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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

    • 2,984 total complaints in the last 3 years.
    • 667 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:10/29/2022

      Type:Customer Service 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 being charged with a debt that I do not owe and am unaware of. This company has this debt on my credit report, which has kept me from finding a place to live. I am homeless, and no one will rent to me because this company defrauded the government by obtaining a loan/***** in my name for more than $5,000. They are using the system to defraud tenants in various locations as if we were behind on rent during the pandemic because the government was giving landlords money for delinquent rent payments to assist tenants. How long will it take the BBB to investigate these companies that are engaging in fraud because they have access to people's personal information. THIS DEBT IS NOT MINE. Examine my credit report and note that I am debt-free, do not owe any landlords, and have never failed to pay my rent in any previous residence. Winter is approaching, and I am homeless because no landlord will rent to me because of this fraudulent debt on my credit report. DO SOMETHING FOR THE LOVE OF GOD!!!! It is a disgrace before God that people can get away with such behavior. I am not the only one who is having this issue with this company. Look at their website to see how they are getting away with murder in the form of money because they are literally killing the character and credit of innocent people for the LOVE OF MONEY!!! Thank you in advance, *************************

      Business Response

      Date: 10/31/2022

      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 ************. 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.

    • Initial Complaint

      Date:10/28/2022

      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 would like for these corrections to be made on my credit report

      Business Response

      Date: 10/31/2022

      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:10/27/2022

      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.
      Account # ******* i contacted the agency twice through email, with no response, & by phone where the associate wouldnt allow me to explain my situation. I have legal documentation/proof that the amount is not responsibly mine. I found another residence prior to the situation and asked the office manager to take me off the lease due to the report i made with the authorities. I found out about the account when i currently went to get another apartment.

      Business Response

      Date: 10/28/2022

      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. Additionally, I have attached the documents the property has submitted for this consumer. we do not wish to collect any amount that is not legitimately owed according to the agreement you *** 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, along with any documentation you *** have from the property that relieves your obligation. Thank you in advanced for providing this information so we can improve our service.

      Customer Answer

      Date: 10/28/2022

       
      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is unsatisfied, i have tried to explain my situation to the employee over the phone and tell her that i have talked with the manager from serenity apts. after reporting the problem with the police, that i would like to take my name off the lease because i have a new residence because my roommate wasnt cooperating with me, they told me they would get in contact with her and let her know to sign me off the lease and no one has ever contacted me back, and im just trying to get an aprtment ans they are telling me i cant because i have this on my background but i been left the apartment OCTOBER 2017 and have paid my rent to the managers since i have been staying there until October 2017. 

      Sincerely,

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

    • Initial Complaint

      Date:10/21/2022

      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 am not liable for this debt with National credit system and do not have a contract with national credit system They do not provide me with the original application. They keep sending me letters in the mail but its not my debt.

      Business Response

      Date: 10/24/2022

      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.  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.

    • Initial Complaint

      Date:10/20/2022

      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.
      This is a collection agency. I told them for I was not responsible for the amount owed. I finally paid it to get it removed from my credit report. I received a letter stating i was not responsible for payment. I called and asked for further explanation of the letter. They stated the other account holder made the payment and my name was removed because I was not responsible. I asked them to give me my money back and they said the account is closed and they cannot do much. I asked be to transfered to supervisor and it went to voicemail. They will not answer the phone nor call me back. Dates:Date letter was issued 10/29/2021 Date payment was taken from my account 11/3/2021 Unfortunately the letter went to my spam so i was not able to see this until now. I still have the letter. My bank told me its been too long to dispute and to be persistent with the company contact BBB and file a small claim to the court if no resolution. I want my money back. Please help.

      Business Response

      Date: 10/21/2022

      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 the complaint *** be warranted. We appreciate your comments, will discuss the matter with any employee involved and hope your matter is resolved to your liking. And we will investigate the payment the consumer made via our website.

    • Initial Complaint

      Date:10/18/2022

      Type:Product 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 do not appreciate recieving a 'collections call' and having to be dismissed over the circumstances due to a supposed outstanding balance. If you are going to contact me about an unethical and thieving business; please refer to my BBB complaints against them. The case numbers are "********" & "********". This company has indeed been paid in full and if anything they are the ones who owe after the utility bill is deducted (in which I still possess) for 6/1/2022-7/1/2022; according to the August bill received by mail 7/20/2022. This company also received a thirty-day notice stating when we will no longer be in the unit. The keys were handed to this company 7/31/2022 along with everything requested so to call and demand more money is absolutely absurd. We were not on the premises for the month of August and I dont know anyone who would be okay with paying for a month they were not able to utilize due to the company providing an unsafe environment. I also am receiving multiple supposed totals from not only Chesterfield Gardens but now from this collections company in particular.

      Business Response

      Date: 10/19/2022

      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. NCS is currently investigating this claim. We will forward the outcome to the consumer as soon as its completed. 

    • Initial Complaint

      Date:10/05/2022

      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 this debt with west chase and i do not have a contract with national credit systems plus they did not provide me with the original application like i asked

      Business Response

      Date: 10/06/2022

      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.  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.

    • Initial Complaint

      Date:10/04/2022

      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 was made aware of a collection account from an apartment complex that I didn't move into after finding mold in the bathroom ceiling and all the ** vents. I sent them a move-out notice immediately with no response. I left keys behind in apartment. I paid a prorated amount for end of February along with full Rent for March. I found out in mid June that this collections account existed. I had no communications with apartment complex after I sent them my 30-day move out notice.

      Business Response

      Date: 10/06/2022

      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.  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.

    • Initial Complaint

      Date:09/29/2022

      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 this debt with CITY STATION APTS and do not have a contract with NATIONAL CREDIT SYSTEMS They do not provide me with the original application like I asked.

      Business Response

      Date: 09/30/2022

      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.  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: 10/05/2022

      The Acct # account number ******* I am Not in anyway involve with this ACCOUNT and I never lived at City Station Apartment.

      Please remove this Account from my record !!!

       

       
      Complaint: 18147112

      I am rejecting this response because:

      Sincerely,

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

      Business Response

      Date: 10/06/2022

      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.  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.  I have also enclosed the list of charges, and also an id theft affidavit. Please print the affidavit out and fill it out and mail it back to NCS with a copy of your id, and police report for the id theft. ****************** will fully investigate this claim once the affidavit is received. 

      Customer Answer

      Date: 10/06/2022

       
      Complaint: 18147112

      I am rejecting this response because: I have sent this Documents to you Severally but its getting rejected, 

       

      last **** tracking number was 70210950000113355767. Please responds to my request and let me review if any part of the documents I sent you is not provided please delete this from my record immediately 

      If you could please provide me the detail requested. 

      Sincerely,

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

    • Initial Complaint

      Date:09/29/2022

      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.
      Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false account.NATLCRSYS Account Number: ***** Delete this unverified and misleading account.

      Business Response

      Date: 09/30/2022

      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. I have also included the validation of this debt, NCS does not send out applications because it does have sensitive information on it.

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

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