Total CFPB complaints
21
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 21 complaints
National Bond And Collection Associates, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 6 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about National Bond And Collection Associates, Inc.
- Communication tactics
Communication tactics
5 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
4 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
3 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
2 complaints
- False statements or representation
False statements or representation
2 complaints
- Disclosure verification of debt
Disclosure verification of debt
2 complaints
B
Grade B · 73.6/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about National Bond And Collection Associates, Inc.?
National Bond And Collection Associates, Inc. has accumulated 21 total CFPB complaints across 6 states, with 0 filed in the most recent 12 months against 21 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Used obscene, profane, or other abusive language", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 0% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 6 states, led by Pennsylvania with 11 and Wisconsin with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 73.6/100 places National Bond And Collection Associates, Inc. in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Falling ↓
States active
6
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
73.6/100 composite
Response-quality profile
How National Bond And Collection Associates, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 10.7%
Share of US states + territories with at least one filed complaint against this collector.
How does National Bond And Collection Associates, Inc. compare to its peers?
National Bond And Coll… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2013-11 2024-12
Top Consumer Issues
Communication tactics5 (%)
Attempts to collect debt not owed4 (%)
Took or threatened to take negative or legal action3 (%)
Cont'd attempts collect debt not owed2 (%)
False statements or representation2 (%)
Disclosure verification of debt2 (%)
Written notification about debt1 (%)
Most common issue: Communication tactics — Used obscene, profane, or other abusive language
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Communication tactics | Used obscene, profane, or other abusive language | 3 |
| Attempts to collect debt not owed | Debt is not yours | 3 |
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 3 |
| Cont'd attempts collect debt not owed | Debt was paid | 2 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Communication tactics | Called before 8am or after 9pm | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 1 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
Where do complaints against National Bond And Collection Associates, Inc. come from?
The states where consumers have filed the most CFPB complaints against National Bond And Collection Associates, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against National Bond And Collection Associates, Inc.
Across 6 states with at least one filing
- Pennsylvania
Pennsylvania
11 complaints
- Wisconsin 3
Wisconsin
3 complaints
- Illinois 2
Illinois
2 complaints
- Virginia 2
Virginia
2 complaints
- New York 1
New York
1 complaints
- Louisiana 1
Louisiana
1 complaints
Frequently Asked Questions
What is the most common complaint against National Bond And Collection Associates, Inc.? ▼
The most common issue consumers report about National Bond And Collection Associates, Inc. is "Communication tactics", specifically "Used obscene, profane, or other abusive language". This is based on 21 complaints filed with the CFPB.
Are complaints against National Bond And Collection Associates, Inc. increasing or decreasing? ▼
Complaints against National Bond And Collection Associates, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.
What is National Bond And Collection Associates, Inc.'s reputation grade? ▼
National Bond And Collection Associates, Inc. has a reputation grade of B (score: 73.6/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does National Bond And Collection Associates, Inc. respond to consumer complaints? ▼
National Bond And Collection Associates, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does National Bond And Collection Associates, Inc. operate? ▼
National Bond And Collection Associates, Inc. has received CFPB complaints from consumers in 6 states, with the most complaints from Pennsylvania (11 complaints).
What can I do if National Bond And Collection Associates, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If National Bond And Collection Associates, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |