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

CFPB complaint data Grade C 62 complaints

National Credit Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 24 states, reputation grade C.

Complaints by issue type

What consumers report about National Credit Services, Inc.

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

Data updated September 2026

CFPB complaint disposition

CCDB record national-credit-services-inc National Credit Services, Inc.

Grade C · 62 CFPB filings · 98% timely · lead issue: Written notification about debt

  • VOL 62
  • GRADE C
  • 12MO 0
  • STATES 24
  • TIMELY 98%
  • DISPUTE 17%
  • ISSUE Written notification about…
  • RANK #1,069
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Action Revenue Recovery, LLC (62 complaints)

Action Revenue Recovery, LLCAction Revenue Recovery, LLC62Advanced Recovery Systems, Inc.Advanced Recovery Systems, I…62Collection Bureau IncorporatedCollection Bureau Incorporat…62Credit Clearing House of America, Inc.Credit Clearing House of Ame…62National Credit Services, Inc. (this)National Credit Services, In…62
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

National Credit Services, Inc.'s 62 CFPB complaints sit next to Action Revenue Recovery, LLC 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 62 complaints break down

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

Reputation score breakdown

C
Composite reputation score
59.5/100
National Credit 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 D
62
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
98%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
17%
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.

Steady monthly series

Washington is the plurality state for National Credit Services, Inc. (17.7%)

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

Plurality state
Washington 17.7%
Mid-band (15–30%) · 24 states with ≥1 filing
Even monthly load
Peak under 8%
Highest month 2018-09 at 6.5% (2 filings)
Corpus ranks
#1,069 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does National Credit Services, Inc. compare to its peers?

How does National Credit 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 Credit Services, Inc. National average
Complaints (last 12 mo)lower is better
0
19
268
Timely-response ratehigher is better
98%
85%
91%
Consumer-dispute ratelower is better
17%
0%
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 Credit 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 70%80%90%100%110% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) National Credit Services, Inc. vs. 8 similar-volume peers, by response speed and dispute rate National Credit Services, Inc.Michael J Adams PCNational Medical Administrators, IncLaw Offices of Timothy M. SullivanLD Holdings Group, LLCCredit Clearing House of America, Inc.COLLECTION BUREAU INCORPORATEDAdvanced Recovery Systems, Inc.Action Revenue Recovery, LLC
Source: CFPB Consumer Complaint Database

National Credit Services, Inc.'s complaint volume in context

National Credit 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)

62 Top 20% higher than 80% 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%). This entry sits in this band. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. National Credit 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 ↓
2018-03 2025-11

Issue Detail Breakdown

Issue Complaints
Written notification about debt
15
False statements or representation
11
Communication tactics
10
Took or threatened to take negative or legal action
6
Cont'd attempts collect debt not owed
6
Attempts to collect debt not owed
5
Disclosure verification of debt
5
Threatened to contact someone or share information improperly
3
Improper contact or sharing of info
1

Where do complaints against National Credit Services, Inc. come from?

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

Top states by complaints against National Credit Services, Inc.

Across 24 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 Credit 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: 62.

4 peers

Know your rights before responding to National Credit 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.