CFPB Consumer Complaint Profile
North State Acceptance, LLC
127 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 127
- Total complaints
- Mid-range
- 36
- Last 12 months
- 97.6%
- Timely response
- Below median
- 14
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, North State Acceptance, LLC sits at #1196, with 127 complaints logged. On-time replies land at 97.6%, the 44th percentile for the 100+ complaint peer group.
- #1196
- of 3,843 companies by volume
- 97.6%
- on time (44th pctile)
- Vehicle loan or lease
- most-complained product
- 14
- 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.
North State Acceptance, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
97.6% Around the middle higher than 44% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 7 in 2024 to 44 in 2025 (2024 → 2025).
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 | 1 |
| 2015 | 2 |
| 2016 | 5 |
| 2017 | 9 |
| 2018 | 5 |
| 2019 | 5 |
| 2020 | 7 |
| 2021 | 9 |
| 2022 | 15 |
| 2023 | 10 |
| 2024 | 7 |
| 2025 | 44 |
| 2026year in progress | 7 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for North State Acceptance, LLC
The CFPB Consumer Complaint Database has logged 127 complaints against North State Acceptance, LLC overall, with 36 of those filed in the trailing 12 months. Reports have come from consumers in 14 states and territories, making this a geographically concentrated complaint footprint. "Vehicle loan or lease" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Incorrect information on your report," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, North State Acceptance, LLC posts a 97.6% reply rate on forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. Consumers formally disputed the company's response at a 7.7% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 7.1% 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 North State Acceptance, LLC have?
The CFPB has logged 127 complaints against North State Acceptance, LLC to date, of which 36 came in over the last 12 months.
Does North State Acceptance, LLC respond to complaints on time?
North State Acceptance, LLC's CFPB timely-response rate is 97.6%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for North State Acceptance, LLC?
Among all products tied to North State Acceptance, LLC, "Vehicle loan or lease" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with North State Acceptance, LLC?
The most common issue reported by consumers about North State Acceptance, LLC is "Incorrect information on your report." All complaint issues are listed above with their counts.
How do I file a complaint against North State Acceptance, LLC?
You can file a complaint against North State Acceptance, 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 North State Acceptance, LLC?
North State Acceptance, LLC has drawn CFPB complaints from 14 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 North State Acceptance, 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 (7.7% here).
Also handles Vehicle loan or lease
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does North State Acceptance, LLC have?
The CFPB has logged 127 complaints against North State Acceptance, LLC to date, of which 36 came in over the last 12 months.
Does North State Acceptance, LLC respond to complaints on time?
North State Acceptance, LLC's CFPB timely-response rate is 97.6%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for North State Acceptance, LLC?
Among all products tied to North State Acceptance, LLC, "Vehicle loan or lease" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with North State Acceptance, LLC?
The most common issue reported by consumers about North State Acceptance, LLC is "Incorrect information on your report." All complaint issues are listed above with their counts.
How do I file a complaint against North State Acceptance, LLC?
You can file a complaint against North State Acceptance, 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 North State Acceptance, LLC?
North State Acceptance, LLC has drawn CFPB complaints from 14 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.