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Business Profile

Collections Agencies

National Credit Systems, Inc.

Headquarters

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

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

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National Credit Systems, Inc. has 4 locations, listed below.

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    Customer Complaints Summary

    • 2,986 total complaints in the last 3 years.
    • 645 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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:05/12/2023

      Type:Billing Issues
      Status:
      Answered
      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.
       
      Complaint: 20053166

      I am rejecting this response. You and your employee manipulated me into believing something that wasn't true and you better have money for lawyer fees.

      Sincerely,

      *********************** or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 15. U.S.C. **** Section 806 A Section 5. Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 15. U.S.C. **** section 602 A. States I have the right to privacy. 15. U.S.C. **** section 604 A. (section 2): It also states a consumer reporting agency cannot furnish an account without my written instructions.15. U.S.C. ****s-2. Responsibilities of the furnisher of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.NATLCRSYS 49380**Please help to remove this account from my ********************** report.

      Business Response

      Date: 05/15/2023

      NCS has investigated this consumers complaint.  During this process, we review our system notes along with call recordings that *** have been associated with this issue. Additionally, if necessary, we will discuss the matter with any employee who *** have communicated with the consumer. In this instance, we performed our investigation and believe our company acted appropriately.  It appears that the consumer has mischaracterized this issue and the complaint is unwarranted.

      Business Response

      Date: 05/16/2023

      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 Orleans Apartments. This debt did not originate with our organization, nor do we have permission from *********** Apartments to release **************** from liability for this debt.

      **************** has disputed his debt and NCS, as required by law, has submitted his dispute to the CRAs. We are currently conducting another investigation of **************** dispute and once we receive a response, we will forward the response to the consumer. 

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



      Thank you,

       

    • Initial Complaint

      Date:05/10/2023

      Type:Billing Issues
      Status:
      Resolved
      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.
       
      Complaint: 20040787

      I am rejecting this response because: I was never evicted from the residence. The Base Rent was not $2712.90 as alleged. The copy of the lease forwarded by NCS declares that there was $0 deposit, yet on the alleged Final bill, it alleged there was a deposit of $1450.00 on ledger.  I was never served by any court with an Order for Notice of Eviction. NCS Has NOT provided any Court Order Eviction documentation. ALLEGED EVICTION 07/27/2016. (FRAUD) I WAS LIVING IN ******** 07/2016. 

      Sincerely,

      *****************************

      Business Response

      Date: 05/11/2023

      NCS has investigated this consumers complaint.  During this process, we review our system notes along with call recordings that *** have been associated with this issue. Additionally, if necessary, we will discuss the matter with any employee who *** have communicated with the consumer. In this instance, we performed our investigation and believe our company acted appropriately.  It appears that the consumer has mischaracterized this issue and the complaint is unwarranted.

       

      In addition, I am enclosing the documentation NCS received from Bourbon Square Apartments supporting the charges that they accessed to ******************

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



      Thank you,

      Business Response

      Date: 05/12/2023

      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 ** at ************************************** 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: 05/12/2023

       
      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:05/08/2023

      Type:Billing Issues
      Status:
      Answered
      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.
      There is advice on my consumer report thats is identity theft. I did not provide written authorization or instruction for these transactions to be reported on my consumer report. Im requesting that this info is blocked and ERASE immediately. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not handled accordingly. I have not been able to investment my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit recvord. I attached a letter along with ftc report.

      Business Response

      Date: 05/08/2023

      NCS has investigated this consumers complaint.  During this process, we review our system notes along with call recordings that *** have been associated with this issue. Additionally, if necessary, we will discuss the matter with any employee who *** have communicated with the consumer. In this instance, we performed our investigation and believe our company acted appropriately.  It appears that the consumer has mischaracterized this issue and the complaint is unwarranted.

    • Initial Complaint

      Date:05/05/2023

      Type:Billing Issues
      Status:
      Answered
      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 have sent multiple written notifications to National Credit System requesting documentation of any contractual relationship between ******* ************************* This was not a request for verification or validation. This was a request for proof of contract to substantiate your claim to Experian, ********************* that I owe National Credit System, $1,982. I requested any agreement with any "client" that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ***** SEC. *****. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES; and SEC. ****************** SECURITY. Any automated response such as Core ************ Nexis or e-****** "verification" is unacceptable. Certification of a contract bearing my signature can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. This fraudulent account is negatively affecting my credit reporting. If this account is not removed immediately, legal action will follow.

      Business Response

      Date: 05/08/2023

      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 *******************************. This debt did not originate with our organization, nor do we have permission from ************************* to release ************** from liability for this debt.

      ************** has disputed her debt and NCS, as required by law,has submitted her dispute to the CRAs. We have conducted an investigation of ************** dispute and our client confirmed that the charges accessed to her were accurate.  The outcome of our investigation has been mailed to ***************

      In addition, I am enclosing the documentation NCS received from ************************* supporting the charges that they accessed to ****************

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


      Thank you,

    • Initial Complaint

      Date:05/04/2023

      Type:Service or Repair Issues
      Status:
      Answered
      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.
       
      Complaint: 20019982

      I am rejecting this response because this is the same generic answer that is left on every complaint filed against them.

      Sincerely,

      ***********************

      Business Response

      Date: 05/05/2023

      NCS has investigated this consumers complaint.  During this process, we review our system notes along with call recordings that *** have been associated with this issue. Additionally, if necessary, we will discuss the matter with any employee who *** have communicated with the consumer. In this instance, we performed our investigation and believe our company acted appropriately.  It appears that the consumer has mischaracterized this issue and the complaint is unwarranted.

      Business Response

      Date: 05/08/2023

      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 ************************************** 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: 05/08/2023

       
      Complaint: 20019982

      I am rejecting this response because once again it is a cookie cutter response they leave on everything. You have violated the **** multiple times and are accepting no responsibility. 

      Sincerely,

      ***********************

    • Initial Complaint

      Date:05/03/2023

      Type:Order Issues
      Status:
      Answered
      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 NATLCRSYS . I do not have a contract with NATLCRSYS.You guys need to handle this issue. This has been going on for a long time now that I have seen my information. That's messing my Character & name up as a person.They are in violation & told me 30 days when I had fraud. A identity theft with police report I had attatched as well, they are in major violation.

      Business Response

      Date: 05/04/2023

      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 ************************ Apartments. This debt did not originate with our organization, nor do we have permission from ************************ Apartments to release ************** from liability for this debt.

      ************** has disputed his debt and NCS, as required by law, has submitted his dispute to the CRAs. We have conducted an investigation of ************** dispute and our client confirmed that the charges accessed to him were accurate.  

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



      Thank you,

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

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