Business Profile

Collections Agencies

National Credit Systems, Inc.

Headquarters

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for National Credit Systems, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

2,986 total complaints in the last 3 years.
694 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:07/04/2025
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this debt with HIGHGROVE APTS. I do not have a contract with NATIONAL CREDIT SYSTEM, they did not provide me with the original contract as I requested
Customer Answer
Date: 07/04/2025
No I did not authorize a third party company to file a BBB complaint on my behalf. I filed my complaint on my own.
Business Response
Date: 07/09/2025
Your contract was with your previous landlord who placed your account in our office for collections.
I hope that the above response will provide your office with the information you are seeking. Please contact me with any additional questions.
Initial Complaint
Date:07/02/2025
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for the debt with High Acres Apartments. I do not have a contract with ************************* They did not provide me with the original contract as I requested numerous times.
Customer Answer
Date: 07/03/2025
No I did not authorize a third party. This complaint is coming directly from me the consumer. I have been requesting that this company remove this negative item from my credit. They have not verified anything as requested nor have I ever did business with this company
Business Response
Date: 07/09/2025
Your contract was with your previous landlord who placed your account in our office for collections.
I hope that the above response will provide your office with the information you are seeking. Please contact me with any additional questions.

Customer Answer
Date: 07/09/2025

Complaint: 23550536

I am rejecting this response because:

Sincerely,

******* *****
Business Response
Date: 07/10/2025
The purpose of this posting is specifically, and only, related to the review you left on our company. While it is our obligation to collect on debts placed with our company by our clients, it is our strong desire to operate in an ethical and professional manor. Additionally, we do not wish to collect any amount that is not legitimately owed according to the agreement you may have signed or by law in your state. If you believe that this has not occurred, we encourage you to contact us at ************************************ Please provide specifics, such as account ID and other details, so we may access your account to review. Thank you in advanced for providing this information so we can improve our service.

Customer Answer
Date: 07/10/2025

Complaint: 23550536

I am rejecting this response because:

Sincerely,

******* *****
This account does not belong to me and needs to be removed from my report immediately. *** never had an account with your company nor did I ever live at the apartments that is stated on your client behalf. According to the *** you have to show proof bearing my signature on a contract or remove from my report. I will seek legal action against this company if this is not removed from my report.
Initial Complaint
Date:07/01/2025
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this debt with National Credit Systems. I dont have a contract with National Credit Systems, they did not provide me with the original contract as I requested.
Customer Answer
Date: 07/02/2025
Yes I ********* ***** filed this complaint on behalf of myself.
Business Response
Date: 07/09/2025
The purpose of this posting is specifically, and only, related to the review you left on our company. Please provide us with the phone number called along with the date and time of the call. We should then be able to review the call(s) for quality and professionalism. You can send it to ************************************ Thank you in advanced for providing this information so we can improve our service.
Initial Complaint
Date:07/01/2025
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this debt with charter communications, I do not have a contract with Southwest Credit Systems, LP, they did not provide me with the original contract as i requested.
Customer Answer
Date: 07/02/2025
I am not liable for this debt with National Credit systems , I do not have a contract with Current ************, as they did not provide me with the original contract as i requested.
Business Response
Date: 07/09/2025
Your contract was with your previous landlord who placed your account in our office for collections.
I hope that the above response will provide your office with the information you are seeking. Please contact me with any additional questions.
Initial Complaint
Date:07/01/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On July 1, 2025, I called to discuss my outstanding debt, which has a balance of $3,681. I was directed to *** **********, who I was informed was my account manager. During the call, I mentioned that I had just regained access to my old email account and discovered an email from a few months ago stating that I could receive a 50% discount to clear my balance. I wanted to explore my options for settling the debt. I understood that the offer was old and had an expiration date.Dee informed me that she would not entertain this offer and said that my only option was to pay the total balance in full. I explained that, in my conversations with other creditors this week to set up payment arrangements, I had always been given options. She replied, "I never said you didn't have options; you can go onto our website and pay as much of your balance as you would like." I expressed my desire to see if, even if not the 50% discount, any percentage could be offered to assist in setting up a payment plan. However, she persisted that this would not be entertained. I found her response very rude and disheartening. I understand this is a business, but individuals are trying to take responsibility for their debts. Many people would wait seven years and pay nothing. I was simply following up on an email offer that had been sent to me. While I recognize that it was outdated, it indicates that there are options available to help reduce and pay off my balance.
Customer Answer
Date: 07/02/2025
Yes, I did make this complaint, and it is the only complaint I have filed for the Better Business Bureau.
Business Response
Date: 07/09/2025
The purpose of this posting is specifically, and only, related to the review you left on our company. While it is our obligation to collect on debts placed with our company by our clients, it is our strong desire to operate in an ethical and professional manor. Additionally, we do not wish to collect any amount that is not legitimately owed according to the agreement you may have signed or by law in your state. If you believe that this has not occurred, we encourage you to contact us at ************************************ Please provide specifics, such as account ID and other details, so we may access your account to review. Thank you in advanced for providing this information so we can improve our service.
Customer Answer
Date: 07/09/2025

