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

CFPB complaint data Grade C 205 complaints

National Business Factors - Debt Collector Complaint Profile

CFPB complaint profile across 19 states, reputation grade C.

Complaints by issue type

What consumers report about National Business Factors

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 #41

  • VOL 205
  • GRADE C
  • 12MO 35
  • STATES 19
  • TIMELY 99%
  • DISPUTE 12%
  • ISSUE Attempts to collect debt n…
  • RANK #522
  • COMPOSE #41

Volume peers

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

Frederick J. Hanna & Associates, P.C. (closed)Frederick J. Hanna & Associa…205Prosper Marketplace, Inc.Prosper Marketplace, Inc.205Rushmore Loan Management Services LLCRushmore Loan Management Ser…205Senex Services Corp.Senex Services Corp.205National Business Factors (this)National Business Factors (t…205
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 →

How the 205 complaints break down

Every complaint issue type on record for National Business Factors, not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
57.1/100
National Business Factors

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
205
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
12%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

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

Concentration is computed from this collector's company_states rows only, not a national baseline. 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
Corpus ranks
#522 volume
#41 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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 Factors National average
Complaints (last 12 mo)lower is better
35
0
268
Timely-response ratehigher is better
99%
98%
91%
Consumer-dispute ratelower is better
12%
29%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy National Business Factors a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 40%60%80%100%120% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) National Business Factors vs. 9 similar-volume peers, by response speed and dispute rate National Business FactorsFrederick J. Hanna & Associates, P.C. (closed)Prosper Marketplace, Inc.RUSHMORE LOAN MANAGEMENT SERVICES LLCSenex Services Corp.Financial Asset Management Systems IncCollections Acquisition Company, Inc.Commercial Recovery SystemsLouisiana Recovery Services Inc.M. G. Credit, Inc.
Source: CFPB Consumer Complaint Database

National Business Factors's complaint volume in context

National Business Factors vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

205 Top 10% higher than 90% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. National Business Factors 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
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.

Top states by complaints against National Business Factors

Across 19 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.