What is the most common complaint against National Credit Systems,Inc.?

The most common issue consumers report about National Credit Systems,Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 15,649 complaints filed with the CFPB.

Are complaints against National Credit Systems,Inc. increasing or decreasing?

Complaints against National Credit Systems,Inc. are rising. The company received 5,697 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is National Credit Systems,Inc.'s reputation grade?

National Credit Systems,Inc. has a reputation grade of D (score: 51.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does National Credit Systems,Inc. respond to consumer complaints?

National Credit Systems,Inc. has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 25% of cases.

In how many states does National Credit Systems,Inc. operate?

National Credit Systems,Inc. has received CFPB complaints from consumers in 52 states, with the most complaints from Texas (3,495 complaints).

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

National Credit Systems,Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 52 states, reputation grade D.

Compiled by PlainCollector

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

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 #4021

VOL 15,649
GRADE D
12MO 5,697
STATES 52
TIMELY 98%
DISPUTE 25%
ISSUE Attempts to collect debt n…
RANK #12
COMPOSE #4,021

Volume peers

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

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 →

Filing geometry

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

Volume rank #12 and composite rank #4,021 diverge by 4,009 places on PlainCollector's CFPB-derived corpus maps. 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
Divergent corpus ranks: #12 volume; #4,021 composite; Cleanest-composite ladder is 4,009 places worse than volume

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 System… 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.

Complaint Trend (24 months)

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.

Texas

3,495
Georgia

2,259
Florida

1,846
North Carolina

1,013
South Carolina

639
California

501
Illinois

384
Alabama

381

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.