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

CFPB complaint data Grade D 189 complaints

National Commercial Services, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 35 states, reputation grade D.

Complaints by issue type

What consumers report about National Commercial Services, Inc

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

Data updated September 2026

CFPB complaint disposition

CCDB record national-commercial-services-inc National Commercial Services, Inc

Grade D · 189 CFPB filings · 97% timely · lead issue: Attempts to collect debt not owed

  • VOL 189
  • GRADE D
  • 12MO 28
  • STATES 35
  • TIMELY 97%
  • DISPUTE 25%
  • ISSUE Attempts to collect debt n…
  • RANK #567
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Ava Finance, Inc (189 complaints)

Ava Finance, IncAva Finance, Inc189Galaxy Capital Acquisitions, LLCGalaxy Capital Acquisitions,…189National Commercial Services, Inc (this)National Commercial Services…189D2 Management LLCD2 Management LLC190Professional Placement Services, LLCProfessional Placement Servi…190
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

National Commercial Services, Inc's 189 CFPB complaints sit next to Ava Finance, Inc 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 189 complaints break down

Every complaint issue type on record for National Commercial Services, Inc, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
53.3/100
National Commercial Services, Inc

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
189
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
97%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
25%
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.

Filing geometry

California is the plurality state for National Commercial Services, Inc (15.3%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
California 15.3%
Mid-band (15–30%) · 35 states with ≥1 filing
Seasonal peak
2024-05 10.0%
8–15% band · 3 filings
Corpus ranks
#567 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does National Commercial Services, Inc compare to its peers?

How does National Commercial Services, Inc 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 Commercial Services, Inc National average
Complaints (last 12 mo)lower is better
28
29
268
Timely-response ratehigher is better
97%
97%
91%
Consumer-dispute ratelower is better
25%
17%
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 Commercial Services, Inc a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 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 0%20%40%60%80%100%120% 5%10%15%20%25%30% Timely response rate (%) Dispute rate (%) National Commercial Services, Inc vs. 8 similar-volume peers, by response speed and dispute rate National Commercial Services, IncGalaxy Capital Acquisitions, LLCCawley & Bergmann, LLPRevenue Recovery CorporationVan Ru Credit CorporationProfessional Placement Services, LLCD2 Management LLCGREAT LAKESCredit Collections U.S.A., L.L.C.
Source: CFPB Consumer Complaint Database

National Commercial Services, Inc's complaint volume in context

National Commercial Services, Inc 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)

189 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%). This entry sits in this band. 200–220: 536 collectors (10%). Above this entry. National Commercial Services, Inc 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 ↓
2014-03 2026-02

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
65
Took or threatened to take negative or legal action
30
False statements or representation
27
Cont'd attempts collect debt not owed
23
Communication tactics
18
Written notification about debt
13
Disclosure verification of debt
4
Threatened to contact someone or share information improperly
3
Improper contact or sharing of info
3
Taking/threatening an illegal action
2

Where do complaints against National Commercial Services, Inc come from?

National Commercial Services, Inc's own per-state count, not a national baseline.

Top states by complaints against National Commercial Services, Inc

Across 35 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 Commercial Services, Inc: 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: 189.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 96.64804469273743%.

4 peers

Know your rights before responding to National Commercial Services, Inc: 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.