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

******* *******
Initial Complaint
Date:07/01/2025
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this debt with THE GUARANTORS. I do not have a contract with NATIONAL CREDIT SYSTEMS. They did not provide me with the original contract as I requested.
Customer Answer
Date: 07/01/2025
I didnt hire a third party to file this complaint!
Business Response
Date: 07/03/2025
Your contract was with your previous landlord who placed your account in our office for collections.
I hope that the above response will provide your office with the information you are seeking. Please contact me with any additional questions.

Customer Answer
Date: 07/03/2025

Complaint: 23523242

I am rejecting this response because: the communication with my previous landlord did not entail anything about this company! They are not even registered in the county or state data base their offices are in. They cannot provide a contract because there was never one between my previous landlord or me! This collection has been impacting my life in an abysmal way. This is not a debt they can verify with me. I would like for it to please be removed asap!
Sincerely,

***** *****
Business Response
Date: 07/14/2025
I would like to point out that National Credit Systems, Inc. is only a third-party debt collection agency that is collecting a debt on behalf of The Guarantors. This debt did not originate with our organization, nor do we have permission from The Guarantors to release Mr/Ms ***** from liability for this debt.

Mr/Ms ***** has disputed her debt and NCS, as required by law, has submitted her dispute to the ****. We are currently investigating this claim, once we receive a response we will forward the outcome to of Mr/Ms ***** via email.

I hope that the above response will provide your office with the information you are seeking. Please contact me with any additional questions.

Customer Answer
Date: 07/17/2025

Complaint: 23523242

I am rejecting this response because: their response still doesn't show a contract between us holding me liable for this debt. The guarantors would not have sold this debt to them if they found me liable! Because of this, it shows this debt is something for them to profit on and not rectify a conundrum. Them being sold this debt by the guarantors should no longer allow the guarantors to have a say because there is nothing in place holding me to it! I am asking for this debt to be removed from my credit report with all three credit bureaus! They still can not produce anything holding me to this debt. At this point this is just dragging on.

Sincerely,

***** *****
Initial Complaint
Date:06/30/2025
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this debt with 09 *******, I do not have a contract with National Credit Systems, they did not provide me with the original contract as I required.
Customer Answer
Date: 07/01/2025
No I did not authorize a 3rd party to file anything. Correction demanding removal from credit report.
Business Response
Date: 07/03/2025
Your contract was with your previous landlord who placed your account in our office for collections.
I hope that the above response will provide your office with the information you are seeking. Please contact me with any additional questions.

Customer Answer
Date: 07/03/2025

Complaint: 23540468

I am rejecting this response because: I have no knowledge of this collection company or company requesting to collect a debt, Correction I am demanding that this collection company be removed from my credit report immediately.

Sincerely,

******* *******
Business Response
Date: 07/04/2025
The purpose of this posting is specifically, and only, related to the review you left on our company. While it is our obligation to collect on debts placed with our company by our clients, it is our strong desire to operate in an ethical and professional manor. Additionally, we do not wish to collect any amount that is not legitimately owed according to the agreement you may have signed or by law in your state. If you believe that this has not occurred, we encourage you to contact us at ************************************ Please provide specifics, such as account ID and other details, so we may access your account to review. Thank you in advanced for providing this information so we can improve our service.

