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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.
    • 677 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:09/14/2022

      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 inaccurate items reporting on my credit report by this company.This is unauthorized use of my credit report. I have reached out to this company to inform them to remove this from my account at once. I have no contract with National Credit Systems, *** they are in violation, misleading and false reporting.Dispute Case # (Experian)44100544

      Business Response

      Date: 09/15/2022

      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 ***** ************************** 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 investigated 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 8/23/22.

      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:09/12/2022

      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 complain is due to the negative marks made by your company on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but its not mine and theres no way that you can validate it. So let it be known that I am requesting full validation of this debt. I demand that you take action to this matter because it is causing me a lot of stress lately. Please remove this negative account in my credit report. The value of my credit worthiness is at stake.

      Business Response

      Date: 09/14/2022

      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.

      Customer Answer

      Date: 09/15/2022

       
      Complaint: 18017618

      I am rejecting this response because: I am rejecting this response because: After reviewing the information you sent me, I must inform you that you have failed to validate this debt. Your office hasnt sent any portion of what appears to be acceptable documentation so you have not yet provided sufficient evidence, per the ***** and as required, that this alleged debt is accurate and mine. 
      You DID NOT SEND the following information I needed: 
      1.Complete payment history, including but not limited to, verification by line item (with an explanation of each item) for the entire amount, dates of execution, as well as last date of activity. This requirement was established by *************************** ****-02-C-0072
      2.Proof of my identity
      3.Proof that NATIONAL CREDIT SYSTEM  owns this debt or the Contract giving you power to collect
      4.Proof that this debt has not been written off as a tax liability
      5.In addition, I've recently learned that you're required to send me notification of this debt and your plans to report it to the credit bureaus prior to doing so. YOU NEVER DID THAT! And if you think you did, then you must also send me proof that you did.

      As you can see, your company has clearly failed to send the legally required validation of this debt. So I would suggest you go ahead and remove this account from my credit file right away.

      I am demanding all of the following resolution in regards to my complaints Deletion from all consumer reports. 
      Remove all remarks or comments off my consumer report
      Cease and rescind use of my intellectual property, my signature



      Sincerely,

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

      Business Response

      Date: 09/15/2022

      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:09/12/2022

      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.
      In accordance with the Fair Credit Reporting act Convergent Account # ****, has violated my rights. 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 a account without my written instructions

      Business Response

      Date: 09/14/2022

      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.

    • Initial Complaint

      Date:09/12/2022

      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.
      Sept 4th 2022 $2,051 Due to law 15 U.S code **** (b) I did not give creditors consent to report to my consumer credit

      Business Response

      Date: 09/12/2022

      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. 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:09/10/2022

      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.
      Never been associated with this company. It was paid by a collector and I keep receiving calls. Fraudulent activity.

      Business Response

      Date: 09/12/2022

      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.

      Customer Answer

      Date: 09/12/2022

       
      Complaint: 18008233

      I am rejecting this response because by law, a consumer must receive written notice (known as a debt validation letter) within five days of the collector's initial attempt to contact you. I havent received anything from you guys. I didnt not approve of transferring my information to anyone! I asked which address was on file and it is not my address. This is a fraudulent account and I want it removed off my credit report. I spoke with you guys twice within the last two weeks. This is violating my rights. I will *** if this dont be removed off my credit report.

      Sincerely,

      Markiyah Fountain

      Business Response

      Date: 09/12/2022

      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.

      Customer Answer

      Date: 09/12/2022

       
      Complaint: 18008233

      I am rejecting this response because it need to be removed off my bank account 

      Sincerely,

      Markiyah Fountain

    • Initial Complaint

      Date:09/08/2022

      Type:Service or Repair 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.
      On 8/1/2022 I contacted National Credit Systems about an alleged debt that they placed on my consumer report after doing extensive research I found out that it was an apartment but I have undeniable proof from my residents place of record that I have been here for 2-3 years now so there must be a mistake/fraud somewhere within National Credit System *** I have asked for validation of this debt and have no heard from them but the collection is still on my report. I take my consumer report seriously so when i saw an alleged debt of ***** I immediately began doing my research I told the company if I did not hear back I will be filing a cfpb and BBB report to get this matter resolved. I am seeking remedy for the company to contact all 3 bureaus let them know there was a mistake and mail me there attempts to collect on a made up debt is no longer being pursued and removing my private information from there system I did not authorize for them to have such private information of mine. I need the copy of the mistake sent to me in the mail because I was denied credit for that very reason.

      Business Response

      Date: 09/09/2022

      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 please print the id theft packet we have attached to this response fill it out and mail it back to us with a copy of your id and police report for the fraud. NCS will investigate once received. 

      Customer Answer

      Date: 09/09/2022

       
      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and I am requesting validation of the debt to be sent to my address and everything I requested that is written in the letter that the company has now received. 

      Sincerely,

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

    • Initial Complaint

      Date:09/08/2022

      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.
      Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https://www.ftc.gov to file a report and Per FCRA section 605b Credit ****************** are required to remove/block any accounts listed on an id theft report.

      Business Response

      Date: 09/09/2022

      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 print and fill out the attached packet and mail this back to us with a copy of your id and police report NCS will then further investigate this claim.

    • Initial Complaint

      Date:09/07/2022

      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 company has placed a collections on my credit in the amount of $5265. When I was contacted regarding this I was told it was a law firm contacting me regarding a lease. The verbiage used led me to believe I was being sued and was only advised that it was for collections after about a minute into the call. They contacted family members as well posing as and attorneys office. I was not aware of any debt and when I asked for a breakdown of charges was told that I was being charged for time when someone else was leasing the home

      Business Response

      Date: 09/08/2022

      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. The **************************************************** is an extension of NCS and is an Attorney Office. In addition, I am enclosing the documentation NCS received from The ***************  Apartments supporting the charges that they accessed to ***************   

    • Initial Complaint

      Date:09/05/2022

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

      Business Response

      Date: 09/06/2022

      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 ******************************** 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:09/01/2022

      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 viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON: "CONTRACTS WERE CANCELLED" "NO CONTRACT EXIST" These accounts are still inaccurate and need to be corrected or deleted as soon as possible; Here are the things that I want to be verified as accurate: Alleged Creditor: NATIONAL CREDIT SYSTEM Alleged Original Creditor Account: FORTY TWO NORTH APTS and SSC TAMPA APARTMENTS LLC Debt Collectors Account Number: ****** and ****** Alleged Debt Amount or Balance: $138.00 and $8,303.00 **************************************** ************************************************ Cc: FEDERAL TRADE COMMISSION *****************************************************************************

      Business Response

      Date: 09/02/2022

      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 Cedar Ridge . This debt did not originate with our organization, nor do we have permission from 42 north Apartments to release Ms. ***** from liability for this debt.

      Ms. ***** 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 with a small adjustment needed.  The outcome of our investigation has been mailed to Ms.***** as of 8/18/22.

      In addition, I am enclosing the documentation NCS received from 42 North Apartments supporting the charges that they accessed to Ms.*****. ***************** 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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