Total CFPB complaints
382
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 382 complaints
National Collection Systems, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 42 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about National Collection Systems, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
136 complaints
- Written notification about debt
Written notification about debt
90 complaints
- False statements or representation 45
False statements or representation
45 complaints
- Took or threatened to take negative or legal action 30
Took or threatened to take negative or legal action
30 complaints
- Communication tactics 16
Communication tactics
16 complaints
- Threatened to contact someone or share information improperly 6
Threatened to contact someone or share information improperly
6 complaints
D
Grade D · 57.2/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about National Collection Systems, Inc.?
National Collection Systems, Inc. has accumulated 382 total CFPB complaints across 42 states, with 90 filed in the most recent 12 months against 292 historical complaints before that window. The trailing-12-month volume represents 23.6% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
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 100% timely-response rate against a 21% 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 42 states, led by Texas with 59 and California with 29, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.2/100 places National Collection Systems, Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
90
23.6% of total history
Rising ↑
States active
42
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
21%
After company response
Reputation grade
D
57.2/100 composite
Response-quality profile
How National Collection Systems, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 41.0%
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?
National Collection Sy… 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed136 (%)
Written notification about debt90 (%)
False statements or representation45 (%)
Took or threatened to take negative or legal action30 (%)
Communication tactics16 (%)
Threatened to contact someone or share information improperly6 (%)
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 | 89 |
| Written notification about debt | Didn't receive enough information to verify debt | 56 |
| False statements or representation | Attempted to collect wrong amount | 45 |
| Written notification about debt | Didn't receive notice of right to dispute | 34 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 30 |
| Attempts to collect debt not owed | Debt was result of identity theft | 25 |
| Attempts to collect debt not owed | Debt was paid | 22 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 10 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 6 |
| Communication tactics | Frequent or repeated calls | 6 |
Where do complaints against National Collection Systems, Inc. come from?
The states where consumers have filed the most CFPB complaints against National Collection Systems, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against National Collection Systems, Inc.
Across 42 states with at least one filing
- Texas
Texas
59 complaints
- California
California
29 complaints
- Missouri
Missouri
25 complaints
- Florida 22
Florida
22 complaints
- Michigan 22
Michigan
22 complaints
- Georgia 21
Georgia
21 complaints
- Illinois 20
Illinois
20 complaints
- Colorado 17
Colorado
17 complaints
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 382 complaints filed with the CFPB.
Are complaints against National Collection Systems, Inc. increasing or decreasing? ▼
Complaints against National Collection Systems, Inc. are rising. The company received 90 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is National Collection Systems, Inc.'s reputation grade? ▼
National Collection Systems, Inc. has a reputation grade of D (score: 57.2/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (59 complaints).
What can I do if National Collection Systems, Inc. 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 Collection Systems, Inc. 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 |