Total CFPB complaints
6,922
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 6,922 complaints
National Credit Adjusters, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 52 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about National Credit Adjusters, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
3,002 complaints
- Written notification about debt
Written notification about debt
1,391 complaints
- Took or threatened to take negative or legal action 799
Took or threatened to take negative or legal action
799 complaints
- False statements or representation 656
False statements or representation
656 complaints
- Communication tactics 294
Communication tactics
294 complaints
- Cont'd attempts collect debt not owed 68
Cont'd attempts collect debt not owed
68 complaints
D
Grade D · 56.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about National Credit Adjusters, LLC?
National Credit Adjusters, LLC has accumulated 6,922 total CFPB complaints across 52 states, with 2,182 filed in the most recent 12 months against 4,740 historical complaints before that window. The trailing-12-month volume represents 31.5% 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 99% timely-response rate against a 14% 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 52 states, led by Texas with 1,958 and California with 1,058, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.1/100 places National Credit Adjusters, LLC 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
2,182
31.5% of total history
Rising ↑
States active
52
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
14%
After company response
Reputation grade
D
56.1/100 composite
Response-quality profile
How National Credit Adjusters, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.5%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 28.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 92.9%
Share of US states + territories with at least one filed complaint against this collector.
How does National Credit Adjusters, LLC compare to its peers?
National Credit Adjust… 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 owed3,002 (%)
Written notification about debt1,391 (%)
Took or threatened to take negative or legal action799 (%)
False statements or representation656 (%)
Communication tactics294 (%)
Cont'd attempts collect debt not owed68 (%)
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 | 1,860 |
| Written notification about debt | Didn't receive enough information to verify debt | 938 |
| Attempts to collect debt not owed | Debt was result of identity theft | 863 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 799 |
| False statements or representation | Attempted to collect wrong amount | 656 |
| Written notification about debt | Didn't receive notice of right to dispute | 453 |
| Attempts to collect debt not owed | Debt was paid | 279 |
| Communication tactics | Frequent or repeated calls | 210 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 84 |
| Cont'd attempts collect debt not owed | Debt is not mine | 68 |
Where do complaints against National Credit Adjusters, LLC come from?
The states where consumers have filed the most CFPB complaints against National Credit Adjusters, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against National Credit Adjusters, LLC
Across 52 states with at least one filing
- Texas
Texas
1,958 complaints
- California
California
1,058 complaints
- Alabama 382
Alabama
382 complaints
- Ohio 346
Ohio
346 complaints
- Florida 327
Florida
327 complaints
- South Carolina 283
South Carolina
283 complaints
- Louisiana 276
Louisiana
276 complaints
- Georgia 263
Georgia
263 complaints
Frequently Asked Questions
What is the most common complaint against National Credit Adjusters, LLC? ▼
The most common issue consumers report about National Credit Adjusters, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 6,922 complaints filed with the CFPB.
Are complaints against National Credit Adjusters, LLC increasing or decreasing? ▼
Complaints against National Credit Adjusters, LLC are rising. The company received 2,182 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is National Credit Adjusters, LLC's reputation grade? ▼
National Credit Adjusters, LLC has a reputation grade of D (score: 56.1/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does National Credit Adjusters, LLC respond to consumer complaints? ▼
National Credit Adjusters, LLC has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 14% of cases.
In how many states does National Credit Adjusters, LLC operate? ▼
National Credit Adjusters, LLC has received CFPB complaints from consumers in 52 states, with the most complaints from Texas (1,958 complaints).
What can I do if National Credit Adjusters, LLC 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 Credit Adjusters, LLC 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 |