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

Data updated July 2026

C

Grade C · 60.5/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: National Business Factors ranks ahead of 44% of the 5,283 collectors PlainCollector grades - 56% keep a cleaner CFPB record, on 205 all-time complaints and a 99% timely-response rate.

44th pct
reputation rank of 5,283 graded collectors
205
CFPB complaints, all-time
99%
answered inside the CFPB window
35
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about National Business Factors?

National Business Factors has accumulated 205 total CFPB complaints across 19 states, with 35 filed in the most recent 12 months against 170 historical complaints before that window. The trailing-12-month volume represents 17.1% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 99% timely-response rate against a 12% consumer-dispute-after-response rate.

Complaints have been recorded across 19 states, led by Nevada with 108 and California with 50. Normalized against the full CFPB collector database, the reputation score of 60.5/100 places National Business Factors in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

205

mid-volume (CCDB)

Last 12 months

35

17.1% of all-time complaints

Falling ↓

States active

19

regional footprint

Timely response rate

99%

excellent band

Consumer disputes

12%

average (vertical avg ~19%)

Reputation grade

C

60.5/100 composite

How does National Business Factors's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

60 44th percentile higher than 44% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

National Business Factors versus the debt-collection vertical average.

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) 12.1%
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?

How does National Business Factors compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
National Business Fact… 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.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if National Business Factors contacts you

A grade of C signals how National Business Factors's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really National Business Factors and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how National Business Factors ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 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: 60.5/100), 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).

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

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.