What is the most common complaint against National Finance Company, Inc.?

The most common issue consumers report about National Finance Company, Inc. is "Took or threatened to take negative or legal action", specifically "Attempted to collect wrong amount". This is based on 21 complaints filed with the CFPB.

Are complaints against National Finance Company, Inc. increasing or decreasing?

Complaints against National Finance Company, Inc. are rising. The company received 16 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is National Finance Company, Inc.'s reputation grade?

National Finance Company, Inc. has a reputation grade of F (score: 42.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does National Finance Company, Inc. respond to consumer complaints?

National Finance Company, Inc. has a 57% timely response rate to CFPB complaints.

In how many states does National Finance Company, Inc. operate?

National Finance Company, Inc. has received CFPB complaints from consumers in 2 states, with the most complaints from North Carolina (20 complaints).

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

National Finance Company, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade F.

Compiled by PlainCollector

Took or threatened to take negative or legal action

7
Communication tactics

7
False statements or representation

4
Attempts to collect debt not owed

2
Electronic communications

1

Data updated September 2026

CFPB complaint disposition

CCDB record national-finance-company-inc National Finance Company, Inc.

Grade F · 21 CFPB filings · 57% timely · lead issue: Took or threatened to take negative or legal action · vol #1864 · compose #4823

VOL 21
GRADE F
12MO 16
STATES 2
TIMELY 57%
ISSUE Took or threatened to take…
RANK #1,864
COMPOSE #4,823

Volume peers

Nearest volume peer: A & E Futures LLC (21 complaints)

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

National Finance Company, Inc.'s 21 CFPB complaints sit next to A & E Futures LLC 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 →

State-heavy filing map

95.2% of National Finance Company, Inc.'s CFPB filings land in North Carolina

High volume does not equal a clean composite: National Finance Company, Inc. is volume #1,864 but composite #4,823, while North Carolina dominates the geography. Corpus placement method.

Dominant state: North Carolina 95.2%; 20 of 21 filings · 2 states touched
Seasonal peak: 2025-03 8.6%; 8–15% band · 5 filings
Divergent corpus ranks: #1,864 volume; #4,823 composite; Cleanest-composite ladder is 2,959 places worse than volume

How does National Finance Company, Inc. compare to its peers?

How does National Finance Company, 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 Finance Compa… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

57%

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-09 2026-03

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	7
Communication tactics	7
False statements or representation	4
Attempts to collect debt not owed	2
Electronic communications	1

Where do complaints against National Finance Company, Inc. come from?

National Finance Company, Inc.'s own per-state count, not a national baseline.

North Carolina

20
South Carolina

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for National Finance Company, 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: 21.

4 peers

Know your rights before responding to National Finance Company, 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.