovery LLC?
You can file a complaint against Niagara Capital Recovery LLC 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 Niagara Capital Recovery LLC?
Consumers in 12 states and territories have filed complaints about Niagara Capital Recovery LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Niagara Capital Recovery LLC: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (8.3% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Niagara Capital Recovery LLC have?
The CFPB has logged 16 complaints against Niagara Capital Recovery LLC to date, of which 0 came in over the last 12 months.
Does Niagara Capital Recovery LLC respond to complaints on time?
Niagara Capital Recovery LLC has a 37.5% timely response rate to CFPB complaints. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Niagara Capital Recovery LLC?
"Debt collection" draws more CFPB complaints against Niagara Capital Recovery LLC than any other product - see the full breakdown above.
What is the most common complaint issue with Niagara Capital Recovery LLC?
"Communication tactics" is the single most frequently cited issue in complaints against Niagara Capital Recovery LLC - see all issues and counts above.
How do I file a complaint against Niagara Capital Recovery LLC?
You can file a complaint against Niagara Capital Recovery LLC 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 Niagara Capital Recovery LLC?
Consumers in 12 states and territories have filed complaints about Niagara Capital Recovery LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.