What is the most common complaint against National Business Factors?

The most common issue consumers report about National Business Factors is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 205 complaints filed with the CFPB.

Are complaints against National Business Factors increasing or decreasing?

Complaints against National Business Factors are falling. The company received 35 complaints in the last 12 months, showing improvement over prior periods.

What is National Business Factors's reputation grade?

National Business Factors has a reputation grade of C (score: 57.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does National Business Factors respond to consumer complaints?

National Business Factors has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 12% of cases.

In how many states does National Business Factors operate?

National Business Factors has received CFPB complaints from consumers in 19 states, with the most complaints from Nevada (108 complaints).

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

National Business Factors - Debt Collector Complaint Profile

CFPB complaint profile across 19 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

66
Written notification about debt

43
False statements or representation

35
Took or threatened to take negative or legal action

26
Disclosure verification of debt

14
Cont'd attempts collect debt not owed

11

Data updated September 2026

CFPB complaint disposition

CCDB record national-business-factors National Business Factors

Grade C · 205 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed · vol #522 · compose #2924

VOL 205
GRADE C
12MO 35
STATES 19
TIMELY 99%
DISPUTE 12%
ISSUE Attempts to collect debt n…
RANK #522
COMPOSE #2,924

Volume peers

Nearest volume peer: Frederick J. Hanna & Associates, P.C. (closed) (205 complaints)

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

National Business Factors's 205 CFPB complaints sit next to Frederick J. Hanna & Associates, P.C. (closed) 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

52.7% of National Business Factors's CFPB filings land in Nevada

High volume does not equal a clean composite: National Business Factors is volume #522 but composite #2,924, while Nevada dominates the geography. Corpus placement method.

Dominant state: Nevada 52.7%; 108 of 205 filings · 19 states touched
Seasonal peak: 2026-01 10.2%; 8–15% band · 42 filings
Divergent corpus ranks: #522 volume; #2,924 composite; Cleanest-composite ladder is 2,402 places worse than volume

How does National Business Factors compare to its peers?

How does National Business Factors compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

National Business Fact… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

99%

98%

91%

Consumer-dispute ratelower is better

12%

29%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	66
Written notification about debt	43
False statements or representation	35
Took or threatened to take negative or legal action	26
Disclosure verification of debt	14
Cont'd attempts collect debt not owed	11
Communication tactics	8
Taking/threatening an illegal action	2

Where do complaints against National Business Factors come from?

National Business Factors's own per-state count, not a national baseline.

Nevada

108
California

50
Washington

9
Texas

7
Colorado

5
Ohio

4
Rhode Island

4
West Virginia

4

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for National Business Factors: 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: 205.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.98989898989899%.

4 peers

Know your rights before responding to National Business Factors: 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.