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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

    • 2,982 total complaints in the last 3 years.
    • 658 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:12/16/2022

      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 received a notice that I have a collection from NATIONAL CREDIT SYSTEMS on my credit report. It says it was opened on Sep 01, 2019 for $3,280 with account number starting in XXXX that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the **** and FDCPA.I would like for this collection to be removed asap or I will file a CFPB and FTC report.

      Business Response

      Date: 12/16/2022

      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. The last conversation our company had with ************** was on 1/6/2021 Where she was attempting to settle the account, consumer stated would talk to her mom and contact us back, no contact since that date. 

      In addition, I am enclosing the documentation NCS received from ******************* 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,

       

       

    • Initial Complaint

      Date:12/13/2022

      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.
      National Credit Systems contacted me about a debt.I dont have any contract or business with National Credit Systems National Credit Systems is reporting inaccurate information on my credit report and it should be removed immediately.

      Business Response

      Date: 12/13/2022

      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.  

      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:12/11/2022

      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.
      10/11/2022 ********************** was paid the outstanding debt of $1130. The collection agency National Credit Systems has been informed about this payment by myself ad the original creditor and are refusing to remove the account from my credit report because the agency was not paid directly.

      Business Response

      Date: 12/12/2022

      The purpose of this posting is specifically, and only, related to the review you left on our company.  Our policy and practice is to update information with all three national credit bureaus every week. For this account, this has been in our office since 03/10/2020, The consumer did not pay this off until 10/11/2022. Per law we are obligated to update the cbr as paid, we are not required to remove anything that was properly placed on the cbr. 

       

      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:12/10/2022

      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.
      Original Creditor was LAS Ventanas at *************, which is the apartment complex my family lived in.Originally moving in a stipulation of me signing the lease was that my house that was being prepared might be ready a few months before the lease ran out. The complex said that was perfectly fine as long as wrote a letter stating the reason for moving out early if the time came. 2 months before my lease was to expire, my house was ready and COVID had already started, so my family felt that it was important to move so we were not exposed to large amounts of people. I wrote the letter and we moved and I never heard anything. Recently I applied for a business loan and the underwriter informed me there was a collection on my report which is from the apartment complex for the last 2 months rent. The complex never informed me of this, there was never a judgement against me or any letter sent to me. They just sold the debt to National Credit Systems, which currently holds the debt. I disputed this debt with National Credit Systems and they refuse to send a verification of debt or help in the matter. I figured especially during Covid this wasnt the proper way for this to be handled and now my business is suffering because this debt needs to be resolved. Any help would be great.National Credit Systems ****************************************** Debt trying to collect $6321 This debt was not collected properly from the start, I was never notified they had an issue with my letter that was suppose to allow my family to move out early, and there were no legal actions, judgements, or letters sent to me about this collection.

      Business Response

      Date: 12/12/2022

      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.  

      In addition, I am enclosing the documentation NCS received from LAS Ventanas at ************* 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,

       

    • Initial Complaint

      Date:12/08/2022

      Type:Sales and Advertising 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.
      This is false information and I would like it to be removed Expeditiously

      Business Response

      Date: 12/08/2022

      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.

      I am enclosing the documentation NCS received from The New Colonies 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,

    • Initial Complaint

      Date:12/05/2022

      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.
      National Credit System, *** was mailed certified at the post office.Not to contact me until they verified the debt they say l owe.They contacted me again by mail not verifying anything.lnstead threatening to put this so debt on credit report.They shouldn't be able to put anything on my credit report until they verified the debt.At this point they are harassing me ,because they haven't giving any proof of debt.Client account #*****

      Business Response

      Date: 12/06/2022

      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 SAF SN ************** A LLC ********* Apartments.This debt did not originate with our organization, nor do we have permission from SAF SN ************** A LLC ********* Apartments 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 Ms. ***** dispute and our client confirmed that the charges accessed to her were accurate.  The outcome of our investigation has been mailed to ************ as of 11/30/2022.

      In addition, I am enclosing the documentation NCS received from SAF SN ************** A LLC ********* 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,

    • Initial Complaint

      Date:12/02/2022

      Type:Sales and Advertising 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.
      According to 15 usc **** -this law states no financial institute shall not sell a consumer personal information to a third party creditor or affiliate. Which means these collection agencies purchase my personal information under false pretense . This is a violation of my right of privacy 15 usc 16 usc **** (a) (4). I did not give anyone written instruction or consent to post any collections on my consumer report, 15 usc ****b. I am requesting for all unauthorized accounts to be removed from the consumer report.

      Business Response

      Date: 12/06/2022

      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 her debt and NCS, as required by law, has submitted her dispute to the CRAs. We have conducted an investigation of Ms. ********** dispute and our client confirmed that the charges accessed to her were accurate.  The outcome of our investigation has been mailed to ********************** as of 05/31/2022.

      In addition, I am enclosing the documentation NCS received from ************ 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,

    • Initial Complaint

      Date:12/01/2022

      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.
      The company is reporting a debt on my credit report that was already resolved and was already listed on my credit report "paid" and in good standing. I had no knowledge of this debt or company and i have asked them to validate the debt multiple times (october 2022 and november 2022). They have never ever sent me any sort of validation and the account is now on my credit report twice.

      Business Response

      Date: 12/02/2022

      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 Enclave at the Cumberland Lofts Apartments. This debt did not originate with our organization, nor do we have permission from Cumberland Lofts Apartments 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 are currently conducting an investigation of ******************** dispute and once we receive a response.  The outcome of our investigation will be mailed 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:12/01/2022

      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 believe this account is reporting inaccurately. I do not recall having an account with this company. I don't think there is legal contract between this ***************** I would like you to provide me verifiable proof this account belongs to me. I request a signed contract which will demonstrate a legal agreement. Please delete.

      Business Response

      Date: 12/02/2022

      The purpose of this posting is specifically, and only, related to the review you left on our company. Unfortunately, federal law limits our ability to respond to your claim or communicate with you on this forum.  NCS goes to great lengths to operate in a lawful, ethical, and professional manor.  If you believe that this has not occurred, we encourage you to contact us at ******************************** Please provide specifics, such as your name, account ID, and other details, so we may access your information to review. Thank you in advanced for providing this information, so we may investigate the accuracy of your claim.

    • Initial Complaint

      Date:11/23/2022

      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 reached out to NATIONAL CREDIT SYSTEMS. They have failed to provide proof of validation regarding a debt that does not belong to me. They have furnished this alleged debt on my consumer report and have failed to validate the alleged claim pursuant to Sec. 809(b)of the Fair Debt Collection Practices Act and according 609(a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand this item be removed from my credit report immediately. NATIONAL CREDIT SYSTEMS you are furnishing inaccurate and incorrect information to the consumer reporting agencies.The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.You and your inaccurate reporting have damaged my livelihood.15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies (a)Duty of furnishers of information to provide accurate information 1) Prohibition (A)Reporting information with actual knowledge of errors 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.Duty: a moral or legal obligation; a responsibility Accurate: correct in all details; exact.Prohibition: a law or regulation forbidding something As Defined by The *** Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.The *** Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!Account Number: *******

      Business Response

      Date: 11/23/2022

      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.  The outcome of our investigation has been mailed to ***************** on 10/28/2022.

      In addition, I am enclosing the documentation NCS received from *************** Apartments supporting the charges that they accessed to ***************** Also, I am including an id theft packet. Looking like we received partial information from the consumer to property investigate the claim of fraud. Please mail back the fraud packet with a copy of the police report for the id theft.

      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.

    To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

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