CFPB Consumer Complaint Profile
Niagara Credit Solutions, Inc
Behind the 22 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 22
- Total complaints
- Mid-range
- 0
- Last 12 months
- 100%
- Timely response
- Top decile
- 12
- States affected
The verdict
22 CFPB complaints put Niagara Credit Solutions, Inc at #2732 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 100%, the 86th percentile for the 100+ complaint peer group.
- #2732
- of 3,843 companies by volume
- 100%
- on time (86th 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 Credit Solutions, Inc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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 |
|---|---|
| 2013 | 1 |
| 2014 | 6 |
| 2015 | 7 |
| 2016 | 2 |
| 2017 | 2 |
| 2018 | 3 |
| 2019 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Niagara Credit Solutions, Inc
The CFPB Consumer Complaint Database has logged 22 complaints against Niagara Credit Solutions, Inc overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 12 states and territories, making this a geographically concentrated complaint footprint. 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 "Cont'd attempts collect debt not owed," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, Niagara Credit Solutions, Inc posts a 100% reply rate on forwarded complaints. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Consumers formally disputed the company's response at a 0% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, the consumer-relief closure rate is 0%.
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 Credit Solutions, Inc have?
22 complaints have been filed against Niagara Credit Solutions, Inc with the CFPB overall - 0 of them in the past year.
Does Niagara Credit Solutions, Inc respond to complaints on time?
Niagara Credit Solutions, Inc's CFPB timely-response rate is 100%. This is considered excellent.
What product generates the most complaints for Niagara Credit Solutions, Inc?
"Debt collection" draws more CFPB complaints against Niagara Credit Solutions, Inc than any other product - see the full breakdown above.
What is the most common complaint issue with Niagara Credit Solutions, Inc?
Consumers most often cite "Cont'd attempts collect debt not owed" when complaining about Niagara Credit Solutions, Inc; the full issue list with counts is above.
How do I file a complaint against Niagara Credit Solutions, Inc?
You can file a complaint against Niagara Credit Solutions, 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 Niagara Credit Solutions, Inc?
Niagara Credit Solutions, Inc has drawn CFPB complaints from 12 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Niagara Credit Solutions, Inc: 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 (0% 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 Credit Solutions, Inc have?
22 complaints have been filed against Niagara Credit Solutions, Inc with the CFPB overall - 0 of them in the past year.
Does Niagara Credit Solutions, Inc respond to complaints on time?
Niagara Credit Solutions, Inc's CFPB timely-response rate is 100%. This is considered excellent.
What product generates the most complaints for Niagara Credit Solutions, Inc?
"Debt collection" draws more CFPB complaints against Niagara Credit Solutions, Inc than any other product - see the full breakdown above.
What is the most common complaint issue with Niagara Credit Solutions, Inc?
Consumers most often cite "Cont'd attempts collect debt not owed" when complaining about Niagara Credit Solutions, Inc; the full issue list with counts is above.
How do I file a complaint against Niagara Credit Solutions, Inc?
You can file a complaint against Niagara Credit Solutions, 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 Niagara Credit Solutions, Inc?
Niagara Credit Solutions, Inc has drawn CFPB complaints from 12 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.