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

Data updated July 2026

D

Grade D · 53.4/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: National Credit Systems,Inc. ranks ahead of 21% of the 5,283 collectors PlainCollector grades - 79% keep a cleaner CFPB record, on 15,649 all-time complaints and a 98% timely-response rate.

21st pct
reputation rank of 5,283 graded collectors
15,649
CFPB complaints, all-time
98%
answered inside the CFPB window
5,697
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about National Credit Systems,Inc.?

National Credit Systems,Inc. has accumulated 15,649 total CFPB complaints across 52 states, with 5,697 filed in the most recent 12 months against 9,952 historical complaints before that window. The trailing-12-month volume represents 36.4% 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". The company posts a 98% timely-response rate against a 25% consumer-dispute-after-response rate.

Complaints have been recorded across 52 states, led by Texas with 3,495 and Georgia with 2,259. Normalized against the full CFPB collector database, the reputation score of 53.4/100 places National Credit Systems,Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

15,649

mega-volume (CCDB)

Last 12 months

5,697

36.4% of all-time complaints

Rising ↑

States active

52

nationwide footprint

Timely response rate

98%

excellent band

Consumer disputes

25%

elevated (vertical avg ~19%)

Reputation grade

D

53.4/100 composite

How does National Credit Systems,Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

53 Bottom 21% higher than 21% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

National Credit Systems,Inc. versus the debt-collection vertical average.

Timely response within SLA 98.4%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 24.6%
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 Systems,Inc. compare to its peers?

How does National Credit Systems,Inc. compare? Versus a similar-volume peer and the national average, 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 Sub-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

What to do if National Credit Systems,Inc. contacts you

A grade of D signals how National Credit Systems,Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really National Credit Systems,Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how National Credit Systems,Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 53.4/100), 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).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.