Total CFPB complaints
4
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 4 complaints
National Credit Processing Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 3 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about National Credit Processing Inc.
- Communication tactics
Communication tactics
1 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
1 complaints
- Taking/threatening an illegal action
Taking/threatening an illegal action
1 complaints
- Confusing or misleading advertising or marketing
Confusing or misleading advertising or marketing
1 complaints
F
Grade F · 50.6/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about National Credit Processing Inc.?
National Credit Processing Inc. has accumulated 4 total CFPB complaints across 3 states, with 0 filed in the most recent 12 months against 4 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Used obscene, profane, or other abusive language", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 0% timely-response rate against a 0% 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 3 states, led by Texas with 2 and Florida with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 50.6/100 places National Credit Processing Inc. in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Falling ↓
States active
3
Distinct state filings
Timely response rate
0%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
F
50.6/100 composite
Response-quality profile
How National Credit Processing Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 0.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 5.4%
Share of US states + territories with at least one filed complaint against this collector.
How does National Credit Processing Inc. compare to its peers?
National Credit Proces… 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)
2015-10 2024-04
Top Consumer Issues
Communication tactics1 (%)
Attempts to collect debt not owed1 (%)
Taking/threatening an illegal action1 (%)
Confusing or misleading advertising or marketing1 (%)
Most common issue: Communication tactics — Used obscene, profane, or other abusive language
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 |
|---|---|---|
| Communication tactics | Used obscene, profane, or other abusive language | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 1 |
| Confusing or misleading advertising or marketing | — | 1 |
Where do complaints against National Credit Processing Inc. come from?
The states where consumers have filed the most CFPB complaints against National Credit Processing Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against National Credit Processing Inc.
Across 3 states with at least one filing
- Texas
Texas
2 complaints
- Florida
Florida
1 complaints
- Virginia
Virginia
1 complaints
Frequently Asked Questions
What is the most common complaint against National Credit Processing Inc.? ▼
The most common issue consumers report about National Credit Processing Inc. is "Communication tactics", specifically "Used obscene, profane, or other abusive language". This is based on 4 complaints filed with the CFPB.
Are complaints against National Credit Processing Inc. increasing or decreasing? ▼
Complaints against National Credit Processing Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.
What is National Credit Processing Inc.'s reputation grade? ▼
National Credit Processing Inc. has a reputation grade of F (score: 50.6/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does National Credit Processing Inc. respond to consumer complaints? ▼
National Credit Processing Inc. has a 0% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does National Credit Processing Inc. operate? ▼
National Credit Processing Inc. has received CFPB complaints from consumers in 3 states, with the most complaints from Texas (2 complaints).
What can I do if National Credit Processing 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 Credit Processing 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 |