What is the most common complaint against National Debt Holdings, LLC?

The most common issue consumers report about National Debt Holdings, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 46 complaints filed with the CFPB.

Are complaints against National Debt Holdings, LLC increasing or decreasing?

Complaints against National Debt Holdings, LLC are rising. The company received 23 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is National Debt Holdings, LLC's reputation grade?

National Debt Holdings, LLC has a reputation grade of D (score: 53.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does National Debt Holdings, LLC respond to consumer complaints?

National Debt Holdings, LLC has a 100% timely response rate to CFPB complaints.

In how many states does National Debt Holdings, LLC operate?

National Debt Holdings, LLC has received CFPB complaints from consumers in 18 states, with the most complaints from Texas (13 complaints).

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

National Debt Holdings, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 18 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

14
Took or threatened to take negative or legal action

11
Written notification about debt

6
False statements or representation

6
Communication tactics

4
Electronic communications

3

Data updated September 2026

CFPB complaint disposition

CCDB record national-debt-holdings-llc National Debt Holdings, LLC

Grade D · 46 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #1250 · compose #3569

VOL 46
GRADE D
12MO 23
STATES 18
TIMELY 100%
ISSUE Attempts to collect debt n…
RANK #1,250
COMPOSE #3,569

Volume peers

Nearest volume peer: Armstrong and Associates, Inc (46 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

National Debt Holdings, LLC's 46 CFPB complaints sit next to Armstrong and Associates, 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 Debt Holdings, LLC (28.3%)

Volume rank #1,250 and composite rank #3,569 diverge by 2,319 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Texas 28.3%; Mid-band (15–30%) · 18 states with ≥1 filing
Seasonal peak: 2023-11 11.5%; 8–15% band · 3 filings
Divergent corpus ranks: #1,250 volume; #3,569 composite; Cleanest-composite ladder is 2,319 places worse than volume

How does National Debt Holdings, LLC compare to its peers?

How does National Debt Holdings, LLC 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 Debt Holdings… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2018-05 2025-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	14
Took or threatened to take negative or legal action	11
Written notification about debt	6
False statements or representation	6
Communication tactics	4
Electronic communications	3
Threatened to contact someone or share information improperly	2

Where do complaints against National Debt Holdings, LLC come from?

National Debt Holdings, LLC's own per-state count, not a national baseline.

Texas

13
Florida

4
New York

4
South Carolina

4
California

3
Wisconsin

3
Arizona

2
Illinois

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for National Debt Holdings, LLC: 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: 46.

4 peers

Know your rights before responding to National Debt Holdings, LLC: 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.