What is the most common complaint against C & S Associates, Inc. dba NCS Credit?

The most common issue consumers report about C & S Associates, Inc. dba NCS Credit is "Took or threatened to take negative or legal action", specifically "Contacted you after you asked them to stop". This is based on 3 complaints filed with the CFPB.

Are complaints against C & S Associates, Inc. dba NCS Credit increasing or decreasing?

Complaints against C & S Associates, Inc. dba NCS Credit are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is C & S Associates, Inc. dba NCS Credit's reputation grade?

C & S Associates, Inc. dba NCS Credit has a reputation grade of B (score: 70.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does C & S Associates, Inc. dba NCS Credit respond to consumer complaints?

C & S Associates, Inc. dba NCS Credit has a 100% timely response rate to CFPB complaints.

In how many states does C & S Associates, Inc. dba NCS Credit operate?

C & S Associates, Inc. dba NCS Credit has received CFPB complaints from consumers in 2 states, with the most complaints from North Carolina (2 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

C & S Associates, Inc. dba NCS Credit - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade B.

Compiled by PlainCollector

Took or threatened to take negative or legal action

1
Communication tactics

1
Threatened to contact someone or share information improperly

1

Data updated September 2026

CFPB complaint disposition

CCDB record c-s-associates-inc-dba-ncs-credit C & S Associates, Inc. dba NCS Credit

Grade B · 3 CFPB filings · 100% timely · lead issue: Took or threatened to take negative or legal action · vol #3597 · compose #1226

VOL 3
GRADE B
12MO 0
STATES 2
TIMELY 100%
ISSUE Took or threatened to take…
RANK #3,597
COMPOSE #1,226

Volume peers

Nearest volume peer: 950 Credit Inc (3 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

C & S Associates, Inc. dba NCS Credit's 3 CFPB complaints sit next to 950 Credit Inc on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

66.7% of C & S Associates, Inc. dba NCS Credit's CFPB filings land in North Carolina

High volume does not equal a clean composite: C & S Associates, Inc. dba NCS Credit is volume #3,597 but composite #1,226, while North Carolina dominates the geography. Corpus placement method.

Dominant state: North Carolina 66.7%; 2 of 3 filings · 2 states touched
Spike month: 2015-03 15.4%; 2 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,597 volume; #1,226 composite; Cleanest-composite ladder is 2,371 places better than volume

How does C & S Associates, Inc. dba NCS Credit compare to its peers?

How does C & S Associates, Inc. dba NCS Credit compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

C & S Associates, Inc.… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

33%

91%

Consumer-dispute ratelower is better

33%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-03 2023-07

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	1
Communication tactics	1
Threatened to contact someone or share information improperly	1

Where do complaints against C & S Associates, Inc. dba NCS Credit come from?

C & S Associates, Inc. dba NCS Credit's own per-state count, not a national baseline.

North Carolina

2
California

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for C & S Associates, Inc. dba NCS Credit: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 3.

4 peers

Know your rights before responding to C & S Associates, Inc. dba NCS Credit: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.