Customer Answer
Date: 07/04/2025

Complaint: 23540468

I am rejecting this response because:

Sincerely,

******* *******
Initial Complaint
Date:06/27/2025
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for debt with ************* ****. I do not have a contract with National Credit Systems. They did not provide me with the original contract as requested
Customer Answer
Date: 06/28/2025
I am not liable for debt with ************* ****. I do not have a contract with National Credit Systems. They did not provide me with the original contract as requested
Business Response
Date: 07/03/2025
Your contract was with your previous landlord who placed your account in our office for collections.
I hope that the above response will provide your office with the information you are seeking. Please contact me with any additional questions.
Initial Complaint
Date:06/26/2025
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this debt with TIMBER CREEK APTS , I do not have a contract with NATIONAL CREDIT SYSTEMS **** They did not provide me with the original contract as I requested.
Customer Answer
Date: 06/26/2025
No it was me not a 3rd party
Business Response
Date: 07/03/2025
Your contract was with your previous landlord who placed your account in our office for collections.
I hope that the above response will provide your office with the information you are seeking. Please contact me with any additional questions.

Customer Answer
Date: 07/03/2025

Complaint: 23522171

I am rejecting this response because:

Sincerely,
I would like to see the original contract with my signature for this debt.
****** *****
Business Response
Date: 07/04/2025
The purpose of this posting is specifically, and only, related to the review you left on our company. While it is our obligation to collect on debts placed with our company by our clients, it is our strong desire to operate in an ethical and professional manor. Additionally, we do not wish to collect any amount that is not legitimately owed according to the agreement you may have signed or by law in your state. If you believe that this has not occurred, we encourage you to contact us at ************************************ Please provide specifics, such as account ID and other details, so we may access your account to review. Thank you in advanced for providing this information so we can improve our service.
Initial Complaint
Date:06/25/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Re: Immediate Demand for Permanent Deletion Account #******* I am submitting this formal complaint against National Credit Systems for their ongoing failure to validate an alleged debt, continued unlawful reporting to credit bureaus, and multiple violations of federal consumer protection laws, including the Debt Collection Rule and the Fair Credit Reporting Act (FCRA).I have reached out to this agency on multiple documented occasions, yet they have failed to provide the legally required validation of the alleged debt as outlined in:12 CFR 1006.34(b)(5) which mandates the provision of key validation details, including the original creditor, amount owed, and consumer rights. To date, I have received none.12 CFR 1006.34(c)(4)(i) which requires debt collectors to give the consumer an opportunity to dispute the debt before furnishing information to a consumer reporting agency. No such opportunity was given.12 CFR 1006.34(d) which prohibits furnishing any debt to a credit bureau without first providing all validation disclosures. This account is actively reported in violation of this regulation.15 U.S.C. 1681s-2(a)(7)(A) which prohibits reporting information to credit bureaus that has not been verified as accurate.These failures call into question the validity, accuracy, and legal enforceability of this debt. Moreover, by continuing to report the account while ignoring my validation requests, National Credit Systems is using false, deceptive, and misleading means to collect a debt in direct violation of 15 U.S.C. 1692e of the FDCPA.I must further state that I have not received any mailed communication or notice from this agency that satisfies federal disclosure standards. If they claim any such notices were sent, I demand tracking information or certified delivery proof. If this matter is not resolved immediately, I am prepared to escalate to ***, ********************************, as well as seek remedies through the appropriate legal channels
Customer Answer
Date: 06/25/2025
This complaint was submitted by me not by a third party. I am ****** ******** and i filed this complaint on behalf of my self. I drafted this letter/ complaint, i am not sure what would cause such mix up or confusion about a third party
Business Response
Date: 07/03/2025
The purpose of this posting is specifically, and only, related to the review you left on our company. While it is our obligation to collect on debts placed with our company by our clients, it is our strong desire to operate in an ethical and professional manor. Additionally, we do not wish to collect any amount that is not legitimately owed according to the agreement you may have signed or by law in your state. If you believe that this has not occurred, we encourage you to contact us at ************************************ Please provide specifics, such as account ID and other details, so we may access your account to review. Thank you in advanced for providing this information so we can improve our service.

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National Credit Systems, Inc. is NOT a BBB Accredited Business.