Total CFPB complaints
198
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 198 complaints
National Business Factors — Debt Collector Complaint Profile
CFPB complaint profile across 19 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about National Business Factors
- Attempts to collect debt not owed
Attempts to collect debt not owed
61 complaints
- Written notification about debt
Written notification about debt
37 complaints
- False statements or representation
False statements or representation
34 complaints
- Took or threatened to take negative or legal action 20
Took or threatened to take negative or legal action
20 complaints
- Cont'd attempts collect debt not owed 11
Cont'd attempts collect debt not owed
11 complaints
- Disclosure verification of debt 8
Disclosure verification of debt
8 complaints
C
Grade C · 60.5/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about National Business Factors?
National Business Factors has accumulated 198 total CFPB complaints across 19 states, with 35 filed in the most recent 12 months against 163 historical complaints before that window. The trailing-12-month volume represents 17.7% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 12% 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 19 states, led by Nevada with 101 and California with 50, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 60.5/100 places National Business Factors in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
35
17.7% of total history
Stable →
States active
19
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
12%
After company response
Reputation grade
C
60.5/100 composite
Response-quality profile
How National Business Factors performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 24.2%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 33.9%
Share of US states + territories with at least one filed complaint against this collector.
How does National Business Factors compare to its peers?
National Business Fact… 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)
2024-01 2026-02
Top Consumer Issues
Attempts to collect debt not owed61 (%)
False statements or representation34 (%)
Written notification about debt37 (%)
Took or threatened to take negative or legal action20 (%)
Disclosure verification of debt8 (%)
Cont'd attempts collect debt not owed11 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 35 |
| False statements or representation | Attempted to collect wrong amount | 34 |
| Written notification about debt | Didn't receive enough information to verify debt | 23 |
| Attempts to collect debt not owed | Debt was paid | 22 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 20 |
| Written notification about debt | Didn't receive notice of right to dispute | 14 |
| Disclosure verification of debt | Right to dispute notice not received | 8 |
| Cont'd attempts collect debt not owed | Debt is not mine | 7 |
| Cont'd attempts collect debt not owed | Debt was paid | 4 |
| Attempts to collect debt not owed | Debt was result of identity theft | 4 |
Where do complaints against National Business Factors come from?
The states where consumers have filed the most CFPB complaints against National Business Factors. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against National Business Factors
Across 19 states with at least one filing
- Nevada
Nevada
101 complaints
- California
California
50 complaints
- Washington 9
Washington
9 complaints
- Texas 7
Texas
7 complaints
- Colorado 5
Colorado
5 complaints
- Rhode Island 4
Rhode Island
4 complaints
- Ohio 4
Ohio
4 complaints
- West Virginia 4
West Virginia
4 complaints
Frequently Asked Questions
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 198 complaints filed with the CFPB.
Are complaints against National Business Factors increasing or decreasing? ▼
Complaints against National Business Factors have been stable. The company received 35 complaints in the last 12 months.
What is National Business Factors's reputation grade? ▼
National Business Factors has a reputation grade of C (score: 60.5/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 (101 complaints).
What can I do if National Business Factors 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 Business Factors 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 |