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

CFPB complaint data Grade D 400 complaints

National Collection Systems, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 42 states, reputation grade D.

Complaints by issue type

What consumers report about National Collection Systems, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 57.2/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

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

The verdict

A reputation grade of D: National Collection Systems, Inc. ranks ahead of 32% of the 5,283 collectors PlainCollector grades - 68% keep a cleaner CFPB record, on 400 all-time complaints and a 100% timely-response rate.

32nd pct
reputation rank of 5,283 graded collectors
400
CFPB complaints, all-time
100%
answered inside the CFPB window
86
in the last 12 months (stable)

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 Collection Systems, Inc.?

National Collection Systems, Inc. has accumulated 400 total CFPB complaints across 42 states, with 86 filed in the most recent 12 months against 314 historical complaints before that window. The trailing-12-month volume represents 21.5% 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". The company posts a 100% timely-response rate against a 21% consumer-dispute-after-response rate.

Complaints have been recorded across 42 states, led by Texas with 67 and California with 30. Normalized against the full CFPB collector database, the reputation score of 57.2/100 places National Collection Systems, Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

400

mid-volume (CCDB)

Last 12 months

86

21.5% of all-time complaints

Stable →

States active

42

multi-region footprint

Timely response rate

100%

excellent band

Consumer disputes

21%

elevated (vertical avg ~19%)

Reputation grade

D

57.2/100 composite

How does National Collection Systems, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

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

57 32nd percentile higher than 32% 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%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 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 Collection Systems, Inc. versus the debt-collection vertical average.

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) 20.5%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 75.0%

Share of US states + territories with at least one filed complaint against this collector.

How does National Collection Systems, Inc. compare to its peers?

How does National Collection Systems, Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
National Collection Sy… National average
Complaints (last 12 mo)lower is better
86
91
268
Timely-response ratehigher is better
100%
97%
91%
Consumer-dispute ratelower is better
21%
21%
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 - 151
Written notification about debt - 98
False statements or representation - 49
Took or threatened to take negative or legal action - 32
Communication tactics - 22
Threatened to contact someone or share information improperly - 13
Cont'd attempts collect debt not owed - 11
Disclosure verification of debt - 11
Improper contact or sharing of info - 10
Electronic communications - 3

Where do complaints against National Collection Systems, Inc. come from?

National Collection Systems, Inc.'s own per-state count, not a national baseline.

Top states by complaints against National Collection Systems, Inc.

Across 42 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if National Collection Systems, Inc. contacts you

A grade of D signals how National Collection Systems, Inc.'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 Collection Systems, Inc. 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 Collection Systems, Inc. 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 Collection Systems, Inc.? ▼

The most common issue consumers report about National Collection Systems, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 400 complaints filed with the CFPB.

Are complaints against National Collection Systems, Inc. increasing or decreasing? ▼

Complaints against National Collection Systems, Inc. have been stable. The company received 86 complaints in the last 12 months.

What is National Collection Systems, Inc.'s reputation grade? ▼

National Collection Systems, Inc. has a reputation grade of D (score: 57.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does National Collection Systems, Inc. respond to consumer complaints? ▼

National Collection Systems, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 21% of cases.

In how many states does National Collection Systems, Inc. operate? ▼

National Collection Systems, Inc. has received CFPB complaints from consumers in 42 states, with the most complaints from Texas (67 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.