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Data / Consumer complaints / National Collection Systems, Inc.

National Collection Systems, Inc.: 286 CFPB consumer complaints in the last 3 years

National Collection Systems, Inc. drew 286 consumer complaints in the CFPB database in the three years to November 6, 2026, and 544 since 2013. The largest group, 213, was about debt collection, and the most common issue was “Attempts to collect debt not owed” with 99. The company responded on time to 100.0% of the complaints, and 0.0% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

Watch this company's complaintsGet every debt collection companyGet debt collection in Texas
  • 286Complaints, last 3 years
  • 544Complaints, all years
  • 100.0%Responded on time
  • 0.0%Closed with relief
  • 4Products
  • Nov 5, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 695
2025110
202476
202341
202242
202136
202018
201937
201829
201728
201613
20159
20149
20131

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Debt collection21374.5%
Credit reporting or other personal consumer reports6021%
Student loan82.8%
Debt or credit management51.7%

Issues

IssueComplaintsShare
Attempts to collect debt not owed9934.6%
Written notification about debt4716.4%
False statements or representation3010.5%
Incorrect information on your report3010.5%
Took or threatened to take negative or legal action248.4%
Problem with a company's investigation into an existing problem175.9%
Improper use of your report134.5%
Electronic communications62.1%
Struggling to repay your loan51.7%
Communication tactics41.4%
Charged upfront or unexpected fees31%
Threatened to contact someone or share information improperly31%
Confusing or missing disclosures10.3%
Dealing with your lender or servicer10.3%
Didn't provide services promised10.3%
Issue where my lender is my school10.3%
Unable to get your credit report or credit score10.3%

How the company responded

Company responseComplaintsShare
Closed with explanation286100%

States

StateComplaintsShare
Texas6422.4%
Georgia207%
California196.6%
Michigan155.2%
Missouri144.9%
Florida124.2%
New Jersey124.2%
South Carolina124.2%
New York113.8%
Arizona103.5%
Colorado93.1%
Pennsylvania93.1%
Louisiana82.8%
Illinois62.1%
Indiana62.1%
Maryland62.1%
Mississippi62.1%
Alabama51.7%
North Carolina51.7%
Ohio41.4%
Arkansas31%
Minnesota31%
Tennessee31%
Wisconsin31%
Connecticut20.7%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
November 5, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 28, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 27, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 22, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
October 21, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
October 21, 2026Student loanStruggling to repay your loanClosed with explanationconsumerfinance.gov
October 20, 2026Debt or credit managementCharged upfront or unexpected feesClosed with explanationconsumerfinance.gov
October 16, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 16, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 13, 2026Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
October 5, 2026Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
September 30, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
September 30, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
September 22, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
September 9, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 8, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 4, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
August 29, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
August 29, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
August 26, 2026Debt or credit managementConfusing or missing disclosuresClosed with explanationconsumerfinance.gov
August 25, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 21, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 18, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 9, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
August 6, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
August 6, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
August 4, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
August 4, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
July 29, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
July 20, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 17, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 16, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
July 14, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
July 12, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 10, 2026Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
July 3, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
June 24, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
June 22, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
June 19, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
June 15, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
June 6, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 2, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
May 31, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
May 28, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 20, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 14, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 11, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 9, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 5, 2026Student loanIssue where my lender is my schoolClosed with explanationconsumerfinance.gov
May 1, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.