What is the most common complaint against National Commercial Services, Inc?

The most common issue consumers report about National Commercial Services, Inc is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 189 complaints filed with the CFPB.

Are complaints against National Commercial Services, Inc increasing or decreasing?

Complaints against National Commercial Services, Inc are falling. The company received 28 complaints in the last 12 months, showing improvement over prior periods.

What is National Commercial Services, Inc's reputation grade?

National Commercial Services, Inc has a reputation grade of D (score: 53.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does National Commercial Services, Inc respond to consumer complaints?

National Commercial Services, Inc has a 97% timely response rate to CFPB complaints. Consumers disputed the company's response in 25% of cases.

In how many states does National Commercial Services, Inc operate?

National Commercial Services, Inc has received CFPB complaints from consumers in 35 states, with the most complaints from California (29 complaints).

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

National Commercial Services, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 35 states, reputation grade D.

Compiled by PlainCollector

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

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 #567 · compose #3682

VOL 189
GRADE D
12MO 28
STATES 35
TIMELY 97%
DISPUTE 25%
ISSUE Attempts to collect debt n…
RANK #567
COMPOSE #3,682

Volume peers

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

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 →

Filing geometry

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

Volume rank #567 and composite rank #3,682 diverge by 3,115 places on PlainCollector's CFPB-derived corpus maps. 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
Divergent corpus ranks: #567 volume; #3,682 composite; Cleanest-composite ladder is 3,115 places worse than volume

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 Se… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

97%

91%

Consumer-dispute ratelower is better

25%

17%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

California

29
North Carolina

21
Ohio

17
Florida

14
Virginia

11
Texas

9
Louisiana

7
Washington

7

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.