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Data / Consumer complaints / National Debt Holdings, LLC

National Debt Holdings, LLC: 61 CFPB consumer complaints in the last 3 years

National Debt Holdings, LLC drew 61 consumer complaints in the CFPB database in the three years to November 6, 2026, and 74 since 2018. The largest group, 48, was about debt collection, and the most common issue was “Attempts to collect debt not owed” with 17. 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.

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  • 61Complaints, last 3 years
  • 74Complaints, all years
  • 100.0%Responded on time
  • 0.0%Closed with relief
  • 4Products
  • Oct 30, 2026Latest received

Complaints by year

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

YearComplaints
2026, to Nov 637
202520
20244
20211
20202
20198
20182

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 collection4878.7%
Credit reporting or other personal consumer reports813.1%
Payday loan, title loan, personal loan, or advance loan46.6%
Student loan11.6%

Issues

IssueComplaintsShare
Attempts to collect debt not owed1727.9%
Took or threatened to take negative or legal action1423%
Written notification about debt711.5%
Electronic communications46.6%
Incorrect information on your report46.6%
False statements or representation34.9%
Problem with a company's investigation into an existing problem34.9%
Communication tactics23.3%
Can't contact lender or servicer11.6%
Credit monitoring or identity theft protection services11.6%
Dealing with your lender or servicer11.6%
Improper use of your report11.6%
Problem when making payments11.6%
Struggling to pay your loan11.6%
Threatened to contact someone or share information improperly11.6%

How the company responded

Company responseComplaintsShare
Closed with explanation61100%

States

StateComplaintsShare
Texas1829.5%
Florida69.8%
South Carolina69.8%
Michigan58.2%
Illinois34.9%
New Jersey34.9%
Delaware23.3%
Mississippi23.3%
North Carolina23.3%
New York23.3%
Pennsylvania23.3%
Wisconsin23.3%
Alabama11.6%
Arkansas11.6%
California11.6%
Georgia11.6%
Indiana11.6%
Missouri11.6%
North Dakota11.6%
Ohio11.6%

Latest 50 complaints

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

ReceivedProductIssueCompany responseSource
October 30, 2026Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
October 29, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 23, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 22, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 20, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 2, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
September 4, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 2, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 20, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
August 7, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 24, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 20, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
July 19, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
June 26, 2026Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
June 26, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
June 11, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
June 11, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
June 9, 2026Payday loan, title loan, personal loan, or advance loanCan't contact lender or servicerClosed with explanationconsumerfinance.gov
May 16, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 14, 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
April 30, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 23, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 21, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
April 19, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
April 15, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
April 13, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
March 25, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
March 25, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
February 11, 2026Payday loan, title loan, personal loan, or advance loanCredit monitoring or identity theft protection servicesClosed with explanationconsumerfinance.gov
February 11, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
February 4, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
January 22, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
January 20, 2026Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
January 18, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
January 13, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
January 11, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
December 24, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 17, 2025Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
November 5, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 28, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 28, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 23, 2025Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
October 20, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 6, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 6, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 26, 2025Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
August 1, 2025Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
June 24, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 1, 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.