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Data / Consumer complaints / National Credit Systems,Inc.

National Credit Systems,Inc.: 15,435 CFPB consumer complaints in the last 3 years

National Credit Systems,Inc. drew 15,435 consumer complaints in the CFPB database in the three years to November 6, 2026, and 22,411 since 2013. The largest group, 11,894, was about debt collection, and the most common issue was “Attempts to collect debt not owed” with 5,340. The company responded on time to 99.9% 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.

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  • 15,435Complaints, last 3 years
  • 22,411Complaints, all years
  • 99.9%Responded on time
  • 0.0%Closed with relief
  • 6Products
  • Oct 24, 2026Latest received

Complaints by year

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

YearComplaints
2026, to Nov 66,406
20255,763
20243,014
20231,599
20221,130
20211,156
2020714
2019551
2018555
2017573
2016380
2015279
2014223
201368

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 collection11,89477.1%
Credit reporting or other personal consumer reports3,47822.5%
Debt or credit management520.3%
Credit card60.1%
Mortgage40.1%
Payday loan, title loan, personal loan, or advance loan10.1%

Issues

IssueComplaintsShare
Attempts to collect debt not owed5,34034.6%
False statements or representation2,47716%
Written notification about debt2,06313.4%
Incorrect information on your report1,82811.8%
Took or threatened to take negative or legal action1,66310.8%
Problem with a company's investigation into an existing problem8385.4%
Improper use of your report7044.6%
Communication tactics2231.4%
Electronic communications760.5%
Problem with a company's investigation into an existing issue740.5%
Threatened to contact someone or share information improperly520.3%
Identity theft protection or other monitoring services150.1%
Problem with customer service150.1%
Credit monitoring or identity theft protection services120.1%
Charged upfront or unexpected fees110.1%
Didn't provide services promised110.1%
Problem with fraud alerts or security freezes100.1%
Unauthorized withdrawals or charges70.1%
Confusing or missing disclosures50.1%
Confusing or misleading advertising or marketing30.1%
Getting a credit card20.1%
Fees or interest10.1%
Problem when making payments10.1%
Received a loan you didn't apply for10.1%
Struggling to pay mortgage10.1%

How the company responded

Company responseComplaintsShare
Closed with explanation15,11998%
In progress3162%

States

StateComplaintsShare
Texas3,33521.6%
Georgia2,16414%
Florida1,84111.9%
North Carolina1,0686.9%
South Carolina6934.5%
California4312.8%
Illinois4282.8%
Alabama4042.6%
Maryland3872.5%
Ohio3822.5%
Louisiana3312.1%
New York3202.1%
Michigan3192.1%
Tennessee3142%
Pennsylvania2881.9%
Arizona2541.6%
Virginia2531.6%
Mississippi2171.4%
Colorado1941.3%
Indiana1931.3%
Nevada1811.2%
Missouri1581%
Kentucky1561%
New Jersey1320.9%
Arkansas1220.8%

Latest 50 complaints

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

ReceivedProductIssueCompany responseSource
October 24, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 24, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 23, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 23, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 23, 2026Debt collectionFalse statements or representationIn progressconsumerfinance.gov
October 23, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 23, 2026Debt collectionFalse statements or representationIn progressconsumerfinance.gov
October 23, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 23, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 23, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 23, 2026Debt collectionFalse statements or representationIn progressconsumerfinance.gov
October 23, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 23, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 23, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
October 23, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 23, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 22, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 22, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 22, 2026Credit reporting or other personal consumer reportsImproper use of your reportIn progressconsumerfinance.gov
October 22, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
October 22, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 22, 2026Credit reporting or other personal consumer reportsImproper use of your reportIn progressconsumerfinance.gov
October 22, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 22, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 22, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 22, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 22, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 22, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 22, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 22, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
October 22, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
October 22, 2026Debt collectionFalse statements or representationIn progressconsumerfinance.gov
October 22, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 22, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
October 22, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 22, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
October 22, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 22, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 21, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 21, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 21, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 21, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
October 21, 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, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 21, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 21, 2026Debt collectionTook or threatened to take negative or legal actionIn progressconsumerfinance.gov
October 21, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
October 21, 2026Debt collectionWritten notification about debtIn progressconsumerfinance.gov
October 21, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.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.