Total CFPB complaints
13,666
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 13,666 complaints
National Credit Systems,Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 52 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about National Credit Systems,Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
5,811 complaints
- Written notification about debt
Written notification about debt
2,404 complaints
- False statements or representation 2,262
False statements or representation
2,262 complaints
- Took or threatened to take negative or legal action 1,342
Took or threatened to take negative or legal action
1,342 complaints
- Cont'd attempts collect debt not owed 439
Cont'd attempts collect debt not owed
439 complaints
- Disclosure verification of debt 203
Disclosure verification of debt
203 complaints
D
Grade D · 53.4/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about National Credit Systems,Inc.?
National Credit Systems,Inc. has accumulated 13,666 total CFPB complaints across 52 states, with 4,770 filed in the most recent 12 months against 8,896 historical complaints before that window. The trailing-12-month volume represents 34.9% 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", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 98% timely-response rate against a 25% 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 52 states, led by Texas with 2,988 and Georgia with 2,012, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 53.4/100 places National Credit Systems,Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
4,770
34.9% of total history
Rising ↑
States active
52
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
25%
After company response
Reputation grade
D
53.4/100 composite
Response-quality profile
How National Credit Systems,Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 49.1%
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?
National Credit System… 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed5,811 (%)
False statements or representation2,262 (%)
Written notification about debt2,404 (%)
Took or threatened to take negative or legal action1,342 (%)
Cont'd attempts collect debt not owed439 (%)
Disclosure verification of debt203 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 3,473 |
| False statements or representation | Attempted to collect wrong amount | 2,262 |
| Written notification about debt | Didn't receive enough information to verify debt | 1,614 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1,591 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1,342 |
| Written notification about debt | Didn't receive notice of right to dispute | 790 |
| Attempts to collect debt not owed | Debt was paid | 747 |
| Cont'd attempts collect debt not owed | Debt is not mine | 325 |
| Disclosure verification of debt | Not given enough info to verify debt | 203 |
| Cont'd attempts collect debt not owed | Debt was paid | 114 |
Where do complaints against National Credit Systems,Inc. come from?
The states where consumers have filed the most CFPB complaints against National Credit Systems,Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against National Credit Systems,Inc.
Across 52 states with at least one filing
- Texas
Texas
2,988 complaints
- Georgia
Georgia
2,012 complaints
- Florida
Florida
1,627 complaints
- North Carolina 867
North Carolina
867 complaints
- South Carolina 538
South Carolina
538 complaints
- California 455
California
455 complaints
- Ohio 341
Ohio
341 complaints
- Arizona 339
Arizona
339 complaints
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 13,666 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 4,770 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). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (2,988 complaints).
What can I do if National Credit Systems,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 Systems,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 |