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Data / Consumer complaints / National Commercial Services, Inc / Debt collection

National Commercial Services, Inc: 84 CFPB complaints about debt collection, last 3 years

Updated November 7, 2026. Source: CFPB Consumer Complaint Database.

National Commercial Services, Inc drew 84 consumer complaints about debt collection in the CFPB database in the three years to November 6, 2026, 89.4% of its 94 complaints in that time. The most common issue was “Attempts to collect debt not owed”. The company responded on time to 100.0% of them, and 15.5% closed with monetary or other relief.

The request: Watch National Commercial Services, Inc: each new CFPB complaint about debt collection by issue, with the date and the company response. $10 of work on sign-up, no card.

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  • 84Complaints, last 3 years
  • 89.4%Share of the company's complaints
  • 100.0%Responded on time
  • 15.5%Closed with relief
  • Oct 29, 2026Latest received

By period

The three years are cut into 12 month periods ending on the date of the latest data.

PeriodComplaintsShare
12 months to Nov 6, 20263136.9%
12 months to Nov 6, 20253541.7%
12 months to Nov 6, 20241821.4%

Issues

IssueComplaintsShare
Attempts to collect debt not owed3744%
Took or threatened to take negative or legal action1821.4%
False statements or representation1720.2%
Written notification about debt78.3%
Communication tactics33.6%
Electronic communications11.2%
Threatened to contact someone or share information improperly11.2%

How the company responded

Company responseComplaintsShare
Closed with explanation7184.5%
Closed with non-monetary relief1214.3%
Closed with monetary relief11.2%

States

Where the consumers who complained live, as they gave it to the CFPB.

StateComplaintsShare
North Carolina1315.5%
California78.3%
Louisiana78.3%
Texas78.3%
Ohio67.1%
Virginia67.1%
New York56%
Illinois33.6%
Indiana33.6%
Arkansas22.4%
Connecticut22.4%
Florida22.4%
Georgia22.4%
Maryland22.4%
Michigan22.4%
Nebraska22.4%
Nevada22.4%
Washington22.4%
Iowa11.2%
Kansas11.2%
Massachusetts11.2%
Mississippi11.2%
New Hampshire11.2%
New Jersey11.2%
Pennsylvania11.2%

Latest 25 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

Also on SpecStream

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.