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

CFPB complaint data Grade D 15,649 complaints

National Credit Systems,Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 52 states, reputation grade D.

Complaints by issue type

What consumers report about National Credit Systems,Inc.

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

Data updated September 2026

CFPB complaint disposition

CCDB record national-credit-systemsinc National Credit Systems,Inc.

Grade D · 15,649 CFPB filings · 98% timely · lead issue: Attempts to collect debt not owed · vol #12 · compose #358

  • VOL 15,649
  • GRADE D
  • 12MO 5,697
  • STATES 52
  • TIMELY 98%
  • DISPUTE 25%
  • ISSUE Attempts to collect debt n…
  • RANK #12
  • COMPOSE #358

Volume peers

Nearest volume peer: Transworld Systems Inc (16,283 complaints)

Synchrony FinancialSynchrony Financial12,773Kriya Capital, LLCKriya Capital, LLC13,730National Credit Systems,Inc. (this)National Credit Systems,Inc.…15,649Transworld Systems IncTransworld Systems Inc16,283Capital ONE Financial CorporationCapital ONE Financial Corpor…17,106
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

National Credit Systems,Inc.'s 15,649 CFPB complaints sit next to Transworld Systems 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 15,649 complaints break down

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

Reputation score breakdown

D
Composite reputation score
51.2/100
National Credit Systems,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
15,649
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 B
25%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

Texas is the plurality state for National Credit Systems,Inc. (22.3%)

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

Plurality state
Texas 22.3%
Mid-band (15–30%) · 52 states with ≥1 filing
Seasonal peak
2025-12 9.6%
8–15% band · 372 filings
Corpus ranks
#12 volume
#358 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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

How does National Credit Systems,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 Systems,Inc. National average
Complaints (last 12 mo)lower is better
5,697
4,190
268
Timely-response ratehigher is better
98%
100%
91%
Consumer-dispute ratelower is better
25%
10%
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 Systems,Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 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 80%85%90%95%100%105% 0%5%10%15%20%25%30% Timely response rate (%) Dispute rate (%) National Credit Systems,Inc. vs. 10 similar-volume peers, by response speed and dispute rate National Credit Systems,Inc.TRANSWORLD SYSTEMS INCCAPITAL ONE FINANCIAL CORPORATIONKriya Capital, LLCSYNCHRONY FINANCIALI.C. System, Inc.CITIBANK, N.A.ERCBread Financial Holdings, Inc.CAINE & WEINER COMPANY, INC.CCS Financial Services, Inc.
Source: CFPB Consumer Complaint Database

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

National Credit Systems,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)

15,649 Top 1% higher than 100% 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%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. National Credit Systems,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)

Rising ↑
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
6,875
False statements or representation
2,795
Written notification about debt
2,779
Took or threatened to take negative or legal action
1,768
Cont'd attempts collect debt not owed
508
Communication tactics
396
Disclosure verification of debt
318
Threatened to contact someone or share information improperly
82
Electronic communications
68
Improper contact or sharing of info
44

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

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

Top states by complaints against National Credit Systems,Inc.

Across 52 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 Systems,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: 15,649.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.38284794380213%.

4 peers

Know your rights before responding to National Credit Systems,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.