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Data / Consumer complaints / National Commercial Services, Inc

National Commercial Services, Inc: 94 CFPB consumer complaints in the last 3 years

National Commercial Services, Inc drew 94 consumer complaints in the CFPB database in the three years to November 6, 2026, and 225 since 2013. The largest group, 84, was about debt collection, and the most common issue was “Attempts to collect debt not owed” with 37. The company responded on time to 100.0% of the complaints, and 16.0% 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 North Carolina
  • 94Complaints, last 3 years
  • 225Complaints, all years
  • 100.0%Responded on time
  • 16.0%Closed with relief
  • 3Products
  • Oct 29, 2026Latest received

Complaints by year

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

YearComplaints
2026, to Nov 628
202541
202423
202314
202212
20218
20208
201917
201819
201711
201616
201512
201412
20134

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 collection8489.4%
Credit reporting or other personal consumer reports99.6%
Checking or savings account11.1%

Issues

IssueComplaintsShare
Attempts to collect debt not owed3739.4%
Took or threatened to take negative or legal action1819.1%
False statements or representation1718.1%
Written notification about debt77.4%
Incorrect information on your report55.3%
Communication tactics33.2%
Problem with a company's investigation into an existing problem33.2%
Electronic communications11.1%
Improper use of your report11.1%
Managing an account11.1%
Threatened to contact someone or share information improperly11.1%

How the company responded

Company responseComplaintsShare
Closed with explanation7984%
Closed with non-monetary relief1313.8%
Closed with monetary relief22.1%

States

StateComplaintsShare
North Carolina1313.8%
California99.6%
Louisiana88.5%
Texas77.4%
Illinois66.4%
New York66.4%
Ohio66.4%
Virginia66.4%
Georgia33.2%
Indiana33.2%
Arkansas22.1%
Connecticut22.1%
Florida22.1%
Maryland22.1%
Michigan22.1%
Nebraska22.1%
New Hampshire22.1%
Nevada22.1%
Washington22.1%
Iowa11.1%
Kansas11.1%
Kentucky11.1%
Massachusetts11.1%
Mississippi11.1%
New Jersey11.1%

Latest 50 complaints

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

ReceivedProductIssueCompany responseSource
October 29, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
October 28, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
September 23, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
September 6, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
August 25, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
August 17, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 14, 2026Debt collectionFalse statements or representationClosed with non-monetary reliefconsumerfinance.gov
August 10, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
August 7, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 20, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
July 10, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
July 7, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
July 3, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
June 27, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
June 24, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 2, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
May 20, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
May 12, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 8, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
April 9, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
March 24, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
March 10, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
February 15, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
January 27, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
January 12, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
January 9, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
January 6, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
January 1, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with non-monetary reliefconsumerfinance.gov
December 4, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 24, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 24, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 17, 2025Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
October 30, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 15, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 30, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 23, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 8, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with monetary reliefconsumerfinance.gov
September 3, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
August 20, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
August 8, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 6, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
July 28, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
July 25, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
July 14, 2025Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
June 27, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
June 20, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 12, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
June 12, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 6, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
June 5, 2025Debt collectionTook or threatened to take negative or legal actionClosed 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.